KYC and AML risk-based screening required; transactions with high-risk jurisdictions demand enhanced scrutiny and documented findings. KYC, AML and CFT obligations under the Money Transfer Service Scheme require Authorised Persons (Indian Agents) to adopt a risk-based approach to cross-border inward remittances, using FATF Statements and publicly available information to identify jurisdictions that do not or insufficiently apply FATF recommendations, apply enhanced due diligence and ongoing monitoring, examine and document transactions with no apparent economic or lawful purpose, retain findings and records, and ensure Sub-agents comply; directions are issued under FEMA and PMLA and non-compliance may attract penal provisions.