Sampling know-your-customer packs before an inspection week

When an inspection window appears on the calendar, teams often pull the thickest folders first. Those packs feel important, yet they are not always the ones examiners will request. A calmer approach starts with your own risk tiers.

Weight the sample, do not chase volume

If enhanced-due-diligence applications are five percent of your book, they should still appear more often in a pre-inspection sample than a pure random draw would allow. Everyday salary accounts deserve a place too — thin retail files reveal whether your imaging and checklist habits hold when nobody is watching a high-risk occupation.

Fix the period before you open boxes

Agree the months under review with compliance and operations. Mixed periods create false comfort: a pristine 2025 pack does not excuse a hollow 2024 onboarding that still sits in the same customer relationship.

Record why each pack entered the sample

Auditors — internal or external — should be able to explain selection without improvising. A short sampling note listing risk tier, product, and branch saves argument later when someone asks why a particular know-your-customer application was tested.

Leave time for retrieval reality

Paper archives in older Bangkok branches move slower than imaging queues. Build buffer days so the sample you promised is the sample you can actually place on the table.