eba.europa.eu/sites/default/files/documents/10180/1240374/c1d03800-2a50-4fbe-bf69-f0018c6e6157/JC%202015%20061%20%28Joint%20Draft%20Guidelines%20on%20AML_CFT%20RFWG%20Art%2017%20and%2018%29.pdf
JC/2015/061