Four query types.
Real questions, real outputs.

> Summarise BRA review frequency under the Isle of Man AML/CFT Code 2019 in 3 paragraphs. Reference the Code by name only; do not cite specific paragraphs or section numbers.

> When does enhanced due diligence (EDD) become mandatory under the Isle of Man AML/CFT Code? Answer in 3 paragraphs maximum.

> Under the Isle of Man AML/CFT regime, how long must a relevant person retain CDD records and transaction records after a business relationship ends? State the retention period and reference the relevant Act by name. Answer in 3 paragraphs.

> What is the difference between source of funds and source of wealth, and when is each required for an Isle of Man TCSP client?

> What does the Isle of Man AML/CFT Code require for ongoing monitoring of an established business relationship? Answer in 3 paragraphs maximum, no notes or referrals.

> Who counts as a beneficial owner of an Isle of Man company under the Beneficial Ownership Act 2017? What is the threshold?

> What is the statutory definition of 'tipping off' under the Proceeds of Crime Act 2008? Quote the offence provision.

> What does the AML/CFT Code 2019 require for MLRO independence and reporting line to senior management?

> What are the trustee disclosure obligations under the Beneficial Ownership Act 2017?

> What should an MLRO document when deciding not to file an external SAR after receiving an internal disclosure?

> Generate a checklist for onboarding a higher-risk customer under Enhanced Due Diligence (Code paragraph 15).

> Generate a checklist for the MLRO's process when receiving, evaluating, and filing an internal disclosure (SAR) under the Proceeds of Crime Act 2008.

> Generate a checklist for risk-rating a new TCSP client at onboarding under the Isle of Man AML/CFT Code.

> Generate a checklist for the procedure when a sanctions screening match is returned, from initial alert through to filed report. Cite the Proceeds of Crime Act 2008 sections 142 and 143 directly as Tier 1 statutory basis where relevant. Each action must have a statutory basis from corpus — do not include actions where the basis is 'no specific IoM statute'.

> Generate a numbered procedural action checklist for the documents and records that must be retained for a 5-year periodic review of a high-risk trust client under the Isle of Man AML/CFT regime. Format as numbered procedural actions (Identify, Document, Verify, Retain, etc.) — NOT a document table. Each action must include statutory basis from corpus or be omitted.

> We have a long-standing client whose risk rating has just changed to high. Advise the MLRO on the firm's immediate obligations, the timeline to act, and the documentation that must be produced.

> A bare-trust nominee shareholder arrangement has come up at onboarding for a new Isle of Man company. Advise the MLRO on the BO disclosure obligations, who must disclose what to whom, and how the chain should be evidenced on file.

> A trust client has become higher risk after new information came to light. Advise the MLRO on what the file should show — the trigger event documentation, the re-rating record, the EDD steps applied, and the ongoing monitoring uplift.