AML Policy

Last updated: 16 September 2026

This Anti-Money Laundering and Counter-Terrorist Financing Policy summarises the risk-based controls Cetera Advisors LLC may use to help prevent its services from being used for money laundering, terrorist financing, sanctions evasion, fraud or other financial crime.

1. Risk-based approach

We assess financial-crime risk by considering factors such as customer type, ownership, geography, products, delivery channels, payment methods and expected activity. Controls may be adjusted as risks or legal requirements change.

2. Customer due diligence

Before providing services and during a relationship, we may request reliable information and documents to identify and verify customers. For legal entities, this may include constitutional documents, authorised representatives, ownership and control information and the identity of beneficial owners.

3. Purpose and source of funds

We may ask about the purpose and intended nature of an account, expected trading or payment activity, occupation or business, source of funds and, where appropriate, source of wealth. Supporting evidence may be required.

4. Screening and enhanced checks

Customers and related parties may be screened against applicable sanctions, politically exposed person and adverse-information sources. Higher-risk relationships may require additional information, approval or enhanced ongoing monitoring.

5. Ongoing monitoring

We may review account activity and transactions for consistency with known information, expected activity and risk profile. We may refresh customer information and ask for explanations or documents when activity is unusual, complex or inconsistent.

6. Payment controls

Where permitted, payments may be accepted only through methods held in the customer’s name. Third-party payments, cash-equivalent instruments or transfers involving restricted parties or locations may be rejected, delayed or returned.

7. When verification cannot be completed

If required information is not provided or checks cannot be completed, we may decline an application, restrict transactions, suspend access or end the relationship. We may take other steps required or permitted by applicable law.

8. Reporting and confidentiality

Where a legal reporting duty applies, information may be provided to a financial intelligence unit, regulator, law-enforcement agency or other competent authority. We may be prohibited from informing a customer that a report or investigation exists.

9. Records, governance and training

Identification, due-diligence, transaction and investigation records may be retained for the period required by applicable law. Relevant personnel receive guidance and training, and controls are reviewed periodically.

10. Customer responsibilities and contact

Customers must provide accurate information, respond promptly to reasonable requests and avoid using an account for another person unless expressly authorised and verified. Questions may be sent to [email protected].