---
title: When our customer is an individual, who do we need to KYC?
description: When our customer is an individual, who do we need to KYC - For an individual customer (someone buying a property, settling an estate, or engaging you in their.
---

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# When our customer is an individual, who do we need to KYC?

## The customer, anyone acting on their behalf (with authority evidence).

For an individual customer (someone buying a property, settling an estate, or engaging you in their personal capacity), there is no separate entity to verify - you're identifying one or more natural persons connected to the matter.

**Individuals to identify (KYC)**

- The customer themselves.
- Anyone acting on the customer's behalf (an agent, attorney-in-fact, or family member with authority), plus evidence of their authority to act.
- PEP and sanctions screening on everyone identified above.

See AUSTRAC's [Initial CDD for individuals](https://www.austrac.gov.au/amlctf-reform/reforms-guidance/amlctf-program-reform/customer-due-diligence-reform/initial-customer-due-diligence-reform/initial-customer-due-diligence-guides-customer-type-reform/initial-cdd-individuals-reform) page.

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