Businessesmust not engage with entities in sanctioned jurisdictionswithout proper licensing.

Option D (Correct):Providing services to sanctioned areasexposes an organization toOFAC or EU penalties.

Option A (Incorrect):Personal historydoes not necessarily indicateAML risk.

Option B (Incorrect):Lack of individual ownership above 10%does not inherently indicate risk.

Option C (Incorrect):Private ownership alonedoes not pose an AML concern.