ethos Risk Values was conceived to address two specific "know your customer" issues: a) it is unacceptable to assess the risk posed to any financial institution by any customer based on racial or religious grounds or on any thing which may be an identifier of such: for example, name, place of origin or residential district; and b) risk assessment at the time of opening, or in the early months or years of, an account must be independent of transaction history - because there is either none or what there is is insufficient .

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