3 Big Risk Areas That Can Dent Our Compliance
 EMI & CASH 
• Keeping client's EMI 
money instead of 
depositing
• Delaying EMI deposit for 
personal use
• Posting EMI in wrong 
client account
• Example: If you collect 
₹1500 EMI today, it 
MUST go to bank TODAY,
NOT tomorrow or to your 
pocket
 FAKE DOCUMENTS & 
FALSE RECORDS
• Creating false house visit 
photos that never 
happened
• Changing client's 
age/details in KYC to 
bypass rules
• Approving loans for 
rented/borrowed 
identities (fake clients)
• Example: You cannot 
write "Age 59" when 
client is actually 62, even 
if they request
 BAD BEHAVIOUR OF 
STAFF 
• Taking bribes or gifts 
from clients to approve 
loans
• Using family members as 
fake borrowers
• Drinking alcohol at office
• Doing personal business 
while on duty. Example: A branch staff 
accepts gifts from a 
client in exchange for 
approving a loan.