# Customer Due Diligence (CDD) Record — Jewellery Retail
**GJPA free template · v0.9 (demonstration)** — for cash transactions ≥ S$20,000 and any transaction flagged by your firm's IPPC. Retain minimum **5 years**. Align with the PSPM Act, the 2026 Code of Practice and your own IPPC before use. Not legal advice.

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**Ref no:** CDD-[YYYY]-[####] · **Outlet:** [ ] · **Date/time:** [ ] · **Served by:** [ ]

## 1. Transaction
Item(s)/description: [ ] · Value: S$ [ ] · Payment mode: [cash / card / transfer / mixed]
Cash component: S$ [ ] · Linked transactions (same customer, 24h–30d)? [Y/N — detail]

## 2. Customer identification
Name: [ ] · ID type & no.: [NRIC/FIN/Passport] · Nationality/PR: [ ]
ID verified by: [staff name] · Method: [original document sighted]
Address & contact: [ ] · Occupation/employer (for higher-risk): [ ]

## 3. Purpose & nature
Purpose stated by customer: [gift / personal use / investment / resale / other]
Who is the item for? [ ] · Any third party directing the purchase? [Y/N — detail]
Red flags observed (tick): ☐ bulk/split cash ☐ rushed & indifferent ☐ inconsistent with means ☐ ID reluctance ☐ remote direction ☐ value-storage questions ☐ none

## 4. Screening
Screened against [lists] on [date] by [ ] · Result: [clear / hit — escalation attached]

## 5. Decision
Proceed: [Y/N] · EDD applied: [ ] · STR considered: [Y/N — filed ref / not required, rationale]
Escalated to compliance officer: [name, date]

## 6. Sign-off
Staff signature: [ ] · Compliance officer review (if escalated): [ ]