11Croco Casino AML Policy

The anti money laundering programme at 11Croco is built around the standard four pillar model that the licensing regulator requires of every operator. Know your customer checks confirm that the account holder is who they say they are, with identity and address documents reviewed against the registered details before significant withdrawals are released. Source of funds checks apply to larger transactions, with documentation requested to confirm that the funds being used are from a legitimate source. Transaction monitoring runs automatically across every deposit and withdrawal, flagging unusual patterns for human review. Suspicious activity reporting is the final layer, with confirmed suspicious activity reported to the licensing regulator in line with the law.

The know your customer process is the same for every account, and is designed to be quick. The standard pack is a government issued photo ID, a recent proof of address dated within the last three months, and a proof of the payment method used to deposit. Documents are uploaded through a secure link sent to your registered email, and the verification team reviews them inside a working day in normal conditions. Once your account is verified, the verification result is permanent and applies to all future withdrawals. Additional documents may be requested only if the registered details change or the transaction profile crosses the thresholds that trigger enhanced due diligence.

What enhanced due diligence looks like

Enhanced due diligence applies when the transaction profile crosses thresholds defined by the AML programme. The most common trigger is a series of larger deposits or a large withdrawal request. In these cases, the team may request source of funds documentation, typically bank statements covering the last three months, payslips, a tax return or evidence of the sale of an asset. The request is sent through the registered email with a secure upload link. The documents are reviewed inside a working day in normal conditions, and the transaction continues to process once the review is complete. Source of funds checks are a routine part of running a regulated casino and are not a sign that anything is wrong with your account.

Politically exposed persons, sanctions screening and sources of funds

Every new account is screened against the international sanctions lists and the politically exposed person databases as part of the standard onboarding flow. The screening is automated and runs in seconds in the background, with no impact on the registration experience for the overwhelming majority of accounts. If a screening match is generated, the account is held for manual review by the compliance team and you may be asked for additional context before the account is opened. The screening is repeated periodically through the lifetime of the account, in line with the regulatory expectation that customer due diligence is an ongoing process rather than a one off check at sign up.

Source of funds reviews are triggered by transaction patterns rather than the size of any single deposit or withdrawal. The most common trigger is a cumulative deposit volume over a defined window, or a large withdrawal that does not match the account's historical playing pattern. Acceptable documentation includes bank statements covering the last three months, payslips, tax returns, evidence of the sale of an asset such as a property or vehicle, or an inheritance settlement. Documents are uploaded through the secure link in the request email and reviewed inside a working day in normal conditions. The Privacy Policy covers how the documents are stored and the retention period that applies after the review is complete.

Anti money laundering compliance is a shared responsibility across the licensing framework and the operator works closely with the Tobique Gaming Commission on the full programme. Suspicious activity reports are filed where required by law, training for every customer facing team member is refreshed at least annually, and the policy itself is reviewed and updated to reflect changes in regulation and the wider risk landscape. None of this is visible from the front end on a normal session, but it is the quiet work that keeps the licence in good standing and protects every player on the platform from the wider risk of financial crime.