Which of the following would you recommend as the best tool that a financial institution should use to conduct CDD on non-face to face customers i.e., customers who are not physically present when engaging in a transaction?

a. Request the customer to upload a copy of his drivers license.

b. Request the customer to provide 2-factor verification, which includes a real-time photo to be taken and uploaded at the time of the transaction and input his taxpayer identification or social security number.

c. Request the customer to provide an electronic signature.

d. Request the customer to state his name, date of birth and address.

e. Request the customer to ask his friend to verify his identify.