WHY DOW JONES RISK & COMPLIANCE?

Companies are in business to conduct business effectively and efficiently. They dont want the financial, regulatory
and reputational exposure from dealing with those who represent undue risk to the firm and its bottom line. On the
other hand, firms dont want to waste their financial and personnel resources chasing down low-quality leads and
petty offenses whose potential impact is not worth the effort.
Dow Jones gets that loudly and clearly. In the proud tradition of excellence exemplified by our flagship publications,
we provide accurate, complete, up-to-date content. Our reliability means that companies can make better decisions
with less investment of their time and resources.

QUALITY ITS IMPACT ON BUSINESS

The quality of Dow Jones Risk & Compliance data makes a significant difference in corporate performance in several
specific ways:
SPEED:

Our premium Sanctions service is refreshed every 8 hours. This reduces the window in
which businesses are exposed to the regulatory risk and scrutiny from newly designated
sanctions targets.

COMPLETENESS:

Our researchers enrich our listings with additional detail such as dates and places of birth,
personal and corporate identifiers, and names in the original language, among others.
This enables decisions to be made more quickly, without the need for additional research,
and with greater confidence.

EFFICIENCY:

We merge into a single listing all the data for a given person or entitywhether such data
is related to their status as a PEP, a sanctions target, their appearance in the media related
to significant crimes or their association with a state-owned company. This consolidation
reduces the time required to review a matched person or entity by up to 40%.

RELEVANCE:

Our researchers operate within strict guidelines for what is relevant to business, rather
than competing to have the largest database of names and news stories. Being able
to exclude low-level government officials from a PEP database when not required by
local regulations, unsubstantiated rumors or allegations, or criminal behavior with a
low monetary value from adverse media listings allows Dow Jones to tailor risk and
compliance data to the specific needs of each corner of the globe.

BENEFITS BY THE NUMBERS

Dow Jones Risk & Compliance supports your business with:
COMPREHENSIVE COVERAGE:

500,000+
news stories reviewed daily from
over 32,000 different news
sources scanned for relevant
content

GLOBAL COVERAGE:
News sources from

200

countries

DIVERSITY OF COVERAGE:
Researchers find relevant
information in

60

languages

FASTER COVERAGE:
Sanctions data refreshed every

hours

NAMES IN NON-LATIN SCRIPTS:

395,000+
names in original scripts like
Chinese, Cyrillic and Arabic

EXPANDED COVERAGE:

200,000+
State-owned companies

LEARN MORE
For more information, contact your Dow Jones account manager or visit dowjones.com/risk

2015 Dow Jones & Company., Inc. All rights reserved.

ANTI-MONEY LAUNDERING
Combating money laundering can be very frustrating. Firms must comb through haystacks of customer transactions
to find patterns of suspicious needles. Even for modest-sized firms, the computing power to find these patterns and
the staff resources to review the potential trouble spots can be somewhere between daunting and impossible.
The main challenges facing anti-money laundering (AML) professionals are relatively few, but sizable:

Identifying customers in positions of power, their relatives and close associates

Identifying customers in positions of power, influence or ownership of state-owned companies
Identifying customers who have been involved in significant illegal, unethical or immoral behavior in the past,
as an indicator of possible future involvement in money laundering

The real trick is to do the above efficiently, as part of a risk-based AML program. While every offender has a first
time, identifying the types of people listed above, those who need Compliances vigilance the most, significantly
simplifies the overall task.
Dow Jones Risk & Compliance focuses on identifying those persons who fit the profile that AML practitioners
want to keep track of. In our proud tradition of excellence, exemplified by our flagship publications, we provide
accurate, complete, up-to-date content, even as changes in AML regulation, such as the 4 EU Money Laundering
Directive, alter the focus and scope of AML compliance requirements. Our reliability means that companies can be
more effective in their AML review and decision-making processes, with more efficient investment of their time and
resources. Additionally, firms can rely on our commitment to providing solutions that adapt to evolving local and
international regulatory standards.

DOW JONES RISK & COMPLIANCE QUALITY ITS IMPACT ON AML

The quality of Dow Jones Risk & Compliance data makes a significant difference in anti-money laundering
compliance in several specific ways:
COMPLETENESS:

Our researchers enrich our listings with additional detail, such as dates and places of birth,
personal and corporate identifiers, and names in the original language, among others. This
enables decisions to be made more quickly, without the need for additional research, and
with a higher degree of confidence.

EFFICIENCY:

Dow Jones Risk & Compliance merges all the data for a given person or entitywhether it
is related to someones status as a PEP, a person associated with a state-owned company,
or someone who has appeared in the media related to significant crimesinto a single
listing. This consolidation reduces the time required to perform review of a matched
person or entity by up to 40%.

RELEVANCE:

Our researchers operate within strict guidelines for what is relevant to business, rather
than competing to have the largest database of names and news stories. By excluding
low-level government officials from a PEP database when not required by local regulations,
unsubstantiated rumors or allegations, or criminal behavior with a low monetary value from
adverse media listings, Dow Jones can offer risk and compliance data that is tailored to
the specific needs of each corner of the globe.

BENEFITS BY THE NUMBERS

Dow Jones Risk & Compliance supports your business with:

Comprehensive coverage: Over 500,000 news stories reviewed daily from over 32,000 different news
sources scanned for relevant content
Global coverage: News sources from 200 countries
Diverse coverage: Researchers find relevant information in 60 languages
Faster coverage: Sanctions data refreshed every 8 hours
Names in non-Latin scripts: Over 395,000 names in original scripts, like Chinese, Cyrillic and Arabic

LEARN MORE
For more information, contact your Dow Jones account manager or visit dowjones.com/risk

2015 Dow Jones & Company., Inc. All rights reserved.

THIRD PARTY RISK

A perennial effort for firms all across the globe is determining how much risk a relationship with a third party may
pose whether with a customer, vendor, employee or other counterparty. Third parties potentially need to clear two
hurdles:

Does the third party have significant connections to governments or state-owned companies?
Have the persons or firms had any involvement in fraud or other undesirable activity (illicit or not)?

Fighting corruption by public officials, which can trace its regulatory pedigree to the U.S.s Foreign Corrupt Practices
Act of 1977, has gathered fresh momentum, as laws have passed or been introduced in every region of the world,
including the U.K., Brazil, Ukraine, Thailand and India. The accumulation of regulatory fines, including $1.2 billion
levied by the United States Securities and Exchange Commission (SEC) since 2010, and the first prosecutions of
individuals under the U.K.s Bribery Act 2010, has elevated the visibility and urgency of implementing effective antibribery and corruption (ABC) solutions.
Risk managers require information that helps identify third parties whose involvement in, or potential to be involved
in, illegal or unsavory activities might tarnish their firms balance sheet or reputation. However, finding those news
stories and public records can be very resource-intensive in terms of money, time and personnel.

The risk management challenge is simple:

Assess the risks of the proposed relationship:

Identify persons with the potential to be involved in public corruption, from their positions in
governments or state-owned companies, or their relationships with persons who are
Identify firms with government ownership stakes, management involvement or control of the Board
of Directors
Identify persons with records of activities with which the firm does not wish to be associated

Investigate the public-source information about the identified high-risk people and companies

Monitor the high-risk relationships with which the firm has chosen to conduct business

Do it efficiently

DOW JONES RISK & COMPLIANCE QUALITY ITS IMPACT ON THIRD PARTY RISK
The quality of Dow Jones Risk & Compliance products and services makes a significant difference in third-party risk
management in several specific ways:
COMPLETENESS:

Our researchers enrich our listings with additional detail, such as dates and places of
birth, personal and corporate identifiers, and names in the original language, among
others. Their research identifies firms and their subsidiaries whose significant amount of
government ownership makes them potential targets of bribery, influence peddling or
other corruption. Within these State Owned Companies, furthermore, our staff identifies
members of management and ultimate beneficial owners, and further flags those who
might warrant greater scrutiny, due to their government affiliations or prior unethical
behavior. This enables decisions to be made more quickly, without the need for additional
research, and with a higher degree of confidence.

EFFICIENCY:

Dow Jones Risk & Compliance merges all the data for a given person or entity into a single
listingwhether that data is related to someones status as a PEP, a person associated
with a state-owned company, or someone who has appeared in the media related to
significant crimes. This consolidation reduces the amount of time required to perform
review of a matched person or entity by up to 40%.
In addition, our Due Diligence Reports service consolidates all the information about
a potential third-party relationship, providing an individualized level of detail about a
person, or a corporate entity and its principals. The resultant report enables more effective
evaluation and fact-based go/no go decision making.

RELEVANCE:

Our researchers operate within strict guidelines for what is relevant to business, rather
than competing to have the largest database of names and news stories. By excluding
low-level government officials from a PEP database when not required by local regulations,
unsubstantiated rumors or allegations, or criminal behavior with a low monetary value from
adverse media listings, Dow Jones can offer risk and compliance data that is tailored to
the specific needs of each corner of the globe.

LEARN MORE
For more information, contact your Dow Jones account manager or visit dowjones.com/risk

2015 Dow Jones & Company., Inc. All rights reserved.

SANCTIONS COMPLIANCE
Regulators are increasingly clamping down on the regulated to ensure they have spotless sanctions compliance
programs. While the massive civil monetary penalties from OFAC garner headlines, outside the U.S., program
inadequacies spotted during regulatory examinations are drawing financial repercussions.
The main challenge for companies is meeting the bar that regulators are continuously raising:

Finding alternate spellings, and misspellings, of names

Identifying banks by their SWIFT BIC address
Comparing the birth dates of sanctions targets to those in clients data
Knowing which unlisted companies are majority-owned by other sanctions targets

All but the smallest companies are under an increasingly demanding microscope; one that requires an escalating
commitment to quality sanctions data.
Dow Jones goes further to provide the level of quality that evolving sanctions compliance
requirements demand. New regulatory mandates cast a wide net, sending firms scrambling to become compliant.
In helping companies deal with such mandates, Dow Jones data stands apart, finding those hidden pieces of
data beyond that included in the explicit regulatory designation, such as cargo vessel information sourced from
IHS Fairplay, or state-owned companies with majority government ownership. In our proud tradition of excellence,
exemplified by our flagship publications, we provide accurate, complete and up-to-date content. Our reliability means
that companies can make better decisions with less investment of their time and resources.

DOW JONES RISK & COMPLIANCE QUALITY ITS IMPACT ON SANCTIONS

The quality of Dow Jones Risk & Compliance data makes a significant difference in corporate performance in several
specific ways:
SPEED:

Our premium Sanctions service is refreshed every 8 hours. This reduces the window in
which businesses are exposed to the regulatory risk and scrutiny from newly designated
sanctions targets.

COMPLETENESS:

Our researchers enrich our listings with additional detail, such as dates and places of birth,
personal and corporate identifiers, and names in the original language, among others. This
enables decisions to be made more quickly, without the need for additional research, and
with a higher degree of

EFFICIENCY:

Dow Jones Risk & Compliance merges all the data for a given person or entity into a single
listing, regardless of the number of sanctions lists in which the person or entity appears.
This consolidation reduces the time required to perform review of a matched person or
entity by up to 40%.

RELEVANCE:

Our researchers operate within strict guidelines for what is relevant to business, rather than
competing to have the largest database of names and news stories. Being able to focus
additional research effort on covered but unlisted sanctions targets, such as companies
majority-owned by sanctions targets, Dow Jones can offer risk and compliance data that is
tailored to the evolving sanctions compliance needs of the moment.

BENEFITS BY THE NUMBERS

Dow Jones Risk & Compliance supports your business with:

Comprehensive coverage: Over 500,000 news stories reviewed daily from over 32,000 different news
sources scanned for relevant content
Global coverage: News sources from 200 countries
Diverse coverage: Researchers find relevant information in 60 languages
Faster coverage: Sanctions data refreshed every 8 hours
Names in non-Latin scripts: Over 395,000 names in original scripts, like Chinese, Cyrillic and Arabic
Cities and Ports: Over 3,000 cities and regions, over 500 airports and seaports with UN/LOCODE or IATA
codes
Chinese Commercial Codes: Over 33,000 codes for OFAC, UN and EU entities

LEARN MORE
For more information, contact your Dow Jones account manager or visit dowjones.com/risk

2015 Dow Jones & Company., Inc. All rights reserved.

WATCHLIST
IDENTIFY
HIGH-RISK
CLIENTS

Firms world-wide must continually assess how much risk third-party

relationships pose to their business, whether those relationships are with
customers, vendors, employees or other counterparties. One of the most
crucial tasks for compliance officers and risk managers is identifying
high-risk clients, who are more likely to be involved in money laundering,
corruption or other financial crimes and frauds.
Third parties must clear two hurdles:
first, are they, or have they ever been,
involved in fraud and other undesirable
activity? Second, are those parties
connected to governments and stateowned companies, which provide the
means for committing financial crimes?
Risk managers and compliance officers
need information that helps identify
third parties who could possibly tarnish
their firms balance sheet or reputation.
However, finding that information can be
very costly in money and resources.
The compliance and risk management
challenge is to efficiently identify the
few third parties whose past behavior
or public-sector involvement warrants
more oversight. This might include
additional up-front due diligence, as
well as regular scrutiny and activity
monitoring. These are the people
who most require companies risk
and compliance efforts toward AML,
anti-bribery and corruption, and
fraud prevention.

(1)

Dow Jones Watchlist provides the

comprehensive, detailed, accurate data
that identifies those persons who fit
the profile that risk managers want to
monitor. Our proud tradition of excellence,
exemplified by our flagship publications,
provides up-to-date content that is
accurate and complete. Our reliability
means that companies can be more
effective in their review and decisionmaking processes, with more efficient
investment of their time and resources.

WATCHLIST
Dow Jones Watchlist includes:

What
You
Need to
Know:

Sanctions lists, exclusion lists, export

Politically Exposed Persons

control lists, travel restriction lists

(PEPs) and their Relatives and

Close Associates

Enhanced Country Risk data for

sanctions compliance, including

Adverse Media for Special Interest

sanctioned bank and vessel info, as

Persons from Dow Jones Factiva, and

well as companies owned 10% or

their Relatives and Close Associates.

more by sanctions targets

Global coverage of all publicly available sanctions lists

Publicly available lists checked for accuracy
Listings enhanced with other data from Dow Jones Factiva
and other reputable sources
Alternate names and name spellings
Names in native-language script
Dates and Places of Birth
Citizenship, Nationality and Legal Jurisdiction
Personal and corporate identifiers such as passports,
driver licenses, TINs and D-U-N-S numbers

LEARN MORE
For more information, contact your Dow Jones account manager or visit dowjones.com/risk.

(2)
2015 Dow Jones & Company, Inc. All rights reserved. 29DEC2014

ARE YOU
EXPOSED TO
RUSSIAN
SANCTIONS?
ARE YOU
WORKING
WITH A
COMPANY
OWNED BY

Sergey Aksyonov. Aleksei Chaliy. Sergey

Chemezov. Vladimir Dzhabarov. Andrei
Fursenko. Sergey Glazyev. Alexei Gromov.
Sergei Ivanov. Victor Ivanov. Andrei Klishas.
Vladimir Konstantinov. Yuri Kovalchuk.
Dmitry Kozak. Vladimir Kozhin. Mikhail
Malyshev. Valentina Matviyenko. Viktor
Medvedchuk. Valery Medvedev. Sergei
Mironov. Yelena Mizulina. Evgeny Murov.
Sergey Naryshkin. Viktor Ozerov. Oleg
Panteleev. Aleksey Pushkov. Dmitry Rogozin.
Boris Rotenberg. Arkady Rotenberg. Nikolai
Ryzhkov. Igor Sechin. Igor Sergun.
Leonid Slutsky. Vladislav Surkov. Rustam
Temirgaliev. Gennady Timchenko. Aleksandr
Totoonov. Sergey Tsekov. Vyacheslav
Volodin. Vladimir Yakunin. Sergei
Zheleznyak. Yuriy Zherebtsov. Pyotr Zima*
Protect your company.
Visit dowjones.com/risk

(1)
*Source: US Department of Treasury:
Office of Foreign Assets Control: Ukraine-related designations 2014 (3/17, 3/20, 4/11, 4/28, 6/20, 7/16, 7/29, 7/31, 9/12, 12/19)

UKRAINERELATED
SANCTIONS
RESEARCH

Sanctions regulations in the U.S.,

U.K., European Union, Canada
and Australia for the separatists in
eastern Ukraine and their backers in
Russia extend beyond the published
names of individuals and entities.
They specify that entities owned and
controlled by sanctions targets are also
sanctioned. The U.S. regulator OFAC
has been even more explicit, stating
that rms where the ownership stake
of multiple sanctioned individuals or
companies adds up to 50% or more are
considered subject to sanctions.
Dow Jones Risk & Compliance goes
a step beyond in our Ukraine-Related
Sanctions Research data. We cover
all companies sanctioned by the U.S.,
U.K. or EU in which a sanctions target
(e.g., designated by either the U.S.,
U.K. or EU under their Ukraine-related
sanctions programs) owns a minimum
stake of 10% of the rm. We recognize
that capturing all signicant ownership
stakes gives the most exibility to
risk management and compliance

professionals. While rms must cease

dealing with companies who meet strict
regulatory ownership denitions, they
also may wish to steer clear of those
with signicant minority ownership by
sanctioned individuals or companies.
The OFAC Ukraine-related sanctions
program includes a new requirement
to prevent dealings in most new issues
of debt or equity by a separate set of
designated companies. The Sectoral
Sanctions Identication (SSI) List
contains rms in the Russian nancial
services, energy and defense sectors
for whom certain transactions must be
rejected. In order to assist rms with SSI
List compliance, Dow Jones tracks new
issues of debt or equity by these rms
and includes the ISIN securities code for
them in the Ukraine-Related Sanctions
Research data.
Dow Jones provides the comprehensive,
detailed, accurate data that identies
those persons, rms and relationships
which risk managers want to keep track
of. In the proud tradition of excellence
exemplied by our agship publications,
we provide accurate, complete and
up-to-date content. Our reliability
means that companies can be more
effective in their review and decisionmaking processes, with more efcient
investment of their time and resources.

LEARN MORE
For more information, contact your
Dow Jones account manager or
visit dowjones.com/risk.

(2)

OFAC-RELATED CONTENT (AS OF DECEMBER 5, 2014)

WHAT
YOU
NEED TO
KNOW:

107 Sanctioned Subjects

- 57 Individuals (25 Company Owners)
- 50 Entities
3,312 Related Entities
Entity Categories:
- 2,977 Entities owned 10% or more by a single sanctioned subject
1,176 Entities owned 100%
965 Entities owned 50-99.9%
836 Entities owned 10-49.9%
- 262 Entities owned 50% or more by multiple sanctioned subjects
- 16 Entities with sanctioned subjects who are board members or senior
executives
Key information included for each profile:
- Address: 3,255 Entities
- Original Script Name: 2,796 Entities
- Registration Number/Company ID: 2,930 Entities
- Registration Date: 3,040 Entities
- ISIN: 23 Entities
- DUNs Number: 620
- Countries with subsidiaries with 10%+ Ownership: 78
EU-RELATED CONTENT (AS OF DECEMBER 5, 2014)
202 Sanctioned Subjects
- 154 Individuals (79 Company Owners)
- 48 Entities
1,721 Related Entities
Entity Categories:
- 1,327 Entities owned 10% or more by a single sanctioned subject
527 Entities owned 100%
522 Entities owned 50-99.9%
278 Entities owned 10-49.9%
- 139 Entities owned 50% or more by multiple sanctioned subjects
- 31 Entities with sanctioned subjects who are board members or
senior executives
Key information included for each profile:
- Address: 1,681 Entities
- Original Script Name: 1,567 Entities
- Registration Number/Company ID: 1,588 Entities
- Registration Date: 1,579 Entities
- DUN Number: 151
- Countries with subsidiaries with 10%+ Ownership: 47

(3)

COUNTRIES WITH
SUBSIDIARIES
WITH 10%+
OWNERSHIP BY
RUSSIAN SUBJECT:

(4)
2015 Dow Jones & Company, Inc. All rights reserved. 5DEC2014

ABKHAZIA

JORDAN

AFGHANISTAN

KAZAKHSTAN

ANGOLA

KYRGYZSTAN

ARMENIA

LATVIA

AUSTRIA

LIECHTENSTEIN

AZERBAIJAN

LITHUANIA

BAHAMAS

LUXEMBOURG

BELARUS

MACEDONIA

BELGIUM

MALAYSIA

BELIZE

MALTA

BERMUDA

MOLDOVA

BOSNIA AND HERZEGOVINA

MONGOLIA

BRITISH VIRGIN ISLANDS

MONTENEGRO

BULGARIA

NAMIBIA

CAMEROON

NETHERLANDS

CANADA

NIGERIA

CAYMAN ISLANDS

NORWAY

CHINA

POLAND

CROATIA

ROMANIA

CYPRUS

RUSSIA

CZECH REPUBLIC

SERBIA

DENMARK

SINGAPORE

EGYPT

SLOVAKIA

ESTONIA

SLOVENIA

FINLAND

SOUTH AFRICA

FRANCE

SOUTH OSSETIA

GEORGIA

SPAIN

GERMANY

SWEDEN

GHANA

SWITZERLAND

GIBRALTAR

TAJIKISTAN

GREECE

TURKEY

GUERNSEY

TURKMENISTAN

HONG KONG

UKRAINE

HUNGARY

UNITED ARAB EMIRATES

INDIA

UNITED KINGDOM

IRELAND

UNITED STATES

ISLE OF MAN

UZBEKISTAN

ITALY

VENEZUELA

JERSEY

VIETNAM

DUE DILIGENCE REPORTS

IDENTIFY
HIGH-RISK
CLIENTS

Due Diligence business

models include:
Know Your Customer (KYC)
due diligence for Anti-Money
Laundering (AML) compliance
for high-risk customers
Background checks for highvalue banking transactions
Due Diligence of institutional
investors for hedge funds and
private equity firms
Due Diligence as part of
Anti-Bribery and Corruption
(ABC) compliance

WHAT YOU NEED

TO KNOW:
Red Flag Reports
available in
5 business days
Level 1 Online
Reports available in
7-10 business days
Level 1 Onsite
Reports available in
10-15 business days

A companys brand reputation is

one of its most valuable assets.
Protecting the firms reputation from
undue third-party risk is one of the main
reasons why compliance officers and
risk managers perform due diligence
on people and companies with whom
they have (or expect to have) significant
direct business dealings. Being aware
of a third partys illegal, immoral or
unethical conduct allows the company
to thoroughly evaluate the cost/benefit
balance for any proposed relationship.
In general, the third parties who
present both the greatest potential
benefit and the greatest threat to a
corporate reputation are those who
require the most in-depth research.

While comparisons against official and

third-party watch lists will suffice for the
vast majority of third parties, critical
relationships require enhanced
due diligence.
Dow Joness Due Diligence Reports
provide the in-depth, comprehensive
research that companies need to
evaluate before initiating a new thirdparty business relationship. In addition
to a plethora of publicly available
content, the strength of a Dow Jones
Due Diligence Report is backed up by
the power of Factivas content, most of
which is not freely available. And, when
required information is not online, Dow
Jones can manually retrieve public
court or other records.

Dow Jones offers two basic types of Due Diligence Reports

Red Flag Reports and Level 1 Reports.
Red Flag Reports include
information from:
Factiva offers content from over
32,000 global news and information
sources from nearly every country
worldwide and in 28 languages.
Content from reputable Internet
sources in English and the
local language
Researchers find relevant
information in 60 languages
Dow Jones Risk & Compliance
database, which includes:
- Politically Exposed Persons (PEP)
- Sanctions and other official
regulatory and exclusion lists
- Adverse media on persons
- Relatives and close associates
Corporate beneficial ownership
information (from public
records research)

Level 1 Reports include the

content available in Red Flag
Reports, and additionally contain the
following information:
Corporate registration records
Civil litigation records
Criminal records
Judgments and liens
Regulatory records
Bankruptcy records
Employment confirmations
(optional service)
Education confirmations
Other professional designation
or license confirmations
Level 1 Reports are available utilizing
online content only (Level 1 Online),
or for in-person records retrieval when
online records are not available
(Level 1 Onsite).

LEARN MORE
For more information, contact your Dow Jones account manager or visit dowjones.com/risk.
2015 Dow Jones & Company, Inc. All rights reserved. 23DEC2014