Q-31. A person named Jack Ryan has applied to open a new account at Quadstreet International Bank. The bank has a modern, well-established, and compliant customer acceptance policy. Immediately the bank is able to determine two facts: Jack is a high-risk customer, but he previously had an account at another large bank. Further, Quadstreet does conduct business with Jack's previous bank and considers it to be reputable. With respect to money laundering and terrorism financing (ML/FT), which of