Suzanne, a Nikon representative, is working with a customer who provides only a landlord's written statement as identification. What action should Suzanne take with respect to this account?

• A. Open the account with the landlord statement
• B. Refuse to open the account
• C. Open after obtaining additional documentation
• D. Monitor the account for suspicious activity

Answer: (B)

Identity verification must be verifiable and reliable before opening an account. A landlord’s written statement does not prove who the person is or where they live in a way that satisfies customer due diligence. You need solid, acceptable documentation—such as a government-issued photo ID and supporting address verification—to establish identity and residence. If those are not available, you should not open the account. Monitoring for suspicious activity is important, but it cannot replace proper identification and verification.