The EBA, in its Opinion on how to comply with AML/CTF when providing asylum seekers from higher-risk jurisdictions with financial products and services, states that providing a more limited range of services on a risk-sensitive basis (for example, by not permitting overdraft facilities on accounts) or setting up stricter internal controls which will facilitate early intervention in the event of suspicion, may reduce risk. The Opinion also states that on-going monitoring of the business relationship and of transactions is key to effective mitigation of AML/CTF risks. Monitoring should include setting expectations of the customer’s behaviour in order to determine what might constitute a suspicious transaction for that customer.