Islamic bank licensees must not commence a business relationship or undertake a transaction with a customer before completion of the relevant customer due diligence measures specified in Chapters 1, 2 and 3. Licensees must also adopt risk management procedures with respect to the conditions under which a customer may utilise the business relationship prior to verification. However, verification may be completed after receipt of funds in the case of: Bahrain companies under formation which are being registered with the Ministry of Industry, Commerce and Tourism; or newly arrived persons in Bahrain who are taking up employment or residence; or non face-to-face business, or the subsequent submission of CDD documents by the customer after undertaking initial customer due diligence provided no disbursement of funds takes place in any of the above cases until after the requirements of these Chapters have been fully met.