Mode of a financial institution and affiliated enterprises supply products and services to their customers (servicing methods and distribution channels).

For example, reliance upon brokers, intermediaries, and other independent third parties poses a higher sanctions risk than when a business interacts directly with customers and suppliers. The absence of face-to-face onboarding presents a higher risk than when customers are onboarded directly or through a domestic affiliate. Other distribution methods that do not require face-to-face onboarding, such as Internet banking and money services businesses, are thought to offer a more significant risk of sanctions. A delivery channel that accepts payments fast carries a higher risk.