D) Frontline will not complete adequate CDD. Critical Impact: Absence of CDD processes during product launch leaves the institution exposed to onboarding high-risk customers without proper risk assessment. Guidelines and Compliance: FATF standards emphasize embedding CDD in all stages of customer interaction to mitigate ML/TF risks. =========================

A) Product launches may not be adequately prepared.

B) Client experience improves as accounts can be opened more quickly.

C) Product launches will motivate frontline to get more customers.