--- title: Your Essential Guide on How to FICA a Trust | nCino KYC description: Guide for TCSPs on how to comply with FICA regulations for trusts, including due diligence steps, risk assessment, and record-keeping. 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Since becoming designated Accountable Institutions in 2022, TCSPs must navigate complex due diligence requirements—from identifying trust founders and beneficiaries to screening for Politically Exposed Persons (PEPs) and managing risk assessments. ``` ## The Trust Compliance Challenge Trusts present particular vulnerabilities in the fight against financial crime. Their complex structures can obscure beneficial ownership, making them potential vehicles for money laundering, tax evasion, and terrorist financing. That's why thorough customer due diligence on trusts and their related parties is essential. ## Your Step-by-Step FICA Roadmap Our comprehensive guide walks you through the complete trust due diligence process: - Collect Trust Documents - Identify & Verify any Authorised Signatories - Perform DPEP, FPEP & PIP Screening on the Trust & the Related Parties - Perform TFS list Screening on the Trust & the Related Parties - Calculate Risk Levels of the Trust & Related Parties based on the Information - Record Keeping & Evidentiary Proof for Audits & Regulatory Checks [![Request your Essential Guide on How to FICA a Trust](https://hubspot-no-cache-eu1-prod.s3.amazonaws.com/cta/default/24906619/e960a3f8-e1cc-4d3d-9196-2187e689cd2a.png)](https://hubspot-cta-redirect-eu1-prod.s3.amazonaws.com/cta/redirect/24906619/e960a3f8-e1cc-4d3d-9196-2187e689cd2a)   Need expert guidance? nCino KYC offers specialised FICA advice, services, and training to help TCSPs meet all regulatory obligations. Contact us to learn more.         ## Related Articles - ### [Directive 11 Frequently Asked Questions](https://blog.kycafrica.ncino.com/directive-11-frequently-asked-questions) ![Directive 11 Frequently Asked Questions](https://blog.kycafrica.ncino.com/hubfs/Directive%2011%20FAQs-1.jpg) - ### [Directive 11 Now in Force: What Compliance Officers Need to Know](https://blog.kycafrica.ncino.com/directive-11-is-now-in-force-what-compliance-officers-need-to-know) ![Directive 11 Now in Force: What Compliance Officers Need to Know](https://blog.kycafrica.ncino.com/hubfs/nCino-KYC-Draft%20Directive%2011%20Explained_%20What%20Compliance%20Officers%20Need%20to%20Prepare%20For..jpg) - ### [The Key Requirements That Need to be Met in Order to be FICA Compliant](https://blog.kycafrica.ncino.com/the-7-key-requirements-that-need-to-be-met-in-order-to-be-fica-compliant) ![The Key Requirements That Need to be Met in Order to be FICA Compliant](https://blog.kycafrica.ncino.com/hubfs/The%20Key%20Requirements%20That%20Need%20to%20be%20Met%20in%20Order%20to%20be%20FICA%20Compliant.jpg) - ### [Accountable Institutions Under FICA: Complete List and Compliance Obligations](https://blog.kycafrica.ncino.com/accountable-institutions-under-fica-complete-list-and-compliance-obligations) ![Accountable Institutions Under FICA: Complete List and Compliance Obligations](https://blog.kycafrica.ncino.com/hubfs/nCino-KYC-Accountable-Institutions-Under-FICA-Complete-List-and-Compliance-Obligations-1.jpg) - ### [5 Examples of KYC According to the FIC Act](https://blog.kycafrica.ncino.com/5-examples-of-kyc-according-to-the-fic-act) ![5 Examples of KYC According to the FIC Act](https://blog.kycafrica.ncino.com/hubfs/nCino-KYC-5-Examples-of-KYC.jpg) ![nCino Full colour Logo](https://blog.kycafrica.ncino.com/hubfs/nCino%20Full%20colour%20Logo.svg) Subscribe to our newsletter [Subscribe](https://share-eu1.hsforms.com/1EGe3layITCaXlgtYEX6fSwetu2j) - - - - ### Solutions - [Client Onboarding](https://kycafrica.ncino.com/solutions/customer-onboarding/) - [Watchlist](https://kycafrica.ncino.com/solutions/watchlist-screening/) - [Risk Rating](https://kycafrica.ncino.com/solutions/risk-rating/) - [Bank Account Verification](https://kycafrica.ncino.com/solutions/account-verification/) - [Compliance Services](https://kycafrica.ncino.com/solutions/compliance-services/) - [Training and Webinars](https://kycafrica.ncino.com/solutions/training-and-webinars/) ### Industries - [nCino for Banks](https://www.ncino.com/) - [High Value Goods Dealers](https://kycafrica.ncino.com/industries/high-value-goods-dealers/) - [Law Firms](https://kycafrica.ncino.com/industries/law-firms/) - [Real Estate Industry](https://kycafrica.ncino.com/industries/real-estate-industry/) - [Stock Brokers](https://kycafrica.ncino.com/industries/stock-brokerage/) - [Forex Traders](https://kycafrica.ncino.com/industries/forex-traders/) - [Financial Service Providers](https://kycafrica.ncino.com/industries/financial-advisors/) - [Credit and Lending](https://kycafrica.ncino.com/industries/credit-and-lending/) - [Motor Vehicle Dealers](https://kycafrica.ncino.com/industries/motor-vehicle-dealers/) - [Other Accountable Institutions](https://kycafrica.ncino.com/industries/other-accountable-institutions/) ### Company - [About](https://kycafrica.ncino.com/about/) - [Press Releases](https://kycafrica.ncino.com/press/) - [Careers](https://www.ncino.com/our-company/careers) - [Contact](https://kycafrica.ncino.com/contact/) - [Partner with us](https://kycafrica.ncino.com/industries/our-partners/) - [FICA FAQ's](https://kycafrica.ncino.com/fica-faqs/) ### Legal & Compliance - [Terms and Conditions](https://kycafrica.ncino.com/terms-and-conditions/) - [Privacy Statement](https://kycafrica.ncino.com/privacy-policy/) - [PAIA Manual](https://kycafrica.ncino.com/wp-content/uploads/2025/03/nCino-SA-PAIA-Manual-March-2025-2.pdf) - Cookie Settings © 2016 – 2026 nCino. 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