An institution is about to release a new peer to peer (P2P) funds transfer product to provide much needed remittance ser

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An institution is about to release a new peer to peer (P2P) funds transfer product to provide much needed remittance services to an under-banked population segment in the country.
The service allows customers to transfer funds through a mobile banking application to individuals worldwide entering only a name and mobile number. The new service charges less than comparable market solutions and offers real time transfer of funds. The customer onboarding process is conducted at branch locations with identity verification.
Which three present the highest anti-money laundering or sanctions risk and will require controls prior to launch? (Choose three.)

A. Customer onboarding
B. Cross-border functionality
C. Real time transfer of funds
D. Servicing the under-banked population
E. Limited access to counterparty information