(AML-CFT Decision Articles 20.4-5, 21.4), In order for their ML/FT risk assessment and AML/CFT mitigation measures to be effective, DNFBPs should ensure that their employees have a clear understanding of the ML/FT risks that the DNFBP is exposed to and can exercise sound judgment, both when adhering to the DNFBP’s AML/CFT risk mitigation measures and when identifying suspicious transactions. Furthermore, due to the ever-evolving nature of ML/FT risks, DNFBPs should ensure that their employees are kept up to date on an ongoing basis in relation to emerging ML/FT typologies and new internal and external risks. Depending on the nature, size and level of complexity of a DNFBP, a DNFBP should also screen staff to ensure high standards when hiring employees. Thus, to ensure a high level of competence and AML/CFT programme effectiveness, DNFBPs should formulate and implement appropriate policies, procedures and controls with regard to staff screening and training.