ABSTRACT: This study examines the effects of training and technology dependency on Customer Due Diligence (CDD), as well as the impact of CDD on money laundering risk judgment among bank officers in Pekanbaru City, Indonesia. A quantitative method was used, which entailed the distribution of questionnaires to 120 bank branches, with a total target of 240 respondents. Of the questionnaires distributed, 92 were returned, and 81 of these were deemed valid for analysis. The collected data were then subjected to rigorous analysis using Structural Equation Modeling (SEM) with SmartPLS 4.0, a software designed to facilitate the study of complex data structures. The findings indicate that training and technology dependency exert a positive and significant influence on CDD, and CDD, in turn, demonstrates a positive and significant impact on money laundering risk judgment. These findings suggest that enhancing the quality of training and optimizing technology utilization can strengthen the implementation of CDD, which, in turn, can lead to more accurate and practical risk assessments to prevent money laundering.

KEYWORDS – Bank Officers, Customer Due Diligence, Money Laundering Risk Judgment, Technology Dependency, Training