Financial institutions' fears of financial crime risks and the potential regulatory censure that might arise, can lead to the development of financially and socially exclusive business policies and products. This session with financial crime consultancy FINTRAIL will look at the importance of building an inclusive approach into the development of new products, as well as taking a proactive risk management approach that looks ahead to potential problems of exclusion that might arise, especially around the implementation of financial crime controls in KYC/CDD, screening and monitoring. A key message of the session will be that the real application of a judicious risk-based approach - properly evidenced and auditable - can allow the space for both sensible financial crime risk management and financial inclusion.