A compliance officer at a small community bank has been asked to review existing customer onboarding policies and procedures to ensure they adequately address anti-money laundering risks. How should customer due diligence be implemented?

A、 With an annual compliance review and approval of customers
B、 With a one-time event conducted at initial customer onboarding
C、 As an ongoing activity that may vary commensurate with the risk profile of the customer
D、 As applicable to customers that pose higher money laundering or terrorist financing risk