Compliance oversight does not end once the account is opened. Banks regularly update client data, request additional documentation, and review individual transactions.
Additional inquiries may arise in particular in the event of:
- high-value or unusual transactions for the client profile;
- changes in the ownership or control structure;
- modifications to the business activity;
- incoming payments from new jurisdictions;
- dividend or loan payments;
- the sale of a company or other asset;
- a change in tax residency;
- transactions with an elevated risk profile.
We guide the preparation of responses to bank inquiries, review the documents to be submitted, and coordinate communication with the responsible bank departments.

If a bank fails to execute a transaction, refuses a credit to an existing account, or requests additional evidence, the underlying reason for this measure must first be clarified. Subsequently, it must be determined which specific documents and explanations are required.
Jost & Partners:
- analyzes bank correspondence and the reasons for the restriction;
- reviews the documentation relating to the transaction in question;
- prepares legal and factual explanations;
- compiles the necessary supporting evidence;
- manages communication with the bank;
- supports the internal review of the matter;
- evaluates potential further steps in the event of an adverse decision;
- assists in preparing the position in a dispute with the bank.
The unfreezing of assets or restoration of account access cannot be guaranteed, as the final decision rests with the bank and, in certain cases, with the competent authorities. Our role is to present the client's position professionally and to prepare the required information in a complete and transparent manner.

A dispute with a bank does not only arise in connection with an account freeze. It may specifically concern:
- the rejection of a transaction;
- the termination of the banking relationship;
- the withholding of a payment;
- repeated demands for additional documentation;
- the execution of client instructions;
- the calculation of fees;
- investment or credit products;
- the fulfillment of contractual obligations by the bank.
Jost & Partners analyzes contracts, general terms and conditions, correspondence and the applicable legal requirements. On this basis, we develop an appropriate position and a practical route to protect the client’s interests.

When handling banking matters, we take into full account the legal requirements of Switzerland and Liechtenstein, anti-money laundering regulations, and the relevant regulatory standards of FINMA and the Liechtenstein FMA. The scope of customer due diligence depends not only on statutory requirements but also on the internal risk policy of the respective bank.
Effective support therefore requires both a comprehensive knowledge of the legal framework and a practical understanding of bank compliance procedures.

Jost & Partners supports private clients, entrepreneurs, companies and international structures with banking and compliance matters in Switzerland and Liechtenstein.
We provide expert assistance in particular with:
- preparing for bank account openings;
- compiling and structuring documentation;
- proving the source of wealth and funds;
- handling additional bank compliance reviews;
- responding to compliance inquiries;
- managing high-value and non-routine transactions;
- addressing restrictions on account access;
- preparing legal positions in disputes with banks.
Our approach is built on careful preliminary review, precise documentation, and professional communication with financial institutions.