Which of the following is NOT one of the ways a credit union can identify beneficial owners of business accounts?

Identifying beneficial owners of business accounts is a critical requirement for credit unions and financial institutions to comply with anti-money laundering regulations. The correct answer highlights that interviewing the business owner in person is not a prescribed method for identifying beneficial owners in the context of compliance practices.

While personal interviews can provide insight and clarify information about a business and its ownership, they do not align with the standardized requirements set forth by regulatory authorities. Instead, the processes outlined in the other options are recognized and accepted within compliance frameworks.

Obtaining a Certification Regarding Beneficial Owners of Legal Entity Customers involves getting formal documentation that directly supports the identification of beneficial owners, which adds a layer of reliability and legal compliance. Utilizing the credit union's own forms that meet regulatory requirements ensures that the data captured is consistent, thorough, and compliant with the expected standards. Lastly, obtaining necessary information by any other means paired with certification of accuracy allows for flexibility in methods while still ensuring the information's reliability through a certification process.

These standardized methods are essential for ensuring accuracy and compliance, while relying solely on personal interviews could introduce inconsistency and ambiguity in the identification process.