If you have fixed desks, put a piece of sticky note over the laser on their mouse. That or use the monitor settings to rotate their screen 180 degrees when they aren’t around.
Speaking for the UK, that’s every financial institution. The whole point is that everyone is required to complete checks to make sure you are who you say you are, if you refuse them then that is an indicator of money laundering. Even just receiving and returning money helps a money launderer establish a paper trail and assists in layering to legitimise the money they gave you. That’s a big no-no, obviously, so it can’t simply be returned without risking significant legal implications from the regulator. All expectations are set up front on this when beginning transactions.
If I’m not asleep by a certain time of night, “hour of the wolf”, then I find it very hard to sleep without something in the background. Usually I use the sound of a babbling brook that I recorded while in Iceland.
Working in a financial call centre, a certain type of person considered us to have stolen their money if they sent us an funds for an investment and refused to send anti-money laundering documents with it, because we also couldn’t return the money without them. Sorry, buddy.