How do you know they do ? The recent leaks, U.S. government position on Swiss banking laws and money laundering tells me they don't question too hard.

> In my experience these fancier banks tend to ask a whole lot of questions.

Are you High Net Worth Individual with 100's of millions of dollars in shady assets from a developing economy ? Otherwise your experience doesn't compare.

> Vladimir Putin could also have come up with paperwork

Vladimir Putin or any government official do not show the same sources of income and wealth in their home countries, if the income/ wealth declarations don't match to the money deposited the due diligence process is clearly not working.