We are currently asking for legal name of beneficiary, relationship to owner of trust, ssn, and address for all beneficiares of trust accounts.
We are having quite a few exceptions where we aren't able to obtain this information to comply with our own CIP.
Mainly the owner of the trust doesn't want to ask for SSN of the beneficiary.
How do other FI have their CIP for beneficiaries set up.

Under the regulation, the trust is the "customer," not the beneficiary. Nevertheless, your bank's CIP may apply to anyone you choose including the trustee and the beneficiary.

A trust is a taxable entity and must file its own income tax return. It reports income to the beneficiary on a form K-1. That form contains the beneficiary's SSN.

The trustee has the SSN.

Since the beneficiary is not our customer we do not include them in our CIP. When (and if )they become our customer CIP swings into motion. Much simpler. You may want to re-address your own policy.