Anti Money Laundering Support

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Anti-money laundering (AML) is a central regulatory concern for payment and e-money firms. Given the speed of transactions, the volume of funds, cross-border activity, and reliance on technology and third parties, the payments sector is particularly exposed to money laundering, fraud, sanctions breaches, and other forms of financial crime. To address these risks, AML compliance has become one of the key priority areas for the Financial Conduct Authority (FCA). The FCA expects firms to establish clear, proportionate, and effective AML frameworks that are embedded into day-to-day operations, rather than treating them as merely a box-ticking exercise. This encompasses strong governance and oversight, a robust firm-wide risk assessment, effective customer due diligence, transaction monitoring, sanctions screening, and timely reporting of suspicious activity. For payment firms, weaknesses in AML processes are often a common driver of regulatory intervention, supervisory action, and enforcement. The FCA will evaluate not only the existence of appropriate policies but also their proper implementation, understanding by staff, and effectiveness in practice. Firms are expected to actively identify, manage, and review AML risks as their business evolves, which may involve utilizing AML audit services to ensure ongoing compliance and effectiveness.

AML Gap Analysis

We review your existing AML framework against current supervisory expectations for your sector, identifying gaps, weaknesses, and areas of regulatory risk. This comprehensive analysis is a key component of our AML audit services, ensuring you are aligned with best practices in AML compliance.

You receive a clear, practical report with prioritized remediation actions.

AML Audits & Independent Reviews

Our AML audit services include thorough AML audits and independent reviews designed to assess both design and operational effectiveness, tailored to your business model and regulatory context. The outputs of these reviews are suitable for internal governance, supervisory engagement, or third-party assurance.

Annual AML Compliance Attestation

We support firms with annual attestations of AML compliance, helping to evidence that:

- Controls remain appropriate and effective

- Risk assessments have been reviewed and updated

- Policies and procedures remain current

- Training obligations have been met

This creates a clear annual compliance record, reinforcing your commitment to anti-money laundering practices.

Policies, Procedures & Template Access

We develop bespoke AML policies and procedures tailored to your sector and risk profile. Where appropriate, firms also receive access to templated AML documents, enabling efficient updates as regulatory expectations evolve.

AML Training

We deliver practical, role-specific AML training tailored to your sector, covering:

- Relevant money laundering typologies

- CDD and EDD expectations

- Ongoing monitoring and escalation

- SAR decision-making and AML governance

Our training is fully documented and suitable for supervisory review, ensuring that your team is well-equipped to meet anti-money laundering obligations.

Our approach

We support regulated firms in a way that is:

- Risk-based and proportionate

- Aligned to sector-specific supervisory expectations

- Focused on evidence and real-world implementation

- Practical, clear, and regulator-ready

No one-size-fits-all compliance.