Anti Money Laundering Support

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Anti-money laundering is a central regulatory concern for payment and e-money firms. Due to the speed of transactions, 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.

As a result, AML is one of the key priority areas for the Financial Conduct Authority. The FCA expects firms to have clear, proportionate and effective AML frameworks that are embedded into day-to-day operations, not treated as a box-ticking exercise. This includes strong governance and oversight, a robust firm-wide risk assessment, effective customer due diligence, transaction monitoring, sanctions screening and timely suspicious activity reporting.

For payment firms, AML weaknesses are a common driver of regulatory intervention, supervisory action and enforcement. The FCA will assess not only whether appropriate policies exist, but whether they are properly implemented, understood by staff and effective in practice. Firms are expected to demonstrate that AML risks are actively identified, managed and reviewed as the business grows or changes.

We review your existing AML framework against current supervisory expectations for your sector, identifying gaps, weaknesses and areas of regulatory risk.

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

We carry out AML audits and independent reviews designed to assess both design and operational effectiveness, tailored to your business model and regulatory context.

Outputs are suitable for internal governance, supervisory engagement or third-party assurance.

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.

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.

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

Training is fully documented and suitable for supervisory review.

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.