We provide outsourced KYC/ODD teams, compliance officer support and independent AML audit to EMIs, payment institutions and fintechs. All specialists EU-based, operational in two weeks.
EMIs carry full AML obligations under AMLD6 and face direct NCA supervision. We provide KYC/ODD teams and compliance officer support to the standard your regulator expects.
High transaction volumes require scalable, accurate KYC and ongoing monitoring. Our teams handle CDD, EDD, PEP and sanctions screening at the volume and quality your licence demands.
Consumer credit AML obligations are growing. We help lending fintechs build KYC infrastructure that satisfies AML requirements and credit risk appetite without duplicating work.
MiCA requires CASPs to demonstrate full AML substance, not just policy documents. We provide compliance officer support, KYC team support and the crypto-specific AML expertise MiCA demands.
US, UK, and APAC companies launching EU-licensed entities need AML infrastructure quickly. We handle the team, the compliance officer role, and the programme, from licence application through to live operation.
If you build compliance tools for regulated clients, we provide the AML expertise your product needs: advisory, audit validation, independent review or analyst teams embedded alongside your technology.
AIFMs and larger regulated funds in Luxembourg, the Netherlands and Ireland carry the same AMLD6 AML obligations as fintechs, under CSSF, AFM and CBI supervision. We provide KYC/ODD teams, compliance officer support and AML programme advisory calibrated to fund-specific customer typologies and NCA expectations.
High-net-worth and ultra-high-net-worth customer onboarding carries disproportionate KYC complexity: beneficial ownership through multi-layered structures, PEP exposure, and source of wealth documentation. We provide ODD teams and AML programme support built for the depth of review this client base demands.
Life and health insurers sit at the intersection of two regulatory obligations: AMLD applies to life insurance products, and AI pricing models fall directly under EU AI Act Annex III. We provide AML programme support, KYC teams for high-risk policy onboarding, and AI Act advisory for underwriting models.
Every engagement starts with understanding your regulatory obligations, your current AML infrastructure, and where the gaps are. We scope before we propose.
EU-based KYC analysts and ODD investigators, fully aligned to your AML policies and regulatory framework. Scalable from one analyst to a full team. Operational in two weeks, monthly fixed rate, no placement fees.
Interim, fractional and licence-stage compliance officer provision. Licence applications, gap cover after departure, Deputy compliance officer resilience. ACAMS-certified, 5+ years regulated-sector experience.
Independent AML effectiveness audit, pre-NCA examination health check, and programme design for regulated firms building or overhauling their AML framework. Fixed fee per engagement.
AML programme build and compliance team for crypto asset service providers under MiCA. KYC/ODD teams for crypto onboarding, Travel Rule implementation and pre-registration NCA preparation.
For regulated financial institutions using AI in credit decisions, insurance pricing or HR screening. Risk classification, conformity assessment and cross-regulatory advisory integrated with your AML and GDPR framework.
We provide outsourced KYC analysts and ODD investigators who work inside your systems, under your AML policies, and report to your MLRO. The team is not a separate vendor relationship. They are your compliance function, staffed by us.
Three engagement models cover most situations: a dedicated team for ongoing volume, a capacity block for inspection prep and backlog clearance, and a case-based model for variable demand. All include ACAMS-certified team lead supervision and weekly QA reporting.
"They deployed four analysts within ten days. The NCA found no material issues with our KYC function."
There are specific moments when an in-house compliance officer is either not yet warranted, temporarily unavailable, or structurally impractical. We provide the qualified, accountable senior compliance officer for those moments, without requiring a permanent hire.
ACAMS-certified, minimum five years in regulated institutions under NCA supervision. Genuine statutory accountability. Not an advisor countersigning documents from a distance.
Two services. An independent AML effectiveness audit, conducted against AMLD6 and EBA guidelines, with written findings your board can act on and your NCA can inspect. And AML programme design for firms building a framework from scratch or overhauling one that no longer meets current requirements.
Both are fixed-fee engagements, scoped and agreed in writing before any work begins. The audit output is structured for board presentation and NCA examination use. Programme deliverables include a full policy suite, BWRA and implementation roadmap.
MFSA · CySEC · Central Bank of Ireland · BaFin · Bank of Lithuania · Finantsinspektsioon
View MiCA / CASP service →MiCA is now in force. EU-licensed CASPs need a designated AMLCO, a functioning KYC/ODD programme built for crypto customer typologies, Travel Rule compliance, and an AML programme that satisfies NCA pre-registration review. Generic AML outsourcing does not cover these requirements.
Our MiCA team understands unhosted wallet attribution, blockchain analytics tool integration, on-chain transaction monitoring and the specific Travel Rule protocol mechanics required for CASP compliance. We have supported CASP programme builds for MFSA, CySEC and Central Bank of Ireland registrations.
For regulated financial institutions, the EU AI Act is not a separate technology problem. Credit scoring, insurance pricing and HR screening AI falls directly under Annex III. The compliance function that manages your AML framework is the same function facing these obligations. They arrive at the same time and interact with the same regulatory stack.
We determine your obligations as a provider or deployer, classify your AI systems against Annex III, and produce the documentation your firm needs: written classification opinions, FRIA under Article 27, cross-regulatory mapping with your AML and GDPR frameworks. Not generic templates. Senior advisor assigned within one business day.
"The classification opinion, gap analysis and interim governance framework were delivered in three weeks. The diligence process completed without an AI Act condition."
AMLD6 and EBA/GL/2021/05 permit regulated entities to outsource their AML and KYC functions. No EU NCA can prohibit it. They can only require appropriate governance. That governance is what our team builds into every engagement from day one.
The legal basis: Article 25 of AMLD6 and EBA/GL/2021/05 explicitly permit regulated entities to outsource AML/KYC functions to third parties, provided the arrangement is documented, supervised, auditable, and ultimate accountability remains with the regulated entity. This applies uniformly across all EU member states.
A documented contract covering obligations, service levels, data handling and audit rights. Our team provides a GDPR Art. 28-compliant DPA and outsourcing agreement before any work begins.
Your MLRO retains accountability. Our team executes under your policies and your oversight structure. Regulators are satisfied by this arrangement when it is properly documented.
All analysts are EU-based. All data stays within the EU. We provide weekly QA reports and monthly performance reviews, all documented and available for NCA examination.
We were under pressure from the MFSA ahead of our annual AML review. Our KYC backlog had grown to a point where our existing team could not clear it. Four analysts were deployed within ten days, integrated into our systems, and followed our procedures exactly. The backlog was cleared two weeks before the review date. The MFSA found no material issues with our KYC function.
We brought them in when our customer onboarding volumes doubled in three months and our internal KYC team simply could not keep pace. Two analysts were operational within two weeks. The handover was clean, the quality was consistent from day one, and they managed themselves and reported to us weekly. Exactly what we needed.
As a Cyprus-licensed PI we needed a KYC/ODD team that understood CySEC expectations and AMLD6 requirements simultaneously. They delivered both. The team handles our ongoing EDD reviews and high-risk customer monitoring. The cost compared to expanding our internal team is significantly lower, and the regulatory quality is higher than what we had before.
We compared three outsourcing providers before choosing this team. What decided it was the onboarding process: our AML policies were reviewed, the right questions were asked about our customer base, and the team arrived already calibrated to our risk appetite. Six months in, ODD output quality matches what our best in-house analyst produces.
We are a focused AML compliance firm: not a large agency placing CV-matched candidates, not a generalist consultancy adding AML to a long service list. Our work is exclusively in AML, KYC and financial crime compliance for EU-regulated financial institutions.
Our team leads hold ACAMS certification and bring a minimum of five years in hands-on regulated-sector compliance roles inside EMIs, payment institutions and licensed fintechs under active NCA supervision. Not generalists learning your regulation. Specialists who have run the function you need to run.
We run small, dedicated teams per client. You will not be passed between junior staff. Senior oversight on every engagement, from day one through to ongoing delivery.
Building an in-house AML team takes 3 to 6 months. Our teams are operational in two weeks, against the same regulatory clock your NCA is watching.
Monthly fixed rates with no recruitment fees, no employer costs, no redundancy risk. Budget certainty at the exact moment your compliance spend is under scrutiny.
Your analysts and compliance officer have operated in regulated environments, under real supervisory pressure. Not generalists learning on the job at your expense.
Add analysts as your customer volume grows. Scale down in 30 days if you need to. No headcount commitments and no awkward conversations about compliance staffing.
ACAMS-certified team leads · EU-incorporated · 5+ years regulated-sector experience per lead
AI tools can accelerate screening, flag anomalies and automate document extraction. What they cannot do is make the judgment call that decides whether a transaction pattern is suspicious, whether a corporate structure conceals a PEP, or whether your AML programme will hold up in front of an NCA examiner.
Regulators do not accept an algorithm as your MLRO. An NCA examiner will ask who reviewed the SAR, who briefed the board, who maintains accountability for the programme. That answer has to be a qualified person with a name and credentials.
We provide that person, and the team around them. ACAMS-certified leads, 5+ years each in regulated institutions under active supervisory pressure. Not AI-assisted generalists, but specialists whose career has been built on the compliance function you need to run.
Regulatory examination requires named, accountable individuals. An AI tool has no regulatory standing. The MLRO, the case reviewer, the SAR signatory must be a qualified person.
CDD and EDD require contextual reasoning: is this source of funds plausible? Does this ownership structure make commercial sense? These are not threshold questions. They require expertise.
Every material compliance decision must have documented human reasoning behind it. An AI flag is not a decision. The analyst who assessed it and the senior who reviewed it are what the audit trail requires.
We provide the qualified specialists who operate alongside whatever technology your firm uses. Our team works inside your systems, applies your policies, and carries the regulatory accountability that no AI product can bear.
On AI-assisted KYC products: If your firm uses an AI-powered KYC tool, you still need analysts to review its output, manage the exceptions it cannot handle, and ensure the function meets the standard your regulator expects. The tool reduces volume. The specialist carries the accountability. We provide the specialist.
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Yes. Outsourcing AML and KYC functions is explicitly permitted under Article 25 of AMLD6 and EBA/GL/2021/05, uniformly across all EU member states. No NCA can prohibit it: they can only require it to be done correctly.
What regulators require is a documented outsourcing agreement, a GDPR-compliant data processing agreement, evidence of quality oversight, a clear escalation path to your MLRO, and the ability for the NCA to examine the outsourced function. Our engagement structure satisfies all of these from day one.
On the Netherlands specifically: we have supported a Dutch-licensed client through a DNB compliance review. The DNB's expectations are consistent with EBA guidelines: documentation, an accountability chain, EU data residency, and evidence of oversight. All of which we provide as standard. If you have a specific concern about your NCA's position, raise it in the scoping call and we will give you a direct answer.
Send us a brief message and a senior advisor will respond within one business day, with an honest assessment of which service fits your situation and what it will cost. No sales team. No obligation.