EU AML directive compliance, from AMLD to the AML Regulation.
AMLD4 and AMLD5 obligations are transposed nationally, AMLD6 changes the supervisory architecture, and the AML Regulation applies directly from 2027. ComplianceSuite holds each obligation as a configurable, date-versioned control so your programme keeps pace without a rebuild.
- Risk-based CDD, SDD and EDD workflows
- UBO identification with 25% threshold logic
- Group-wide policies with local variations
- Five-year record retention and audit trail
Customer due diligence that matches the risk
Risk factors from Annex II and III drive the diligence path automatically, so simplified, standard and enhanced measures are applied consistently and each decision is explainable.
- Identification and verification with document and liveness checks
- PEP, sanctions and adverse-media screening at onboarding and on an ongoing basis
- Source-of-funds and source-of-wealth evidence collection
- Periodic and event-driven review scheduling
Beneficial ownership and control
Ownership chains are resolved across layers and jurisdictions, with registry data reconciled against customer-provided structure charts and discrepancies flagged for reporting.
- Multi-layer UBO resolution and percentage calculation
- Control-based ownership where no 25% holder exists
- Registry discrepancy reporting workflow
- Nominee and trust structure handling
Reporting to national FIUs
Suspicious activity and transaction reports are prepared from case evidence and submitted in the national format, with acknowledgement tracking and escalation SLAs.
Ready for the AMLR transition
Every rule carries an effective date, so directive-based national requirements and the directly applicable AML Regulation can run in parallel — and you can evidence exactly which rule set applied to any historical decision.
FAQ
Regulator questions, answered.
What is the difference between the AML directives and the AML Regulation?
The AML directives (AMLD4, AMLD5 and AMLD6) must be transposed into national law, which is why obligations differ between member states. The AML Regulation applies directly and uniformly across the EU from 2027, covering customer due diligence, beneficial ownership and internal policies without national transposition.
Does the platform handle national divergence between member states?
Yes. A group-level policy baseline is applied to every entity, and each jurisdiction can carry local overrides — such as different thresholds, document requirements or FIU reporting formats — while the group MLRO retains a consolidated view.
How is beneficial ownership determined when no one holds 25%?
The platform falls back to control-based tests: voting rights, rights to appoint or remove management, contractual control and, where no natural person can be identified, senior managing officials are recorded with the reason documented for audit.
How long is documentation retained?
Customer due diligence records and transaction data are retained for at least five years in an immutable, exportable form, with legal-hold support where a longer national period or an ongoing investigation applies.
See your AMLD-to-AMLR gap in one session.
We map your current controls to the directive and regulation requirements and show what changes before 2027.