Compliance tools · Corporate governance, employment and financial

EU AML Regulation compliance tool

Regulation (EU) 2024/1624 · European Union · Binding instrument

Name anyone on your staff. The system makes them your compliance person.

A member of your own staff, with no compliance background, reads the training module, answers the interview, and finishes with your EU AML Regulation documentation cited article by article. The knowledge stays in the business.

Every account level runs inside a dedicated Claude account. Anyone can try a toolkit in their own Claude account; compliance work runs in a dedicated one. The Claude Max plan is £90 a month, paid to Anthropic, and is not included in any level.

See a finished report before you pay

EU AML Regulation is Regulation (EU) 2024/1624, a binding instrument in the European Union. Directly applicable anti-money laundering obligations for obliged entities from 10 July 2027.

The free assessment screens for EU AML Regulation when a business provides financial services or is an obliged financial entity.

Sectors this instrument reaches: credit institutions; financial institutions; investment firms; crypto-asset service providers; crowdfunding platforms; dealers in precious metals, precious stones and other high-value goods; dealers in motor vehicles, watercraft and aircraft; real estate agents and developers; independent legal professionals; notaries; auditors; external accountants; tax advisors; trust or company service providers; investment migration operators; consumer and mortgage credit intermediaries; collective investment undertakings and their managers; professional football clubs and football agents; gambling service providers.

Screen your business against all 116 agent toolkits, free →

• Your exact position under EU AML Regulation: what is in place, what is missing, and what to do about each gap.
• Documentation with article citations, ready for auditors, insurers, customers and public buyers.
• A trained person inside the business who understands what the regulation requires, and stays.
• A dated record of every section completed, with the reports themselves staying in your own Claude account. The toolkit is carried by an account level, see the plans.
• All of it completed in-house, at your own pace, without booking a single meeting.

Check that EU AML Regulation applies to your business, free →

Does EU AML Regulation apply to my business?

The Regulation applies to you if you are an obliged entity listed in Article 3, such as a credit institution, financial institution, crypto-asset service provider, real estate agent, auditor, external accountant, tax advisor, notary, trust or company service provider, gambling service provider, or dealer in high-value goods. It applies from 10 July 2027 under Article 90.

Who does EU AML Regulation apply to?

It applies to the obliged entities defined in Article 3, including credit institutions, financial institutions, investment firms, crypto-asset service providers, crowdfunding platforms, dealers in precious metals and high-value goods, motor vehicle, watercraft and aircraft dealers, real estate agents and developers, independent legal professionals, notaries, auditors, external accountants, tax advisors, trust or company service providers, investment migration operators, credit intermediaries, collective investment undertakings and their managers, professional football clubs and agents, and gambling service providers.

Does EU AML Regulation apply to a small business?

The Regulation has no general size threshold, but it recognises smaller obliged entities in Recitals 29 and 30, allows exemption from a business-wide risk assessment where sector risks are well understood under Article 10(1), and applies proportionality to internal controls under Article 9(1). Member States may exempt football clubs with turnover below EUR 5,000,000 for each of the previous two years under Article 5.

When does EU AML Regulation apply from, and what are the deadlines?

It applies from 10 July 2027 for all obliged entities except those in Article 3(3)(n) and (o), to which it applies from 10 July 2029 under Article 90. Key deadlines include beneficial ownership updates within 28 calendar days under Article 62(2), discrepancy reports within 14 calendar days under Article 24(1), and bearer share conversion by 10 July 2029 under Article 79(3).

What does EU AML Regulation require me to do?

You must appoint a compliance manager from the management body under Article 11(1) and a compliance officer under Article 11(2), run a business-wide risk assessment under Article 10, apply customer due diligence, keep records for five years under Article 77, and report suspicious transactions to the FIU under Article 69(1). Internal policies must be tested by an independent audit function under Article 9(1).

What records or documents does EU AML Regulation require me to keep or produce?

You must keep customer due diligence records and transaction records for five years from termination of the business relationship or the date of the occasional transaction or refusal under Article 77, with possible extension of up to five additional years. Legal entities must hold and update beneficial ownership information within 28 calendar days under Article 62(2) and report discrepancies within 14 calendar days under Article 24(1).

What happens if I do not comply with EU AML Regulation?

The Regulation does not set maximum fine amounts itself. Member States must apply effective, proportionate and dissuasive penalties for breaches of the Chapter IV beneficial ownership transparency requirements under Article 68(1), which may include fines, striking-off of legal entities, and private law consequences such as prohibition of profit payments or voting rights. Enforcement of the other AML/CFT obligations falls under Directive (EU) 2024/1640.

How do I start complying with EU AML Regulation?

The first practical step is to appoint a compliance manager from among the members of the management body in its management function under Article 11(1), and to appoint a compliance officer with sufficiently high hierarchical standing under Article 11(2). The compliance officer then draws up the business-wide risk assessment for approval by the compliance manager under Article 10(2).

Which ComplianceSME account includes the EU AML Regulation toolkit?

The EU AML Regulation agent toolkit is included from the Small level.

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