Understand the change.
Before it becomes urgent.

Three final draft RTS: moving from principle to operational rule

Business relationships and occasional/linked transactions, customer due diligence and group-wide arrangements: three building blocks that make the future uniform application of the AMLR more concrete.

Beneficial ownership transparency: a useful comparison for cross-border work

From 1 October 2026 Switzerland has brought its new federal beneficial ownership transparency register into operation, while the revised AML framework extends due-diligence duties to certain high-risk advisory activities. This is not a new geographic service vertical: it is a comparative case for ownership, corporate structures, data maintenance and the role of professional advisers.

AML lens: identifying a beneficial owner is more than collecting a name; it requires understanding who actually exercises control and keeping evidence, structure and subsequent changes coherent.

FOJ · Transparency register ↗ · FOJ · 12.06.2026 ↗

When even a familiar voice is no longer enough

Impersonation, consistent messages, synthetic voice, urgency and authority can create a convincing appearance. The useful question is which independent verification prevents appearance from becoming authorisation.

When a contract and invoice still do not explain the payment

The real case tests economic substance, the parties' roles, delivery and flow coherence: documents being present does not automatically mean the rationale has been verified.

When the company network becomes part of the evidence

Companies, accounts and counterparties need to be read as a network when they repeat functions and movements without a coherent operational explanation.

Foreign companies and shell companies: which structure can actually be evidenced?

Real activity, control and flows: reconcile two chains without confusing an overseas address, country lists and evidence of wrongdoing.

DAC6, DAC8 and DAC9: more tax data, but what changes for AML?

Three different tax transparency instruments and one operational question: how to reconcile entities, activity and evidence without confusing tax reporting with AML duties.

AI vs AI: who decides when evidence can be synthetic?

Deepfakes and automated analytics change both sides of financial crime. Independent corroboration, context and accountable decisions make the difference.

AMLA, October 2026: from final drafts to operational readiness

Three RTS finalised on 1 October make CDD, occasional transactions and group-wide requirements more concrete. What changed, what remains open and what to check now.

AML record-keeping: reconstructable documents, data and decisions

Record-keeping is not simply storing files. Reviews, updates and the rationale behind AML decisions must remain reconstructable over time.

AMLA will not directly supervise everyone: what changes for the others?

The selection of 40 financial entities does not define AMLA’s full impact. Direct supervision, coordination and technical standards must be distinguished.

Professional firms and AMLR: where useful work really begins

For firms handling complex clients and transactions, value does not come from a longer checklist. It comes from connecting scope, risk, ownership and decision-making.

AMLA: structure, mandate and impact on the European system

What the new Frankfurt authority is, whom it will supervise and why it will also affect operators outside direct supervision.

AMLR: preparing for 10 July 2027

A directly applicable regulation brings more uniform rules. Readiness, however, requires much more than a formal policy update.

The risk-based approach in payment institutions

Connecting product, customer, channel, geography and transaction risk without turning the model into a theoretical exercise.

Due diligence: not just documents, but traceable decisions

Identification, beneficial ownership, purpose and ongoing monitoring must converge in a decision that is understandable and demonstrable.

The FATF Recommendations: from principle to control

International standards define the architecture. Value appears when they are translated into accountability and verifiable controls.

Red flags: from signal to decision

An anomaly indicator is not evidence of money laundering. It is the starting point for timely, proportionate and documented analysis.

Suspicious transaction reports: logic, quality and timeliness

Reporting is not the final step of a checklist. It requires reasoned suspicion, useful information and an effective escalation process.

AML enforcement: accountability, evidence and prevention

Consequences do not arise only from a missing policy. Delays, ineffective controls and decisions that cannot be demonstrated may expose organisations and individuals.

Beneficial ownership: identifying the person behind the structure

Ownership percentages, control and substantive interests must be read together. A register is a source, not a substitute for assessment.

Document retention: building a useful audit trail

Timestamp, versions, overrides and approvals: reconstruct the sequence behind an AML decision, rather than just collecting its files.

MiCA, TFR and AML risk in crypto markets

European regulation strengthens the perimeter, but speed, self-hosted addresses and cross-border activity require substantive controls.

Deepfakes and remote onboarding: when document, face and video are not enough

An identity can look coherent and still be false. A useful control does not only hunt for deepfakes: it connects identity, independent evidence, context and behaviour before the decision.

Voice cloning and false authority: what the Fideuram case teaches

When voice, authority and urgency all look authentic, the decisive control is not spotting AI: it is independently verifying the instruction before the action becomes irreversible.