Considered answers to common questions.

An AML Governance Review is an independent assessment of your firm's anti-money laundering framework, governance arrangements, policies and operational controls. We assess how your framework operates in practice, identify gaps against current regulatory expectations and provide practical recommendations to strengthen your controls before they become regulatory findings.

Internal reviews are valuable, but they are naturally influenced by existing processes and resource constraints. Claritas Risk provides an independent assessment led by a senior AML practitioner with experience gained inside leading international financial institutions. Our focus is on what regulators are likely to examine and how your framework performs in practice, not simply whether policies exist.

We support smaller regulated financial institutions including Payment Institutions, Electronic Money Institutions, Investment Firms, Wealth Managers, Asset Managers, FinTechs, Crypto Asset Service Providers, Family Offices and Corporate Service Providers.

Compliance is rarely a simple yes or no. We assess how well your controls align with current regulatory expectations, identify strengths and weaknesses, prioritise risks and recommend practical improvements that are proportionate to your business.

You receive a detailed report explaining our findings, the associated risks and clear recommendations. Where required, we also support remediation planning, implementation guidance and follow-up independent assurance.

The new European AML framework represents one of the most significant changes to anti-money laundering regulation in decades. Preparing early enables firms to identify governance and control gaps, strengthen financial crime controls and implement improvements before supervisory expectations increase.

We provide an independent assessment of your existing framework while considering the direction of the new European AML regime. The result is a practical roadmap that helps strengthen governance, customer due diligence, transaction monitoring and financial crime oversight.

Yes. The most effective time to identify weaknesses is before a regulator does. Early preparation gives organisations time to strengthen controls without the pressure of a live supervisory inspection.

Regulators commonly focus on governance, enterprise-wide risk assessments, customer due diligence, beneficial ownership, transaction monitoring, suspicious activity reporting, record keeping, staff training and senior management accountability.

Yes. Our readiness engagements simulate the areas regulators typically examine and provide an independent perspective on where your organisation is well prepared and where improvements should be prioritised.

KYC remediation is the structured process of reviewing existing customer files, identifying missing or outdated information and bringing documentation into line with current regulatory expectations. This may include customer due diligence, beneficial ownership, source of funds, source of wealth and customer risk assessments.

Remediation is commonly undertaken following regulatory findings, Internal Audit reviews, mergers and acquisitions, changes in legislation, updates to risk methodologies or where historic customer files no longer meet current standards.

Yes. Most organisations adopt a risk-based approach, prioritising higher-risk customers before progressing through medium and lower-risk populations. Claritas Risk helps design practical, proportionate remediation programmes aligned to available resources.

Both, depending on what you need. We can take a strategic oversight role, run programme governance, sit on top of quality assurance, or work alongside your compliance team to support delivery. We shape the role around the programme, not the other way round.

Yes. Most engagements can be delivered remotely, although on-site work can be arranged where appropriate.

Every engagement is different. Following an initial discussion we provide a clear proposal outlining scope, deliverables, timescales and expected outcomes.

Absolutely. We understand the sensitive nature of financial crime governance and treat all client information with the highest level of confidentiality.

Yes. Many organisations ask us to help prioritise recommendations, support remediation programmes, review updated documentation or provide follow-up independent assurance.

Every engagement is led by the same experienced AML practitioner, more than twenty years gained inside Deutsche Bank, BNP Paribas and Morgan Stanley. The advice is shaped by what has actually worked inside large international banks, not by a generic methodology.

The establishment of AMLA represents a significant step towards more consistent supervision across the European Union. Firms should review governance arrangements, enterprise-wide risk assessments, customer due diligence, transaction monitoring, suspicious activity reporting and training programmes to ensure they are aligned with evolving regulatory expectations. Preparing early enables organisations to implement improvements in a controlled, proportionate and well-documented manner.