Anti-Money Laundering

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to your business.</span></p> </div> <div class="button-wrapper d-flex col align-items-center flex-column flex-md-row mt-1"> <a class="button button-primary h5 mobile me-md-5 fl-onfido-btn-1-text mb-0 mb-md-3" href="https://onfido.com/signup/" target="_self" > Get in touch </a> <a class="cta-button mb-0 mb-md-3" href="https://onfido.com/solutions/verification-suite/" target="_self" > Explore Verification Suite </a> </div> </div> </div> </div> </div> </div> </div> </div> </div> <div class="fl-module fl-module-onfido-headline fl-node-5pq2fsyb703l" data-node="5pq2fsyb703l"> <div class="fl-module-content fl-node-content"> <div class="mt-5 mb-0"> <div class="bg-blue-10 bg-top"> <div class="container "> <div class="row d-md-flex align-items-md-end"> <div class="col-12 col-md-8"> <div class="headline"> <div class="eyebrow"> <span class="fl-onfido-eyebrow">Automated AML solution</span> </div> <h2 class="h2 highlighted-span fl-onfido-heading mb-0"> Fast and accurate <span>identity verification for AML </h2> <div class="fl-onfido-text fs-body1 mt-3"> <p><span style="font-weight: 400;">Ensure your regulated business can navigate global AML compliance regulations without impacting user experience.</span></p> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> <div class="fl-row fl-row-full-width fl-row-bg-none fl-node-qcot8fsh913w fl-row-default-height fl-row-align-center" data-node="qcot8fsh913w"> <div class="fl-row-content-wrap"> <div class="fl-row-content fl-row-full-width fl-node-content"> <div class="fl-col-group fl-node-ncjma1x0pvet" data-node="ncjma1x0pvet"> <div class="fl-col fl-node-c7aonvex30fr fl-col-bg-color" data-node="c7aonvex30fr"> <div class="fl-col-content fl-node-content"><div class="fl-module fl-module-onfido-media fl-node-6f81dci0wgs5" data-node="6f81dci0wgs5"> <div class="fl-module-content fl-node-content"> <div class=""> <div class="bg-blue-10"> <div class="container media-container left-media pt-5 pb-5"> <div class="row flex-column-reverse flex-lg-row justify-content-lg-between left-media-reversed"> <div class="col-lg-6 col-xl-5 col d-flex flex-column justify-content-center px-0"> <div class="px-md-0 d-flex flex-column justify-content-center pt-5 pt-lg-0"> <div class="h6 eyebrow"> <span class="fl-onfido-eyebrow">AML automation</span> </div> <div> <h2 class="h3 mb-3 highlighted-span reverse-mobile ps-0 fl-onfido-heading"> Automate identity verification </h2> <div class="mb-4 col-12 col-md-11 ps-0 fs-body1 fl-onfido-text"> <p><span style="font-weight: 400;">Verify customer identity with our global suite of products to automate AML processes and meet compliance requirements like sanctions screening and ongoing monitoring.</span></p> </div> </div> <a class="cta-button" href="https://onfido.com/video/state-of-financial-crime-webinar/" target="_self" > Fraud’s impact on AML compliance </a> </div> </div> <div class="col-lg-5 col-12 d-flex align-items-center px-0 justify-content-end" style=""> <div class="base-media-container"> <img alt="Automate identity verification" decoding="async" width="916" height="916" class="media wp-image-1509" loading="lazy" src="https://onfido.com/wp-content/uploads/2022/10/aml-media-secondary-Automate-identity-verification.png" srcset="https://onfido.com/wp-content/uploads/2022/10/aml-media-secondary-Automate-identity-verification.png 916w, https://onfido.com/wp-content/uploads/2022/10/aml-media-secondary-Automate-identity-verification-300x300.png 300w, https://onfido.com/wp-content/uploads/2022/10/aml-media-secondary-Automate-identity-verification-150x150.png 150w, https://onfido.com/wp-content/uploads/2022/10/aml-media-secondary-Automate-identity-verification-768x768.png 768w" sizes="auto, (max-width: 916px) 100vw, 916px" /> </div> </div> </div> </div> </div> </div> </div> </div> <div class="fl-module fl-module-onfido-media fl-node-hm5zkoxr7cbe" data-node="hm5zkoxr7cbe"> <div class="fl-module-content fl-node-content"> <div class=""> <div class="bg-blue-10"> <div class="container media-container pt-5 pb-5"> <div class="row flex-column-reverse flex-lg-row justify-content-lg-between left-media-reversed"> <div class="col-lg-6 col-xl-5 col d-flex flex-column justify-content-center px-0"> <div class="px-md-0 d-flex flex-column justify-content-center pt-5 pt-lg-0"> <div class="h6 eyebrow"> <span class="fl-onfido-eyebrow">Global AML</span> </div> <div> <h2 class="h3 mb-3 highlighted-span reverse-mobile ps-0 fl-onfido-heading"> Global coverage for anti-money laundering </h2> <div class="mb-4 col-12 col-md-11 ps-0 fs-body1 fl-onfido-text"> <p>Meet AML needs globally and expand wherever you need to do business. Our verifications cover 195 countries and support more than 2,500 documents around the world, so you can meet requirements as you grow.</p> </div> </div> <a class="cta-button" href="https://onfido.com/supported-documents/" target="_self" > Supported documents </a> </div> </div> <div class="col-lg-5 col-12 d-flex align-items-center px-0 justify-content-start" style=""> <div class="base-media-container"> <img alt="Global compliance image" decoding="async" width="1214" height="1110" class="media wp-image-1490" loading="lazy" src="https://onfido.com/wp-content/uploads/2022/10/user-onboarding-media-secondary-navigate-global-compliance-1.png" srcset="https://onfido.com/wp-content/uploads/2022/10/user-onboarding-media-secondary-navigate-global-compliance-1.png 1214w, https://onfido.com/wp-content/uploads/2022/10/user-onboarding-media-secondary-navigate-global-compliance-1-300x274.png 300w, https://onfido.com/wp-content/uploads/2022/10/user-onboarding-media-secondary-navigate-global-compliance-1-1024x936.png 1024w, https://onfido.com/wp-content/uploads/2022/10/user-onboarding-media-secondary-navigate-global-compliance-1-768x702.png 768w" sizes="auto, (max-width: 1214px) 100vw, 1214px" /> </div> </div> </div> </div> </div> </div> </div> </div> <div class="fl-module fl-module-onfido-media fl-node-5e8hnywdu3i4" data-node="5e8hnywdu3i4"> <div class="fl-module-content fl-node-content"> <div class=""> <div class="bg-blue-10 bg-bottom"> <div class="container media-container left-media pt-5 pb-5"> <div class="row flex-column-reverse flex-lg-row justify-content-lg-between left-media-reversed"> <div class="col-lg-6 col-xl-5 col d-flex flex-column justify-content-center px-0"> <div class="px-md-0 d-flex flex-column justify-content-center pt-5 pt-lg-0"> <div class="h6 eyebrow"> <span class="fl-onfido-eyebrow">AML orchestration</span> </div> <div> <h2 class="h3 mb-3 highlighted-span reverse-mobile ps-0 fl-onfido-heading"> Orchestrate AML verifications </h2> <div class="mb-4 col-12 col-md-11 ps-0 fs-body1 fl-onfido-text"> <p><span style="font-weight: 400;">Your business is not one-size-fits-all, so your identity verification shouldn’t be, either. Create workflows for different customer journeys in Onfido Studio that are tailored for user and market needs.</span></p> </div> </div> <a class="cta-button" href="https://onfido.com/solutions/studio/" target="_self" > Onfido Studio </a> </div> </div> <div class="col-lg-5 col-12 d-flex align-items-center px-0 justify-content-end" style=""> <div class="base-media-container"> <img alt="Orchestrate AML" decoding="async" width="916" height="916" class="media wp-image-1510" loading="lazy" src="https://onfido.com/wp-content/uploads/2022/10/aml-media-secondary-orchestrate-AML.png" srcset="https://onfido.com/wp-content/uploads/2022/10/aml-media-secondary-orchestrate-AML.png 916w, https://onfido.com/wp-content/uploads/2022/10/aml-media-secondary-orchestrate-AML-300x300.png 300w, https://onfido.com/wp-content/uploads/2022/10/aml-media-secondary-orchestrate-AML-150x150.png 150w, https://onfido.com/wp-content/uploads/2022/10/aml-media-secondary-orchestrate-AML-768x768.png 768w" sizes="auto, (max-width: 916px) 100vw, 916px" /> </div> </div> </div> </div> </div> </div> </div> </div> <div class="fl-module fl-module-onfido-feature-tabs fl-node-8j3bsxmhyngq" data-node="8j3bsxmhyngq"> <div class="fl-module-content fl-node-content"> <div class=""> <div class=""> <div class="container pt-5 pb-5"> <div class="industry-tabs" tabindex="0" aria-label="Feature tabs"> <h2 class="h2 fl-onfido-heading"> Discover Onfido for AML </h2> <div class="row mx-0 industry-tabs-controls" role="tablist" tabindex="0"> <div tabindex="0" role="tab" class="col-auto industry-tab tab active" aria-selected='true'> Document Verification </div> <div tabindex="0" role="tab" class="col-auto industry-tab tab " aria-selected='false'> Biometric Verification </div> <div tabindex="0" role="tab" class="col-auto industry-tab tab " aria-selected='false'> ID record </div> <div tabindex="0" role="tab" class="col-auto industry-tab tab " aria-selected='false'> Watchlist and ongoing monitoring </div> </div> <div class="industry-tabs-panels"> <div class="row pt-36 align-items-center flex-column-reverse flex-lg-row tab-panel active" role="tabpanel" tabindex="0"> <div class="col-12 col-lg-5"> <img alt="Person taking an image of an ID on a phone" decoding="async" width="916" height="916" class="wp-image-1218 img-fluid br-20" loading="lazy" src="https://onfido.com/wp-content/uploads/2022/10/kyc_features-tabs_document-verification.png" srcset="https://onfido.com/wp-content/uploads/2022/10/kyc_features-tabs_document-verification.png 916w, https://onfido.com/wp-content/uploads/2022/10/kyc_features-tabs_document-verification-300x300.png 300w, https://onfido.com/wp-content/uploads/2022/10/kyc_features-tabs_document-verification-150x150.png 150w, https://onfido.com/wp-content/uploads/2022/10/kyc_features-tabs_document-verification-768x768.png 768w" sizes="auto, (max-width: 916px) 100vw, 916px" /> </div> <div class="col-12 col-lg-7 ps-lg-64 space" tabindex="0"> <h3 class="h3 mb-4"> Document Verification </h3> <div class="fs-body1"> <p>Verify customer IDs in seconds with low-friction, fast, and accurate document verification. Onboard customers wherever they are — we support 2,500+ documents worldwide.</p> </div> <a class="cta-button mt-4 mb-32 mb-lg-0" href="https://onfido.com/solutions/document-verification/" target="_self" > Explore Document Verification </a> </div> </div> <div class="row pt-36 align-items-center flex-column-reverse flex-lg-row tab-panel " role="tabpanel" tabindex="0"> <div class="col-12 col-lg-5"> <img alt="Biometric Verification image" decoding="async" width="916" height="916" class="wp-image-1474 img-fluid br-20" loading="lazy" src="https://onfido.com/wp-content/uploads/2022/10/ecommerce_features-tabs_biometric-verification-1.png" srcset="https://onfido.com/wp-content/uploads/2022/10/ecommerce_features-tabs_biometric-verification-1.png 916w, https://onfido.com/wp-content/uploads/2022/10/ecommerce_features-tabs_biometric-verification-1-300x300.png 300w, https://onfido.com/wp-content/uploads/2022/10/ecommerce_features-tabs_biometric-verification-1-150x150.png 150w, https://onfido.com/wp-content/uploads/2022/10/ecommerce_features-tabs_biometric-verification-1-768x768.png 768w" sizes="auto, (max-width: 916px) 100vw, 916px" /> </div> <div class="col-12 col-lg-7 ps-lg-64 space" tabindex="0"> <h3 class="h3 mb-4"> Biometric Verification </h3> <div class="fs-body1"> <p>Combine with document verification to protect against stolen IDs. After submitting a photo of their ID, customers snap a selfie or simply turn their head. Our technology matches the photo on the ID to their facial biometrics.</p> </div> <a class="cta-button mt-4 mb-32 mb-lg-0" href="https://onfido.com/solutions/biometric-verification/" target="_self" > Explore Biometric Verification </a> </div> </div> <div class="row pt-36 align-items-center flex-column-reverse flex-lg-row tab-panel " role="tabpanel" tabindex="0"> <div class="col-12 col-lg-5"> <img alt="Screenshot of ID Record" decoding="async" width="1440" height="1124" class="wp-image-1058 img-fluid br-20" loading="lazy" src="https://onfido.com/wp-content/uploads/2022/10/ID-Record_Header.png" srcset="https://onfido.com/wp-content/uploads/2022/10/ID-Record_Header.png 1440w, https://onfido.com/wp-content/uploads/2022/10/ID-Record_Header-300x234.png 300w, https://onfido.com/wp-content/uploads/2022/10/ID-Record_Header-1024x799.png 1024w, https://onfido.com/wp-content/uploads/2022/10/ID-Record_Header-768x599.png 768w" sizes="auto, (max-width: 1440px) 100vw, 1440px" /> </div> <div class="col-12 col-lg-7 ps-lg-64 space" tabindex="0"> <h3 class="h3 mb-4"> ID record </h3> <div class="fs-body1"> <p>Validate user information against comprehensive databases in seconds, so you can fulfil AML requirements globally.</p> </div> <a class="cta-button mt-4 mb-32 mb-lg-0" href="https://onfido.com/solutions/id-record/" target="_self" > Explore ID record </a> </div> </div> <div class="row pt-36 align-items-center flex-column-reverse flex-lg-row tab-panel " role="tabpanel" tabindex="0"> <div class="col-12 col-lg-5"> <img alt="screenshot of male verified" decoding="async" width="1440" height="1124" class="wp-image-1066 img-fluid br-20" loading="lazy" src="https://onfido.com/wp-content/uploads/2022/10/Watchlist_Header.png" srcset="https://onfido.com/wp-content/uploads/2022/10/Watchlist_Header.png 1440w, https://onfido.com/wp-content/uploads/2022/10/Watchlist_Header-300x234.png 300w, https://onfido.com/wp-content/uploads/2022/10/Watchlist_Header-1024x799.png 1024w, https://onfido.com/wp-content/uploads/2022/10/Watchlist_Header-768x599.png 768w" sizes="auto, (max-width: 1440px) 100vw, 1440px" /> </div> <div class="col-12 col-lg-7 ps-lg-64 space" tabindex="0"> <h3 class="h3 mb-4"> Watchlist and ongoing monitoring </h3> <div class="fs-body1"> <p>Choose which sanctions lists, adverse media categories and PEP lists to search to avoid noncompliance fines and damage. Our real-time model dynamically updates our risk database for sanctions, watchlists, and PEPs. So we never make judgments on data more than 24 hours old.</p> </div> <a class="cta-button mt-4 mb-32 mb-lg-0" href="https://onfido.com/solutions/watchlist/" target="_self" > Explore watchlist and ongoing monitoring </a> </div> </div> </div> </div> </div> </div> </div> </div> </div> <div class="fl-module fl-module-onfido-testimonials-carousel fl-node-v5mlwphedf8g" data-node="v5mlwphedf8g"> <div class="fl-module-content fl-node-content"> <div class=""> <div class="">  <div class="main-container-carousel quotes-carousel-ref fix-paddings container bg-testimonial bg-testimonial-carousel my-4" tabindex="0" aria-label="Quote carousel control group"> <div class="quotes-carousel-spacing"> <svg class="bg-shape" viewBox="0 0 904 852" fill="none" xmlns="http://www.w3.org/2000/svg"><path fill-rule="evenodd" clip-rule="evenodd" d="M413.096 842.716c-34.542-13.914-68.041-29.919-100.292-47.917-46.75-25.928-90.523-56.239-130.683-90.494l-16.344-13.901c-46.769-41.584-87.492-88.853-121.173-140.648a1030.734 1030.734 0 0 1-30.721-48.642A102.752 102.752 0 0 1 .258 452.968c-.513-16.954 3.14-33.923 10.67-49.579 15.913-33 33.997-65.081 54.143-96.048 29.056-45.016 62.588-87.397 100.121-126.545l17.342-18.089 3.054-3.186a8.632 8.632 0 0 1 1.855-1.934c55.627-53.064 118.635-98.694 187.161-135.544l12.337-6.236A124.903 124.903 0 0 1 438.13 1.135c17.895-1.148 35.691 1.608 52.007 8.054 11.373 4.716 22.52 9.447 33.566 14.504 11.046 5.058 28.857 12.564 45.811 21.407 40.722 21.275 79.317 45.878 115.361 73.539a751.764 751.764 0 0 1 36.004 28.763l18.678 15.886c.996.95 2.048 1.845 3.152 2.681l1.635 1.39c54.354 49.908 100.585 107.173 137.282 170.047a1419.4 1419.4 0 0 1 8.293 13.456 102.185 102.185 0 0 1 13.724 48.074c.532 16.94-3.118 33.899-10.662 49.537-15.829 33.062-33.835 65.209-53.909 96.246l-7.84 11.714-2.252 3.455-1.636 1.706c-26.208 39.048-56.225 75.763-89.64 109.643l-20.395 21.275c-49.942 48.037-105.923 90.089-166.6 125.149-10.974 6.363-22.174 12.74-33.608 18.919a124.9 124.9 0 0 1-51.653 14.62c-18.048 1.065-35.969-1.839-52.352-8.484Z"/></svg> <div class="quotes-carousel-wrapper">  <div class="mySwiper carousel-wrapper quotes-carousel d-flex flex-column align-items-center justify-content-center">  <div class="swiper-wrapper">  <div class="swiper-slide single-quote-wrapper"> <div class="quote-carousel-container d-flex flex-column flex-lg-row align-items-center justify-content-between"> <div class="quote-media-container d-flex align-items-center justify-content-end col col-lg-4"> <img decoding="async" class="wp-image-5784 quote-img" loading="lazy" src="https://onfido.com/wp-content/uploads/2023/03/logo-soft2bet300x185.svg" width="300" height="150" alt="Soft2Bet" > </div> <div class="quote-carousel-content col-lg-5 offset-lg-2" tabindex="0"> <h2 class="quote-content-description quote-mark">The partnership provides the identity verification technology and expertise we need to deliver an industry-leading offering. It enables us to automate many of our KYC processes and integrating it into our existing technology is proving to be seamless, making onboarding much smoother for our customers.</h2> <h3 class="quote-content-name pb-2"> Boris Chaikin, CEO, Soft2Bet </h3> </div> <div class="col-1"></div> </div> </div> <div class="swiper-slide single-quote-wrapper"> <div class="quote-carousel-container d-flex flex-column flex-lg-row align-items-center justify-content-between"> <div class="quote-media-container d-flex align-items-center justify-content-end col col-lg-4"> <img decoding="async" class="wp-image-5774 quote-img" loading="lazy" src="https://onfido.com/wp-content/uploads/2023/03/logo-revolut300x185.svg" width="300" height="150" alt="Revolut logo" > </div> <div class="quote-carousel-content col-lg-5 offset-lg-2" tabindex="0"> <h2 class="quote-content-description quote-mark">Onfido have really aligned with our priorities, working with us to achieve our desired delivery by rapidly responding and iterating on their offering. Direct contact between our engineering teams has fostered a mutually beneficial partnership — identifying problems early, collaborating on solutions and improving the overall integration.</h2> <h3 class="quote-content-name pb-2"> Lewis Tuff, Lead Platform Engineer, Revolut </h3> <a class="cta-button mt-4" href="https://onfido.com/customer/revolut/" target="_self" > Read Revolut case study </a> </div> <div class="col-1"></div> </div> </div> <div class="swiper-slide single-quote-wrapper"> <div class="quote-carousel-container d-flex flex-column flex-lg-row align-items-center justify-content-between"> <div class="quote-media-container d-flex align-items-center justify-content-end col col-lg-4"> <img decoding="async" class="wp-image-5772 quote-img" loading="lazy" src="https://onfido.com/wp-content/uploads/2023/03/logo-remitly300x185.svg" width="300" height="150" alt="Remitly logo" > </div> <div class="quote-carousel-content col-lg-5 offset-lg-2" tabindex="0"> <h2 class="quote-content-description quote-mark">Onfido consistently delivers higher pass rates than any other provider — and they’re able to do this without compromising on speed or security. This has helped significantly reduce the cost of manual review as we onboard more new, global users to our platform.</h2> <h3 class="quote-content-name pb-2"> Nate Spanier, VP Global Payments and Expansion, Remitly </h3> </div> <div class="col-1"></div> </div> </div> </div>  <div class="custom-scrollbar custom-scrollbar-quotes"></div> </div>  <div class="swiper-btn-container position-absolute w-100 flex-row d-inline-flex align-items-center justify-content-between">  <div class="swiper-prev swiper-button-disabled custom-swiper-prev-quotes"> <svg class="button-stroke" style="transform: rotateY(180deg); margin-right: 3px" width="11" height="18" viewBox="0 0 11 18" fill="none" xmlns="http://www.w3.org/2000/svg" > <path d="M1 1L9 9L1 17" stroke="white" stroke-width="1.6" stroke-linecap="round" /> </svg> </div>  <div class="swiper-next swiper-button-disabled custom-swiper-next-quotes"> <svg class="button-stroke" style="margin-left: 3px" width="11" height="18" viewBox="0 0 11 18" fill="none" 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href="https://onfido.com/customer/" target="_self" > View all customer stories </a> </div> </div> </div> </div> </div> </div> </div> <div class="fl-module fl-module-onfido-headline fl-node-13e5c4tgw9y7" data-node="13e5c4tgw9y7"> <div class="fl-module-content fl-node-content"> <div class="mt-5 mb-0"> <div class=""> <div class="container "> <div class="row d-md-flex align-items-md-end"> <div class="col-12 col-md-8"> <div class="headline"> <h2 class="h2 highlighted-span fl-onfido-heading mb-0"> Why choose Onfido for AML? </h2> <div class="fl-onfido-text fs-body1 mt-3"> <p><span style="font-weight: 400;">Our solution verifies a customer’s identity in seconds so you can satisfy compliance requirements, monitor customers against watchlists, and protect against fraud.</span></p> </div> </div> </div> </div> </div> </div> </div> </div> </div> <div class="fl-module fl-module-onfido-media-large fl-node-qvus37lo21d4" data-node="qvus37lo21d4"> <div class="fl-module-content fl-node-content"> <div 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href="https://onfido.com/report/forrester-total-economic-impact-study/" target="_self" > <div class="card-media-container mb-4 br-20"> <img alt="Forrester report" decoding="async" width="720" height="460" class="wp-image-1206 img-fluid" loading="lazy" src="https://onfido.com/wp-content/uploads/2022/10/marketplaces-and-communities_cards-3_economic-impact.png" srcset="https://onfido.com/wp-content/uploads/2022/10/marketplaces-and-communities_cards-3_economic-impact.png 720w, https://onfido.com/wp-content/uploads/2022/10/marketplaces-and-communities_cards-3_economic-impact-300x192.png 300w" sizes="auto, (max-width: 720px) 100vw, 720px" /> </div> <div class="position-relative"> </div> <div class="row mb-0 mb-lg-2 space card-content-container"> <h3 class="h4 card-item__heading">The Total Economic Impact™ of Onfido</h3> <div class="col-12 col-lg-10 fs-body1"><p>Forrester Consulting quantified the real business benefits delivered by Onfido.</p> </div> </div> <span class="cta-button"> Read report </span> </a> </div> </div> </div>  <div class="custom-scrollbar mt-4"> <div class="custom-drag"></div> </div> </div> </div> </div> </div> </div> </div> </div> </div> <div class="fl-col-group fl-node-ntkpghxaw4ed" data-node="ntkpghxaw4ed"> <div class="fl-col fl-node-ruybfi2gdv6k fl-col-bg-color" data-node="ruybfi2gdv6k"> <div class="fl-col-content fl-node-content"><div class="fl-module fl-module-onfido-faqs fl-node-usb9vp7nkd2g" data-node="usb9vp7nkd2g"> <div class="fl-module-content fl-node-content"> <div class=""> <div class=""> <div class="container space"> <div class="row m-0 flex-column align-items-center py-96 faq-accordion-container" aria-label="Accordion Control Group Buttons" tabindex="0"> <h2 class="col-auto mb-64 p-0"> <span class="h3">Anti-money laundering (AML) FAQs</span> </h2> <div class="faq py-4 col col-12 col-lg-8 px-0"> <button class="accordion h4" aria-haspopup="true" aria-expanded="false" tabindex="-1"> <span id="tab-title-dimensions_tab" tabindex="0"><h2 class="h5">What is anti-money laundering?</h2></span> <div class="circle-animation closed"> <div class="horizontal"></div> <div class="vertical"></div> </div> </button> <div class="panel fs-body1" tabindex="0"> <p>Anti-money laundering refers to laws, regulations, tools and processes that make it harder for criminals to hide the origin of illegally obtained funds acquired through crimes ranging from drug trafficking, tax evasion, fraud, terrorist financing or major corruption schemes. Since the criminals need to move the money through financial institutions or legitimate businesses to hide the illegal origin, those businesses must monitor and report suspicious transactions. Regulated businesses face steep fines and other consequences for not complying with AML regulations. To meet AML requirements, financial institutions must undergo sophisticated monitoring and money laundering risk assessment to detect suspicious transactions of customers. They do this through conducting KYC and AML processes.</p> </div> </div> <div class="faq py-4 col col-12 col-lg-8 px-0"> <button class="accordion h4" aria-haspopup="true" aria-expanded="false" tabindex="-1"> <span id="tab-title-dimensions_tab" tabindex="0"><h2 class="h5">What are the 3 stages of money laundering?</h2></span> <div class="circle-animation closed"> <div class="horizontal"></div> <div class="vertical"></div> </div> </button> <div class="panel fs-body1" tabindex="0"> <p><span style="font-weight: 400;">According to the United Nation Office on Drugs and Crime, money is typically laundered in three stages before finally being released into the legal financial system: placement (moving the funds away from direct association with the crime), layering (transactions meant to conceal the trail to avoid detection), and integration (making the money available to the criminal from what seem to be legitimate sources, like luxury purchases or investments).</span></p> </div> </div> <div class="faq py-4 col col-12 col-lg-8 px-0"> <button class="accordion h4" aria-haspopup="true" aria-expanded="false" tabindex="-1"> <span id="tab-title-dimensions_tab" tabindex="0"><h2 class="h5">Why is it important for organizations to adopt anti-money laundering strategies?</h2></span> <div class="circle-animation closed"> <div class="horizontal"></div> <div class="vertical"></div> </div> </button> <div class="panel fs-body1" tabindex="0"> <p><span style="font-weight: 400;">To understand the importance of AML, start by asking yourself this question — can your business afford to lose a large sum of money, like $160 million?</span></p> <p><span style="font-weight: 400;">That’s </span><a href="https://www.justice.gov/sites/default/files/usao-sdfl/legacy/2012/12/31/100317-02.Statement.pdf" target="_blank" rel="noopener"><span style="font-weight: 400;">what happened</span></a><span style="font-weight: 400;"> to Wachovia Bank (now a part of Wells Fargo) around 2007. They had to pay federal authorities $110 million in forfeitures — plus another $50 million in fines — for failing to catch funds used to smuggle massive amounts of narcotics into the U.S. </span></p> <p><span style="font-weight: 400;">Let’s back up to what sparked this scheme — the mutual benefits to both Mexican drug traffickers and currency exchange houses. The currency exchange houses have a “</span><a href="https://www.justice.gov/sites/default/files/usao-sdfl/legacy/2012/12/31/100317-02.Statement.pdf" target="_blank" rel="noopener"><span style="font-weight: 400;">significant need</span></a><span style="font-weight: 400;">” for U.S. dollars to trade for pesos in their ordinary course of business. They are also </span><i><span style="font-weight: 400;">not</span></i><span style="font-weight: 400;"> banks, meaning they cannot hold deposits or maintain accounts. Their central purpose is to exchange the value of one currency for another.</span></p> <p><span style="font-weight: 400;">Drug traffickers have serious quantities of dirty cash to clean. They would bring large amounts of U.S. dollars to these currency exchange houses, which the houses happily accepted and then exchanged or wired internationally. These nefarious activities did not go unnoticed, and prominent AML stakeholders and regulators began pointing out the potential for money laundering through currency exchange houses in the early 90s. Unfortunately, Wachovia Bank did not properly heed these warnings.</span></p> <p><span style="font-weight: 400;">From 2005 to 2007, Wachovia had 22 Mexican currency exchange houses as clients. These clients received the same services as everyone else—international wiring, bulk cash collection and transportation to the U.S., and remote check deposits. Due to numerous failures in Wachovia’s AML program, they missed $110 million in illegally acquired proceeds. Not only that, but they also didn’t conduct proper surveillance of over $40 billion for a two-year period.</span></p> <h2 class="h5"><b>What are the AML requirements</b><b> that Wachovia missed?</b></h2> <p><a href="https://www.justice.gov/sites/default/files/usao-sdfl/legacy/2012/12/31/100317-02.Statement.pdf" target="_blank" rel="noopener"><span style="font-weight: 400;">Investigators</span></a><span style="font-weight: 400;"> noted several areas of negligence in Wachovia’s AML program, including:</span></p> <ul> <li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">Lacking procedures and policies to monitor the return of U.S. dollars to the U.S. economy from high-risk currency exchange houses.</span></li> <li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">Failing to monitor over $40 billion in remote deposits alone from international correspondents.</span></li> <li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">Not conducting sufficient due diligence with high-risk currency exchange houses.</span></li> <li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">Failing to fulfill suspicious activity reporting obligations due to a lack of adequate monitoring.</span></li> <li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">Not having limits for consecutively ordered traveler’s checks for high-risk currency exchange houses.</span></li> <li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">Failing to catch and report $373 billion that currency exchange houses wired through Wachovia.</span></li> <li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">Not implementing functional coverage for AML auditing.</span></li> </ul> <p><span style="font-weight: 400;">This occurrence is sadly only one of the many </span><span style="font-weight: 400;">real-life examples of money laundering</span><span style="font-weight: 400;"> out there. The federal prosecutor, Jeffrey Sloman, summed up the whole mess: "Wachovia's blatant disregard for our banking laws gave international cocaine cartels a virtual carte blanche to finance their operations. Corporate citizens, no matter how big or powerful, must be held accountable for their actions.”</span></p> </div> </div> <div class="faq py-4 col col-12 col-lg-8 px-0"> <button class="accordion h4" aria-haspopup="true" aria-expanded="false" tabindex="-1"> <span id="tab-title-dimensions_tab" tabindex="0"><h2 class="h5">What is the importance of anti-money laundering?</h2></span> <div class="circle-animation closed"> <div class="horizontal"></div> <div class="vertical"></div> </div> </button> <div class="panel fs-body1" tabindex="0"> <p><span style="font-weight: 400;">Failure to comply with anti-money laundering regulations can result in heavy AML sanctions and fines, so it’s in the interest of financial institutions to make AML regulations a top priority. The UNODC estimates that the amount of money laundered globally in one year is 2% to 5% of global GDP, or between $800 billion to $2 trillion. Money laundering is by definition associated with criminal activities, which can range from illegal arms sales, terrorist financing, smuggling, corruption, insider trading, fraud, and cybercrimes. There are many reasons that AML is important, ranging from business protections to moral responsibility.</span></p> </div> </div> <div class="faq py-4 col col-12 col-lg-8 px-0"> <button class="accordion h4" aria-haspopup="true" aria-expanded="false" tabindex="-1"> <span id="tab-title-dimensions_tab" tabindex="0"><h2 class="h5">What are the steps for anti-money laundering compliance?</h2></span> <div class="circle-animation closed"> <div class="horizontal"></div> <div class="vertical"></div> </div> </button> <div class="panel fs-body1" tabindex="0"> <p><span style="font-weight: 400;">Follow KYC measures. AML compliance starts with knowing who your customer is by performing identity verification. This includes verifying the personal information details the user provides with an ID Record check, or proof of address. KYC also checks that funds are from a legal and legitimate source. Undertake the necessary customer due diligence processes. Customers who are considered higher risk require more thorough due diligence, such as enhanced due diligence (EDD). Find out more about the difference between CDD and EDD. Maintain up-to-date records for higher-risk customers. Monitor customer accounts for suspicious activity via Watchlist checks and report any flagged transactions in accordance with relevant regulations. Enforce sanctions against individuals or entities that fail to comply with regulation or are found to be on blocked lists.</span></p> </div> </div> <div class="faq py-4 col col-12 col-lg-8 px-0"> <button class="accordion h4" aria-haspopup="true" aria-expanded="false" tabindex="-1"> <span id="tab-title-dimensions_tab" tabindex="0"><h2 class="h5">What are examples of money laundering to look out for?</h2></span> <div class="circle-animation closed"> <div class="horizontal"></div> <div class="vertical"></div> </div> </button> <div class="panel fs-body1" tabindex="0"> <p><span style="font-weight: 400;">Global awareness of common money laundering schemes will bring society one step closer to stamping them out. Keep in mind that these </span><span style="font-weight: 400;">money laundering examples</span><span style="font-weight: 400;"> will usually act as one cog in a much larger wheel, as criminals need to clean their illicit funds through a variety of channels to avoid raising suspicion. Here are five common </span><span style="font-weight: 400;">types of money laundering</span><span style="font-weight: 400;"> to look out for:</span></p> <h3 class="h5"><b>1. Cash business money laundering</b></h3> <p><span style="font-weight: 400;">You may have heard popular lore about Al Capone and the mafia running laundromats to disguise their money laundering. Some say this is a </span><a href="https://books.google.com/books?id=_fEBAQAAQBAJ&pg=PA3&lpg=PA3&dq=al+capone+money+launder+myth&source=bl&ots=eqqF5BtHeE&sig=ACfU3U14z8gOToh45QRN1RLXR1QMx62DTw&hl=en&sa=X&ved=2ahUKEwiik6Kp_IrxAhWoct8KHceLBy0Q6AEwEXoECCEQAw#v=onepage&q=al%20capone%20money%20launder%20myth&f=false" target="_blank" rel="noopener"><span style="font-weight: 400;">myth</span></a><span style="font-weight: 400;">, but it still serves as an enlightening illustration for cash business money laundering. </span></p> <p><span style="font-weight: 400;">When a business primarily deals in cash, tracking the origins of all that cash is nearly impossible. The general chaos of cash books makes it easy for criminals to slip in dirty money on a regular basis, claiming fake business deals and transactions. They then deposit illegally earned cash with legal funds, cleaning the dirty money by getting it into their business bank account.</span></p> <p><span style="font-weight: 400;">Law enforcement might pick up on this crime by detecting a significant difference between a money laundering business’s profits and a comparable business’s profits, but it’s still hard to prove. Financial institutions are the biggest line of defense against cash business money laundering, as they are required to report suspicious activity. For example, lots of large cash business deposits just under the national reporting limit could indicate that the business is laundering money.</span></p> <h3 class="h5"><b>2. Real estate money laundering</b></h3> <p><span style="font-weight: 400;">Residential and commercial real estate has become a popular vehicle for storing, laundering, and benefiting from ill-gotten funds. A large part of this was originally due to the lack of </span><span style="font-weight: 400;">anti-money laundering regulations</span><span style="font-weight: 400;"> surrounding cash purchases, and numerous countries have suffered as a result.</span></p> <p><span style="font-weight: 400;">One </span><a href="https://gfintegrity.org/wp-content/uploads/2021/08/Acres-of-Money-Laundering-Final-Version-2021.pdf" target="_blank" rel="noopener"><span style="font-weight: 400;">review</span></a><span style="font-weight: 400;"> of real estate money laundering cases found that $2.3 billion had been laundered through U.S. real estate alone from 2015 to 2020—and that’s just the discovered and documented cases. The Financial Action Task Force (FATF) </span><a href="https://www.fatf-gafi.org/en/publications/Mutualevaluations/Fur-canada-2021.html" target="_blank" rel="noopener"><span style="font-weight: 400;">reported</span></a><span style="font-weight: 400;"> more than 650 organized criminal groups in Canada involved in mortgage fraud in 2016. Australia has even been called a “</span><a href="https://www.theguardian.com/australia-news/2021/nov/09/widespread-money-laundering-in-property-locking-out-australians-from-owning-homes-senate-told" target="_blank" rel="noopener"><span style="font-weight: 400;">destination of choice</span></a><span style="font-weight: 400;">” for real estate money laundering.</span></p> <p><span style="font-weight: 400;">The prevalence of real estate money laundering is likely due to the many ways fraudsters can use real estate as financial detergent. A couple of these methods include:</span></p> <ul> <li style="font-weight: 400;" aria-level="1"><b>Using Third Parties to Buy Real Estate</b><span style="font-weight: 400;"><span style="font-weight: 400;"><span style="font-weight: 400;"> - Establishing a third party, like a friend or family member, as the legal owner of a property gives criminals an extra layer of security. If the buyer mentions someone else is funding their real estate purchase, that should be a red flag.</span></span></span></li> <li style="font-weight: 400;" aria-level="1"><b>Purchasing Real Estate with Shell Companies</b><span style="font-weight: 400;"> - Shell companies don’t have significant assets or active business operations. Criminals create shell companies to exist on paper purely for laundering money. Because many countries do not require the identification of the business owner in real estate transactions, it’s easier to slide under the radar with a shell company.</span></li> </ul> <p><span style="font-weight: 400;">In recent years, various governments have updated their AML regulations to combat these loopholes in real estate purchases. For example, </span><a href="https://www.gov.uk/government/publications/circular-0032018-criminal-finances-act-unexplained-wealth-orders/circular-0032018-unexplained-wealth-orders" target="_blank" rel="noopener"><span style="font-weight: 400;">Britain</span></a><span style="font-weight: 400;"> enacted the Unexplained Wealth Order (UWO) in 2018. The National Crime Agency (NCA) can now appeal to the High Court for a UWO to order a target to prove how they got their unexplained wealth. </span></p> <p><span style="font-weight: 400;">Zamira Hajiyeva, the spouse of the jailed state banker Jahangir Hajiyev, was the </span><a href="https://www.bbc.com/news/uk-45812210" target="_blank" rel="noopener"><span style="font-weight: 400;">first person</span></a><span style="font-weight: 400;"> to be on the receiving end of one of these orders. Her case is a prime </span><span style="font-weight: 400;">example of money laundering cases</span><span style="font-weight: 400;"> in real estate. She allegedly used dirty funds from her husband’s illegal dealings to purchase a £15 million home in London and many other expensive items (like a £31 million Gulfstream G550 jet and a £10 million golf club). If she fails to prove the origin of these funds, the NCA can legally freeze and seize these assets.</span></p> <h3 class="h5"><b>3. Gambling money laundering</b></h3> <p><span style="font-weight: 400;">Criminals have used casinos for years to launder money. Now, with the </span><a href="https://www.globenewswire.com/en/news-release/2022/10/03/2527007/0/en/Online-Gambling-Market-to-Touch-Revenue-of-153-89-Billion-by-2028-UK-Generates-Over-16-41-Billion-Revenue-From-Online-Betting.html" target="_blank" rel="noopener"><span style="font-weight: 400;">fast rise</span></a><span style="font-weight: 400;"> of the online gambling market, new forms of gambling money laundering have come into play. Large amounts of money constantly flow in and out of these businesses, making it easy for fraudsters to go undetected. </span></p> <p><span style="font-weight: 400;">This type of money laundering is simple in theory. People will exchange illicit cash for chips or credit, gamble enough to lose and win some money, and then cash out with their earnings. If anyone asks where the money came from, money launderers can claim they bought in with a lower amount and won big.</span></p> <p><span style="font-weight: 400;">Canada’s financial intelligence unit, FINTRAC, published </span><a href="https://fintrac-canafe.canada.ca/guidance-directives/transaction-operation/indicators-indicateurs/casinos_mltf-eng" target="_blank" rel="noopener"><span style="font-weight: 400;">indicators</span></a><span style="font-weight: 400;"> to watch out for in an effort to decrease casino money laundering. These are highly applicable to all countries, not just Canada. Some examples of red flags include:</span></p> <ul> <li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">Attempts to mislead identification efforts, such as not providing ID or using different aliases across transactions.</span></li> <li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">Approaching different staff members and physical locations to exchange chips for cash.</span></li> <li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">Refusal to identify the origin of funds.</span></li> <li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">Opening an account with a non-local address without a reasonable explanation.</span></li> </ul> <h3 class="h5"><b>4. Cryptocurrency laundering</b></h3> <p><span style="font-weight: 400;">Cryptocurrency, a decentralized and somewhat anonymous form of payment, is quite appealing to money launderers. Many criminals use cryptocurrency to muddle the origins and paths of their illicit cash, and crypto laundering techniques continue to become more advanced. A </span><a href="https://www.europol.europa.eu/cms/sites/default/files/documents/Europol%20Spotlight%20-%20Cryptocurrencies%20-%20Tracing%20the%20evolution%20of%20criminal%20finances.pdf" target="_blank" rel="noopener"><span style="font-weight: 400;">Europol</span></a><span style="font-weight: 400;"> study also notes that many criminals are now using crypto instead of cash to pay for illegal activities. </span></p> <p><span style="font-weight: 400;">How bad is it getting? Recent academic </span><a href="https://academic.oup.com/rfs/article-abstract/32/5/1798/5427781?redirectedFrom=fulltext&login=false" target="_blank" rel="noopener"><span style="font-weight: 400;">research</span></a><span style="font-weight: 400;"> estimates that $76 billion of illegal activity per year involve bitcoin, a popular form of cryptocurrency. Some of the typical methods of cryptocurrency laundering include:</span></p> <ul> <li style="font-weight: 400;" aria-level="1"><b>Mixing/tumbling services</b><span style="font-weight: 400;"><span style="font-weight: 400;">. Money launderers send cryptocurrency through a third-party service that mixes it with other users' funds, making it difficult to trace the original source of the funds.</span></span></li> <li style="font-weight: 400;" aria-level="1"><b>Smurfing money laundering</b><span style="font-weight: 400;"><span style="font-weight: 400;">. Breaking up a large sum of money into smaller transactions to avoid triggering reporting requirements or exceeding limits on single transactions is referred to as “smurfing.” This is a common technique in non-crypto money laundering as well.</span></span></li> <li style="font-weight: 400;" aria-level="1"><b>Converting to fiat currency</b><span style="font-weight: 400;"> - Criminals can also convert their funds to fiat currency (aka government-backed currency, like the euro or U.S. dollars). Crypto exchanges are held to the same standards as all financial institutions, so criminals instead go through unlicensed exchanges or direct trade with other buyers/sellers.</span></li> </ul> <p><span style="font-weight: 400;">Although cryptocurrency is relatively new, many countries have already introduced stringent AML measures surrounding the use of crypto. Service providers and </span><span style="font-weight: 400;">AML software</span><span style="font-weight: 400;"> platforms are now obligated to gather more information about users and their transactions. These increased regulations have helped law enforcement agencies better respond to criminal activities committed using cryptocurrencies.</span><b></b></p> <h3 class="h5"><b>5. Art money laundering</b></h3> <p><span style="font-weight: 400;">According to a recent Art Basel and UBS Global Art Market </span><a href="https://www.artbasel.com/stories/art-market-report-2021" target="_blank" rel="noopener"><span style="font-weight: 400;">Report</span></a><span style="font-weight: 400;">, the international art market sees billions of dollars in art transfer ownership annually. Art sales are tricky to regulate, as the value of art is so subjective. One person may adore the iconic melting clocks of Spanish surrealist artist Salvador Dalí and happily pay millions for his work; someone else may observe Dalí surrealism, think it’s absurd, and not be willing to pay a dime for it.</span></p> <p><span style="font-weight: 400;">Money launderers also take advantage of the art market’s </span><a href="https://www.nytimes.com/2021/06/19/arts/design/money-laundering-art-market.html" target="_blank" rel="noopener"><span style="font-weight: 400;">historically</span></a><span style="font-weight: 400;"> anonymous nature, making it easy to buy art with dirty money. One method of art money laundering involves purchasing numerous pieces of art with illicit funds and then reselling them at auction for clean cash. Other criminals use their purchased artwork as collateral for a bank loan, thereby having a clean money source from the bank.</span></p> <p><span style="font-weight: 400;">Globally, legislators are working to close the regulatory loopholes that facilitate money laundering through art. The European Union (EU), for example, recently </span><a href="https://www.imf.org/en/Publications/fandd/issues/2019/09/the-art-of-money-laundering-and-washing-illicit-cash-mashberg" target="_blank" rel="noopener"><span style="font-weight: 400;">implemented</span></a><span style="font-weight: 400;"> regulations requiring art businesses to enhance their client verification efforts and determine the intent behind large, complex, or secretive transactions.</span></p> </div> </div> <div class="faq py-4 col col-12 col-lg-8 px-0"> <button class="accordion h4" aria-haspopup="true" aria-expanded="false" tabindex="-1"> <span id="tab-title-dimensions_tab" tabindex="0"><h2 class="h5">Who needs to comply with AML regulations?</h2></span> <div class="circle-animation closed"> <div class="horizontal"></div> <div class="vertical"></div> </div> </button> <div class="panel fs-body1" tabindex="0"> <p><span style="font-weight: 400;">Businesses and individuals in various industries (but mostly finance) must comply with numerous AML regulations around the globe. Other affected sectors include insurance companies, gambling institutions, art dealers, virtual assets service providers, and credit providers.</span></p> <p><span style="font-weight: 400;">Some examples of AML regulations around the world that these industries must follow include:</span></p> <ul> <li style="font-weight: 400;" aria-level="1"><b>The EU’s AML Directives from 1991 to 2020 </b><span style="font-weight: 400;">- In 1991, the </span><a href="https://finance.ec.europa.eu/financial-crime/eu-context-anti-money-laundering-and-countering-financing-terrorism_en" target="_blank" rel="noopener"><span style="font-weight: 400;">European Commission</span></a><span style="font-weight: 400;"> enacted 1AMLD, the first anti-money laundering directive in the EU. Its primary focus at the time was combating the financing of terrorism (CFT). This directive was updated multiple times, with the latest being the fifth AML directive (5AMLD) in 2020. 5AMLD provided clarity on arising issues, like holding cryptocurrency to the same AML standards as standard currency and introducing new prepaid card requirements. A sixth AML directive is </span><a href="https://eur-lex.europa.eu/legal-content/EN/TXT/?uri=CELEX%3A52021PC0423" target="_blank" rel="noopener"><span style="font-weight: 400;">in the works</span></a><span style="font-weight: 400;"> to improve Europe’s defense against money laundering. <br /></span></li> <li style="font-weight: 400;" aria-level="1"><b>The U.S. </b><b>Bank Secrecy Act</b><b> of 1970 and </b><b>Anti-Money Laundering Act of 2020</b><span style="font-weight: 400;"> - The </span><a href="https://www.occ.treas.gov/topics/supervision-and-examination/bsa/index-bsa.html" target="_blank" rel="noopener"><span style="font-weight: 400;">Bank Secrecy Act</span></a><span style="font-weight: 400;"> (BSA) was the first </span><span style="font-weight: 400;">anti-money laundering act passed</span><span style="font-weight: 400;"> in the U.S. The BSA instructs financial institutions to keep records of all transactions over $10,000 and to file reports with the government for transactions that are deemed suspicious or unusual. </span><span style="font-weight: 400;">The act also established the </span><a href="https://www.fincen.gov/" target="_blank" rel="noopener"><span style="font-weight: 400;">Financial Crimes Enforcement Network</span></a><span style="font-weight: 400;"> (FinCEN), the primary organization responsible for enforcing the BSA's provisions and collecting, analyzing, and sharing financial intelligence.</span><span style="font-weight: 400;"> The latest AML act in the U.S. is the </span><a href="https://www.fincen.gov/anti-money-laundering-act-2020" target="_blank" rel="noopener"><span style="font-weight: 400;">Anti-Money Laundering Act</span></a><span style="font-weight: 400;"><span style="font-weight: 400;"> (AMLA) of 2020, which expands the responsibilities of financial institutions, money service businesses, and virtual asset service providers. The AMLA also provides for greater collaboration between financial institutions and law enforcement agencies, and it enhances the penalties for AML violations.</span></span></li> <li style="font-weight: 400;" aria-level="1"><b>The UK’s Money Laundering, Terrorist Financing and Transfer of Funds Regulations of 2017</b><span style="font-weight: 400;"> - This act, also known as MLR 2017, works to prevent money laundering and terrorism financing by imposing standard AML obligations on financial institutions in the UK. The MLR 2017 also requires entities to have robust AML/CTF policies, procedures, and controls, and to appoint a designated person or officer to take responsibility for these activities. The regulations also set out the requirements for record-keeping and reporting suspicious activities to the National Crime Agency (NCA).</span></li> </ul> </div> </div> <div class="faq py-4 col col-12 col-lg-8 px-0"> <button class="accordion h4" aria-haspopup="true" aria-expanded="false" tabindex="-1"> <span id="tab-title-dimensions_tab" tabindex="0"><h2 class="h5">What are the 3 lines of defense in AML?</h2></span> <div class="circle-animation closed"> <div class="horizontal"></div> <div class="vertical"></div> </div> </button> <div class="panel fs-body1" tabindex="0"> <p><span style="font-weight: 400;">To keep up with AML regulations and ever-evolving money laundering tactics, businesses should rely on the following three main lines of defense.</span></p> <h3 class="h5"><b>1st Line of Defense: Daily Business Operations</b></h3> <p><span style="font-weight: 400;">The people on the customer-facing side of a business act as the first line of defense against money laundering. Businesses must have clear AML policies in place and regular AML training to strengthen efforts on this front. The scope and frequency of training should be tailored to the levels of risk each employee will encounter. You can further sophisticate your AML operation procedures by using a </span><a href="https://onfido.com/"><span style="font-weight: 400;">real identity platform</span></a><span style="font-weight: 400;"> — like Onfido — to automate digital </span><span style="font-weight: 400;">AML verification</span><span style="font-weight: 400;"> and enhance fraud detection.</span></p> <h3 class="h5"><b>2nd Line of Defense: Compliance and Risk Management</b></h3> <p><span style="font-weight: 400;">The second line of defense is any person or process involved with managing a business’s </span><span style="font-weight: 400;">AML compliance</span><span style="font-weight: 400;"> and risk. One of their primary focuses is supervising and directing those dealing with the first line of defense, including handling escalated risk alerts. They are also responsible for monitoring the effectiveness of current procedures and whether or not a business is sufficiently compliant with regulatory measures. Senior management and board members will expect regular status reports from this level of defense.</span></p> <h3 class="h5"><b>3rd Line of Defense: Internal Auditing</b></h3> <p><span style="font-weight: 400;">An internal audit will help businesses find any weak links within their AML system. To prevent bias, an independent party not associated with the first or third line of defense should conduct these audits. A comprehensive AML audit will consider the following:</span></p> <ul> <li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">How well employees are following internal policies.</span></li> <li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">If policies are adequate for identifying and managing risk.</span></li> <li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">The quality of a business’s AML training.</span></li> <li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">How effective compliance and risk management are.</span></li> </ul> <p><span style="font-weight: 400;">Only a professional who regularly conducts AML audits should be trusted to oversee this third line of defense. </span></p> </div> </div> <div class="faq py-4 col col-12 col-lg-8 px-0"> <button class="accordion h4" aria-haspopup="true" aria-expanded="false" tabindex="-1"> <span id="tab-title-dimensions_tab" tabindex="0"><h2 class="h5">What is required in an AML compliance program?</h2></span> <div class="circle-animation closed"> <div class="horizontal"></div> <div class="vertical"></div> </div> </button> <div class="panel fs-body1" tabindex="0"> <p><span style="font-weight: 400;">Compliance leadership appointments, staff training, risk assessments, independent audits, and customer due diligence (CDD) are all crucial parts of an AML compliance program. Different countries have variations on these requirements, but each core concept remains the same. In the initial stages of mapping out a compliance program, consider making an </span><span style="font-weight: 400;">anti-money laundering compliance checklist</span><span style="font-weight: 400;"> that covers each of these areas as follows: </span></p> <h3 class="h5"><b>Appoint compliance leadership</b></h3> <p><span style="font-weight: 400;">Successful AML compliance starts with a strong leader or leadership team. </span><span style="font-weight: 400;">What skills are needed to be an AML</span><span style="font-weight: 400;"> compliance officer? You want someone with a deep understanding of AML laws and prior experience developing and implementing effective compliance programs. They will also need superior communication skills, as they must effectively discuss AML matters with stakeholders like the board of directors, senior management, and employees. High-quality AML leadership will demonstrate a track record of staying current on industry developments and implementing changes to stay ahead of evolving threats and regulatory requirements.</span></p> <h3 class="h5"><b>Complete risk assessments</b></h3> <p><span style="font-weight: 400;">This stage is where you determine what risks your organization faces through your products and services, customers, transactions, and geographic location. The information gathered from risk assessments can then be used to prioritize AML efforts and allocate resources to areas of highest risk. It is essential to regularly update your risk assessment procedures to ensure that they remain relevant and practical.</span></p> <h3 class="h5"><b>Prepare an </b><b>anti-money laundering policies and procedures manual</b></h3> <p><span style="font-weight: 400;">An AML policies and procedures manual is critical for a company to demonstrate its commitment to compliance and prevent illegal financial activities. The manual should thoroughly detail the company's AML program, including all the actions outlined in this checklist. Instead of creating one from scratch, see if your national financial regulatory authority has an </span><span style="font-weight: 400;">anti-money laundering manual sample</span><span style="font-weight: 400;"> or template. </span><span style="font-weight: 400;">For example, the Financial Industry Regulatory Authority (FINRA) offers a free AML </span><a href="https://www.finra.org/compliance-tools/anti-money-laundering-template-small-firms"><span style="font-weight: 400;">template</span></a><span style="font-weight: 400;"> to assist with fulfilling U.S. compliance requirements.</span></p> <h3 class="h5"><b>Monitor and maintain your AML program</b></h3> <p><span style="font-weight: 400;">Emerging money laundering risks and changing regulatory requirements mean that AML monitoring is a necessity. Program maintenance includes regularly training employees on AML policies and systems for detecting and reporting suspicious activities. Companies should also engage independent auditors to review their AML programs and provide recommendations for improvement.</span></p> <h3 class="h5"><b>Do your due diligence</b></h3> <p><span style="font-weight: 400;">Due diligence involves thoroughly evaluating potential business partners, customers, and transactions to ensure they are not connected to illegal financial activities. Actions like reviewing customer identification and documentation, running background checks, and monitoring transaction patterns for unusual activity are all part of due diligence. Companies should also maintain accurate and up-to-date records of their due diligence efforts.</span></p> </div> </div> <div class="faq py-4 col col-12 col-lg-8 px-0"> <button class="accordion h4" aria-haspopup="true" aria-expanded="false" tabindex="-1"> <span id="tab-title-dimensions_tab" tabindex="0"><h2 class="h5">How to prevent money laundering and navigate compliance with Onfido</h2></span> <div class="circle-animation closed"> <div class="horizontal"></div> <div class="vertical"></div> </div> </button> <div class="panel fs-body1" tabindex="0"> <p><span style="font-weight: 400;">Onfido offers an end-to-end identity verification solution through the Real Identity Platform, giving businesses fast results they can trust without compromising on the user experience. Our document and biometric verifications give assurance that a real user is present and that they are using a genuine government-issued ID that belongs to them, keeping fraud down and helping you meet compliance requirements. We enable businesses to build identity verification workflows that meet their unique AML and KYC requirements by combining:</span></p> <ul> <li style="font-weight: 400;" aria-level="1"><b>Document Verification</b><span style="font-weight: 400;"><span style="font-weight: 400;"> - Verify document authenticity based on a user-captured image, from passports to national identity cards.</span></span></li> <li style="font-weight: 400;" aria-level="1"><b>Data Verification</b><span style="font-weight: 400;"><span style="font-weight: 400;"> - Validate personal information provided by customers and tailor searches with sanctions lists, politically exposed person (PEP) lists, and adverse media categories.</span></span></li> <li style="font-weight: 400;" aria-level="1"><b>Biometric Verification</b><span style="font-weight: 400;"><span style="font-weight: 400;"> - Users snap a selfie to verify facial biometrics, and our next-generation head turn capture experience detects a real user to prevent more sophisticated fraud.</span></span></li> <li style="font-weight: 400;" aria-level="1"><b>Fraud Detection</b><span style="font-weight: 400;"> - Evaluate the risk level associated with a user's device by analyzing device intelligence, geolocation, and repeat fraud detection. You can also validate submitted personal information, and identify anomalies that may signal fraudulent activity.</span></li> </ul> <p><span style="font-weight: 400;">Our flexible platform integrates seamlessly with a variety of systems and processes, making it easy for companies to integrate identity verification into their existing workflows. Plus, Onfido’s global coverage and fast verification times make it an ideal solution for businesses operating in a fast-paced, highly-regulated environment.</span></p> <p>Take our <a href="https://onfido.com/tour/">interactive product tour</a> to learn more. </p> </div> </div> <div class="faq py-4 col col-12 col-lg-8 px-0"> <button class="accordion h4" aria-haspopup="true" aria-expanded="false" tabindex="-1"> <span id="tab-title-dimensions_tab" tabindex="0"><h2 class="h5">What should be on my business’s anti-money laundering checklist?</h2></span> <div class="circle-animation closed"> <div class="horizontal"></div> <div class="vertical"></div> </div> </button> <div class="panel fs-body1" tabindex="0"> <p><span style="font-weight: 400;">The KYC process is a part of AML and aims to stop such schemes in the early stage. KYC regulations require a business to identify their customers and assess their risk profile upon onboarding. This is done via customer due diligence (CDD) processes. CDD processes typically comprise of a series of checks to help businesses verify their customers’ identities and assess their risk profiles, and can also refer to ongoing monitoring post onboarding to catch money laundering in subsequent stages beyond the initial deposit. CDD involves analyzing information from different sources, including what the customer provides, and checking information against public and private data sources and sanctions lists. The information you collect depends on the risk profile of your customer, but basic CDD requires the information about the identity of your customers, such as their name, address and a photograph of an official identity document. An overview of your customer’s activities and the markets they operate in, and an overview of any other entities that your customer does business with.</span></p> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> <div class="fl-col-group fl-node-woi64zcl7xye" data-node="woi64zcl7xye"> <div class="fl-col fl-node-pmyhkon62qas fl-col-bg-color" data-node="pmyhkon62qas"> <div class="fl-col-content fl-node-content"><div class="fl-module fl-module-onfido-cta-featured fl-node-kn0or8hi539v" data-node="kn0or8hi539v"> <div class="fl-module-content fl-node-content"> <div class=""> <div class="bg-prefooter"> <div class="container p-0 media-container "> <div class="row flex-column flex-lg-row justify-content-lg-between left-media-reversed"> <div class="col-lg-6 col d-flex flex-column justify-content-center"> <div class="d-flex flex-column justify-content-center pt-5"> <div class="row mb-3"> <div class="col-12"> <h2 class="h2 highlighted-span mb-3 col-12 ps-0 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