AMLA became operational 1 July 2025 (Frankfurt). The full package applies across the EU from 10 July 2027 — and from 2028, AMLA directly supervises ~40 high-risk institutions. Score your AML programme against AMLA's five supervisory pillars, identify gaps, and export a Policy Mandate.
AMLA's scope covers credit institutions, payment institutions, electronic money institutions, crypto-asset service providers (CASPs), investment firms, insurance undertakings, real estate agents, and high-value goods dealers. AMLA will directly supervise the 40 highest-risk obliged entities from 2028.
AMLA's supervisory framework covers five core pillars: Customer Due Diligence (CDD/EDD), KYC ongoing monitoring, transaction monitoring, suspicious activity reporting, and sanctions screening. Rate your current programme maturity for each.
Pillar-by-pillar readiness scores and prioritised remediation items. Gaps are classified by severity: Critical (must fix before July 2027), Remediate (address within 12 months), and Monitor (low-risk, track).
| Requirement | AMLA Standard | Your status | Verdict |
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AMLA supervisory readiness mandate for your compliance team, board risk committee, or NCA submission.
AMLA's first direct supervision cohort (~40 institutions) will be selected based on cross-border risk exposure and programme quality assessed well before the 2028 effective date. The gap-closing work needs to start now. Let's review your AML programme architecture.
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