RegTech · Processors Demo #19 — FATF Readiness Scorer & Sanctions Programme Gap Analyser
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FATF 40 Recommendations OFAC · EU · UN Sanctions AML / CFT $4–22B AML Market

FATF Readiness & Sanctions Programme Gap Analyser

Two-module AML/CFT assessment tool. Score your institution's FATF 40 Recommendations readiness across eleven categories — then assess your sanctions screening programme against OFAC SDN, EU Consolidated List, and UN Security Council regimes. Outputs per-recommendation gap analysis, priority remediation roadmap, and an AP2-formatted compliance mandate.

OFAC Max Penalty
$1.1B+
per enforcement action
FATF Categories
11
40 Recommendations
Sanctions Regimes
3
OFAC · EU · UN
AML TAM 2026
$4–22B
AML software market
Global Illicit Flows
$1.6–4T
per year (UNODC est.)
Value at Risk
$1.1B+ per OFAC action; up to 2× global turnover for EU violations
OFAC's 2025 enforcement calendar averaged $220M per settled case. EU AMLA regulations effective 2027 align penalties with GDPR-scale: up to 10% of global turnover. FATF mutual evaluation adverse findings trigger enhanced correspondent banking scrutiny and market access risk.
Source: OFAC Annual Enforcement Report 2025 · EU AMLA Regulation 2024 · FATF Methodology 2024
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01 FATF Readiness Scorer

Rate your institution's maturity against the FATF 40 Recommendations most relevant to financial services. C = Compliant · LC = Largely Compliant · PC = Partially Compliant · NC = Non-Compliant.

Institution Profile
Readiness Score
📋
Rate your FATF recommendation compliance above and run the scorer.
02 Sanctions Programme Gap Assessor

Assess your institution's sanctions screening programme across OFAC SDN, EU Consolidated List, and UN Security Council regimes. Check the controls you have in place; the tool identifies gaps and enforcement risk.

Sanctions Controls Assessment
Sanctions Assessment
🛡
Select your controls above and run the assessment.

Source Notes

[1]FATF 40 Recommendations — Financial Action Task Force, updated 2023. fatf-gafi.org
[2]OFAC Enforcement Actions and Penalties — US Treasury, 2025 Annual Report. Maximum civil penalty: greater of $368,136 per violation or twice the amount of the transaction (economic sanctions violations).
[3]EU Anti-Money Laundering Authority (AMLA) — Regulation 2024/1620. AMLA assumes direct supervisory powers over high-risk obliged entities from 2027. Penalty ceiling: 10% of global annual turnover.
[4]UN Security Council Consolidated List — maintained by the 1267/1989/2253 ISIL and Al-Qaida Sanctions Committee. un.org
[5]OFAC 50% Rule — entities majority-owned (≥50%) by one or more SDN-designated persons are themselves treated as blocked, regardless of whether they appear on the SDN List by name. OFAC FAQ #398.
[6]UNODC global illicit financial flows estimate ($1.6–4T/yr) — United Nations Office on Drugs and Crime, "Financial Flows from Illicit Trade," 2024.
[7]AML software market size ($4–22B, 2026) — Mordor Intelligence / Grand View Research AML Technology Market Report, 2025.
⚠ This tool provides AI-assisted gap analysis for informational purposes only. It does not constitute legal or compliance advice. FATF compliance assessments require qualified AML counsel and independent programme review. OFAC and sanctions screening obligations are highly fact-specific. Consult qualified legal counsel before taking compliance actions.
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