Kit de responsable de cumplimiento AML

AML/CFT policy: legal basis EU now and AMLR 2027, governance and MLRO, risk assessment, CDD/EDD, monitoring, SARs, sanctions, records, training, testing

Regimes, governance, list management, customer and payment screening, ISO 20022 fields, fuzzy thresholds, alerts, freezing, OFAC/OFSI reporting, testing

Enterprise-wide ML/TF/PF and sanctions evasion risk assessment: method, inputs, inherent risk by area, control ratings, residual risk, appetite, actions

AML customer risk rating: factors and weights, scoring formula, automatic triggers, bands and CDD levels, worked examples, overrides, review cycle, validation

Regimes, scoring method, geography, customer, product and channel exposure, OFAC 50% vs EU and UK ownership tests, typologies, controls, residual risk

KYC customer profile: legal basis, identification, verification, beneficial ownership chart, purpose and nature, source of funds, expected activity, PEP and sanctions screening, risk rating, decision, periodic review

EDD memo: triggers and legal basis, PEP, high-risk third country and structure analysis, source of wealth and funds, adverse media, risk conclusion, mitigation, senior approval, monitoring, decision

Correspondent banking file: legal basis, services, respondent profile, ownership and licence, jurisdiction, AML/CFT and sanctions controls, nested and payable-through, shell bank checks, rating, approval, monitoring

Typology and risk mapping, logic, parameters, segments, data lineage, ATL/BTL calibration and sample size, alert volumes, investigation, validation

Filing deadline tracker, reporting route by jurisdiction, subjects, evidence log, transaction summary, red flags, who-what-when-where-why-how builder, narrative, decision, tipping-off controls

Scope and legal basis, independence, sampling and ratings, risk assessment, governance, CDD/EDD, monitoring and SAR testing, sanctions, training, prior findings, finding register, traceability