Compliance service
Compliance as a service
Software when you want to run it yourself — and our specialists when you'd rather not. You keep control; we carry the load.
Meeting your AML obligations takes time and detailed knowledge. We make sure your office is fully compliant without you losing oversight. Choose the level of support that fits — from a one-off file audit to fully outsourced compliance.
What this means, exactly
As of 18 June 2026, Compliance as a Service means Sceau can run a large part of your AML operations stack with you and for you, but it does not turn Sceau into the obliged entity, the regulated professional, or the legal decision-maker.
In practice, we can operate the machinery of compliance on your behalf: workflow, reminders, evidence, review cycles, screening, register-check tasks, discrepancy follow-up, policy control, training records, inspection preparation, workpapers and structured exports. What stays with your office is the legal status, the final judgment, and the official rights that belong to the obliged entity.
AML operations runbook
We can maintain the operating layer: workflow queues, reminders, review cycles, screening runs, register-check tasks, discrepancy follow-up, policy version control, training tracking and inspection-pack preparation. The office sees every action live in the platform and can take any part back in-house.
File preparation & workpapers
We can prepare files for the office: draft narratives, structure UBO maps, reconcile declarations against evidence, assemble inspection-ready case files and generate workpapers such as goAML-ready exports or DAC6 conclusion memos. Preparation is ours; the accountable decision remains yours.
Official-process support
Where the law allows it, we can launch and guide official workflows in the office's name and under the office's access rights — for example, guiding a Belgian UBO consultation through the office's own MyMinfin access and recording the result in the evidence ledger. We do not impersonate the office or create our own right of access.
What Sceau can operate for you
- Maintain the workflow, reminders, evidence ledger, review cycles, screening runs, register-check tasks, discrepancy follow-up, policy version control, training tracking and inspection-pack preparation.
- Prepare files, draft narratives, structure UBO maps, reconcile client declarations against evidence and assemble supervisor-ready workpapers.
- Generate practical outputs such as goAML-ready XML packages, DAC6 conclusion memos, UBO-reconciliation records and dated review notes for the office to validate.
- Keep a complete tamper-evident record of what was done, by whom, when and on what basis — so outsourcing creates more proof, not less.
What this does not mean
- We do not take over the office's legal accountability as the obliged entity.
- We do not become the reporting entity to CTIF-CFI, and we do not submit in our own name.
- We do not acquire our own right to restricted registers simply because we are a software vendor or service provider.
- We do not replace the office's AMLCO, partner, notary, lawyer, accountant or tax advisor where the law requires their judgment, sign-off or signature.
- We do not provide reserved legal advice unless that advice comes from a properly qualified professional inside the client organization or from external counsel appointed by the client.
How it works
1 · Scoping call
We map your profession, client base and current state — and agree the support level.
2 · Onboarding
We configure your rule pack and risk model, or take over your files — every step sealed in the ledger.
3 · Ongoing
Audit, outsourcing or training on a cadence you set; you keep full visibility and control at all times.
You keep control
Outsourcing compliance does not mean outsourcing accountability — the law keeps it with you. That is why everything we do on your behalf is recorded in your evidence ledger and visible to you in real time. You can take any part back in-house at any moment.
The legal boundary that matters
Under the EU AMLR framework, outsourcing tasks does not outsource responsibility. The obliged entity remains responsible for compliance even where specialist support, technology or external operators carry out a significant part of the work. Belgian guidance follows the same logic: reporting entities must maintain effective policies, procedures and internal controls of their own.
That is why Sceau's promise is deliberately narrow and operational. We can do the work, run the process, prepare nearly everything and make the office dramatically more operational. What we cannot do is replace your status as the obliged entity, assume your legal accountability, or exercise official filing and restricted-register rights in our own name.
Official references
If you want to verify the boundary yourself, these are the official starting points:
- EU AMLR summary — obliged entities remain responsible even when tasks are outsourced
- AMLR text on EUR-Lex (Regulation (EU) 2024/1624)
- CTIF-CFI — obligations of reporting entities
- CTIF-CFI — who must report
- CTIF-CFI — goAML
- FPS Finance — Belgian UBO register access
- FPS Finance — UBO FAQ, including mandates and roles
- FPS Finance — UBO register update on mandates
Talk to a specialist
Book a 30-minute demo: we onboard a test client live, trigger a screening hit, and export your first inspection pack — your profession, your country, your supervisor.
Book a demo