AML compliance for the professions
Due diligence, done.
You became a notary, an estate agent, an accountant — not a compliance officer. Sceau runs your anti-money-laundering programme automatically: onboarding, screening, registers, reviews, evidence. You keep the judgment; the platform does the work and proves it.
30 minutes, your cases, your supervisor's checklist — live on screen. No slideware.
The law treats your office like a bank. Your tooling shouldn't be a binder.
Notaries, estate agents, accountants, lawyers, trust & company service providers, art dealers — under EU anti-money-laundering law, you are an obliged entity with the same core duties as a financial institution: identify clients, verify beneficial owners, screen against sanctions, assess risk, monitor continuously, report suspicion, and prove all of it on inspection day.
Most offices handle this with PDFs, spreadsheets and good intentions — hours of unbillable work that still ends in findings, because the lists changed last night and the binder didn't. And the bar rises on 10 July 2027, when the single EU Anti-Money Laundering Regulation (AMLR) replaces today's national patchwork. Sceau was built for exactly this moment.
The AMLR clock is ticking.
On 10 July 2027 the single EU Anti-Money Laundering Regulation replaces every national regime. Offices that wait will build their compliance twice. Offices on Sceau flip a switch — the cut-over is already built in.
Get ready now — book a demoNew · EU compliance scope checker
Find out which compliance rules may touch your organization.
A sharp, multilingual pre-screen for professional offices, high-value dealers, PSPs and CASPs. Two questions, a stamped answer, and a regulation-by-regulation next step.
Security companion
Need cyber exposure and incident follow-through too?
Sceau Security is the sister product for supplier incidents, exposure monitoring, lookalike domains and cyber response. It stays technically separate from the AML platform, but fits naturally beside it when an office also needs day-to-day security oversight.
- Separate security workspace, separate login, separate data plane
- Supplier-breach watch, exposure scans and incident guidance
- Signed handoff from Sceau so a team can start without retyping everything
The Sceau story
From loose files to inspectable proof.
Sceau turns every intake, screen, decision and inspection step into a sealed operating record.
Onboard
The client receives one guided portal instead of scattered requests.
Operate
Screening, register checks and monitoring keep running after acceptance.
Decide
AI can help explain; a named human signs the compliance decision.
Seal
Every material step lands in the evidence ledger with versions and sources.
Prove
The inspection pack is assembled from work already done, not rebuilt under pressure.
How it works
Five stages, one principle: the platform acts, you decide, the ledger remembers.
Onboard
Send the client one link. They identify with itsme® or the EU Digital Identity Wallet, confirm pre-filled register data, declare beneficial owners and source of funds, and upload evidence — in their own language.
Operate
Every night: sanctions lists refresh, every client is rescreened, registers are checked for changes, deadlines advance, your compliance posture is re-verified. No one has to remember anything.
Decide
Whatever needs a human lands in one queue, in plain language, with the evidence attached and an action proposed. Routine items are one click. High-risk items require the AMLCO — four-eyes by design.
Govern
Policies anchored clause-by-clause to the law, staff training with records, a business-wide risk assessment generated from your live portfolio — and when the law changes, the diff arrives for one-click adoption.
Prove
Every action is sealed into a hash-chained evidence ledger. On inspection day, export the complete pack for your supervisor in one click — every decision, every check, every signature, with its legal basis.
See the platform
Real screens, real workflow — this is what your office runs on, the day you start.
One question answered every morning: are we compliant today? Eight live checks, each failure with a Fix button.
Everything needing a human, in one queue, in plain language — evidence attached, action proposed, “Explain this to me” one tap away.
Your client onboards themselves in five minutes, in their own language — identity, UBO, source of funds, documents with instant read-back.
Claimed versus evidenced, computed from the documents themselves — gap in euros, AMLCO sign-off sealed into the ledger.
Inspection day becomes an export: posture, files, decisions, signatures, legal anchors — one click, supervisor-ready.
The nightly sweep, visible: every list refreshed and versioned, every change a trigger, every credential gap a visible task — never a silent failure.
When the law changes, your policy diff is waiting in the morning. Training chases itself; the BWRA writes itself from your live portfolio — you validate.
Why teams switch
The layer most AML software leaves out
Most AML tools stop once the onboarding checklist is complete. Sceau keeps working after that: it monitors, explains, replays, documents, and keeps the office inspection-ready.
Provable complianceA file you can verify, not just read
Tamper-evident ledgering, decision replay, proof bundles and scoped inspector access turn the compliance file into something independently checkable.
Read the capability →
Continuous monitoringRisk does not stop at onboarding
Sanctions, open-source PEP, adverse media, transaction typologies and hidden relationship risk are re-checked as the file evolves.
Read the capability →
Professional controlsConflicts, client money and GDPR in one evidence system
Conflict checks, client-money reconciliations and GDPR registers are handled as live obligations: versioned, ledgered, queued and inspection-ready.
Read the capability →
Reporting workflowsTax reporting and protected channels without side systems
Whistleblowing, DAC6 arrangement tracking and CRS/FATCA self-certification run through the same deadlines, evidence, export and inspection model.
Read the capability →
AMLCO cockpitReal operational visibility for the office
The dashboard is a real control surface: backlog, exposure, flagged transactions, network alerts, review cycles and assurance status all come from live data.
Read the capability →Managed updatesWhen rules move, the platform shows the impact
Regulatory change proposals, rule-pack impact mapping and governed rollout help the office adapt without guessing what changed.
Read the capability →One control room
The professional controls around AML run in the same evidence system
Conflicts, client money and GDPR are daily controls, not side binders. Sceau gives them the same rhythm as AML: clear registers, decision ownership, deadline clocks and inspection-ready proof.
Before the mandate is accepted
Sceau checks new parties against the organization’s own relationship graph: shared UBOs, accounts, addresses, counterparties and prior files. The result is explainable and dispositioned by a human.
Every held amount reconciles
Trust accounts, matter-linked entries, statement balances and shortfall triggers sit beside the client file. Reconciliations are deterministic, ledgered and visible in assurance.
GDPR registers with real clocks
Article 30 records, DPIAs, data-subject requests, breach events, retention reviews and 72-hour breach deadlines become operational records, not forgotten spreadsheets.
Training that stands up on inspection day
AML training is part of the control framework, not an optional extra.
Supervisors do not only inspect your files. They inspect whether your people were trained, whether refreshers reached the right roles, and whether that evidence is current. Sceau now combines the platform with role-based training that is delivered when needed and recorded where your office already proves everything else.
Role-based from day one
New joiners, client-facing staff, reviewers and AMLCOs do not need the same depth. We tailor the material to the role, the profession and the risk the person actually handles.
Refreshers when law or risk changes
Training is not a one-off workshop that goes stale. When the rules move, your risk profile changes or a control starts failing, the refresher can follow immediately.
Attestations, follow-up and proof
Completion records, reminders, attestations and version history sit next to your policies, assurance checks and inspection pack — ready when the supervisor asks.
Reporting workflows
Tax reporting and protected channels without side systems
Whistleblowing, DAC6 and CRS/FATCA run as real workflows: scoped registers, deadlines, evidence, exports and named human conclusions.
WhistleblowingProtected intake with real deadlines
Anonymous or named reports enter a confidential channel, with handler-only access, acknowledgement clocks, feedback deadlines and ledgered case handling.
DAC6From hallmark check to arrangement register
Matter-level DAC6 signals now flow into an office register with hallmarks, main-benefit testing, privilege position, deadlines and conclusion/export workpapers.
CRS/FATCATax self-certifications that stay current
Account holders, self-certifications, controlling persons, indicia mismatches and annual return preparation are tracked as deterministic compliance records.
The product, in detail
Eight modules, one file per client, zero binders.
Regulatory profile engine
Tell it your profession and country; it derives your exact duties: supervisor, FIU, cash limits, UBO register, applicable articles. All 27 member states ship as versioned national rule packs — including the automated cut-over to the AMLR in 2027.
Client onboarding portal
A white-label portal in all 24 EU languages. Identity via itsme®/eIDAS, company data pre-filled from public registers and VIES, UBO declaration, adaptive source-of-funds questions, document upload with instant read-back — five minutes, no paperwork.
Screening that explains itself
UN, EU, OFAC, UK and national sanctions lists plus PEP data, refreshed continuously. Entity-typed matching with transliteration and date-of-birth logic — and every match ships a reproducible comparison table, not a black-box score.
Continuous monitoring
Register changes, bankruptcy publications, list updates, geographic risk (EU high-risk third countries, FATF), review deadlines. Changes become triggers; triggers become queue items; nothing depends on someone remembering.
The decisions queue
Plain-language items with evidence attached and an action proposed. “Explain this to me” gives every clerk an instant briefing. Routine items are one click; high-severity ones are AMLCO-gated. Accountability follows the law, not convenience.
Evidence & enhanced due diligence
Clients and analysts upload documents; the platform reads them (PDF included), extracts amounts and dates deterministically, and reconciles claimed source of funds against the evidence — gap computed, sign-off ledgered.
Governance & training
Policies with legal anchors and one-click law-change adoption, micro-training per profession with attested records, a living business-wide risk assessment. The assurance engine re-checks all of it nightly: “Are we compliant today?”
The inspection pack
One click produces the complete supervisor-ready dossier: posture report, every client file with its full evidence chain, every decision with its legal basis, list versions, training records. Inspection day becomes an export.
Sceau uses AI for what AI is good at: reading documents, summarising case files, explaining alerts in plain language. Every AI output is labelled, non-binding and flagged for human review — scores, decisions and ledger facts come only from versioned, deterministic rules and from people. That is our reading of both good engineering and the EU AI Act.
Built on the public data spine of Europe
A 126-source catalog across all 27 member states — wired, versioned, and honest about access conditions.
Honesty is a feature: where a register requires credentials, a contract or a legal gateway, the platform says so and tracks it as a visible task — no silent gaps, no pretended coverage.
Compliance as an outcome, not a job
In a representative office quarter, the platform executes the overwhelming majority of AML obligations end-to-end — screening, register checks, deadline management, evidence filing — leaving people only the decisions the law actually assigns to them.
Pricing
One fixed office fee. No per-user tax, no surprises.
Your whole team works in Sceau without a seat surcharge. You pay by active client files in ongoing monitoring — the only metric that scales honestly with an office.
Launch pricing stays visible next to the list price. Join before 31 August 2026 and keep the launch rate for as long as the subscription stays active.
Solo
Up to 25 active client files
For the solo notary, estate agent or accountant who wants one platform that simply runs.
- Full client due diligence, UBO verification, sanctions and PEP screening
- Risk scoring, evidence ledger and supervisor-ready audit trail
- Client portal in 24 EU languages
- Email support
Office
Up to 250 active client files
For the standard notarial study, agency or mid-sized practice that wants the machine to carry the daily load.
- Everything in Solo
- Continuous monitoring with automatic change alerts
- Full inspection pack exportable in minutes
- Specialist-led onboarding included
- Priority support
Group
Up to 750 active client files
For associated offices and groups with multiple branches, local teams and central oversight.
- Everything in Office
- Multi-branch setup with separated rights per office
- Quarterly reporting for the AML lead
- Dedicated contact person
- Central visibility without losing local accountability
Sceau Managed
From €890/month · priced to volume
We do the work. You validate. The office keeps the legal duty and final sign-off; Sceau runs the operational engine with you.
- Our compliance specialists run client due diligence, UBO checks and screening inside your own office environment
- You keep the legal accountability, official status and final decision
- Monthly compliance reporting
- Everything in Group included
- Best fit for offices that want the throughput without hiring an internal AML team
Current rates are shown as launch pricing against the public list price. Existing customers can be grandfathered, and the launch rate remains protected while the subscription stays active.
Questions, answered plainly
What is the AMLR and when does it apply?
The Anti-Money Laundering Regulation (EU) 2024/1624 is the single EU rulebook that replaces national AML laws for obliged entities. It applies from 10 July 2027. Sceau maps every workflow to today's national law and ships an automated, date-gated cut-over to the AMLR articles — you see the diff, you adopt it with one click.
Who is Sceau for?
Non-financial obliged entities: notaries, real-estate agents and developers, accountants and tax advisers, lawyers, trust & company service providers, art-market participants and high-value dealers. If a supervisor can inspect your AML programme, Sceau is built for you.
Does AI make compliance decisions?
No. AI in Sceau reads documents, summarises files and explains alerts — always labelled, always non-binding, always flagged for human review. Risk scores come from versioned deterministic rules; decisions come from your people; high-severity decisions require the AMLCO. The evidence ledger records who decided what, when, on what basis.
Where is our data hosted?
On EU-sovereign infrastructure, in the European Union, under EU jurisdiction — exclusively. Client documents are content-addressed and hash-sealed; every action enters a tamper-evident ledger your supervisor can verify.
What happens at an inspection?
You export the inspection pack: compliance posture with legal anchors, every client file with its complete evidence chain, every decision with its basis and signatory, list versions and training records. What used to be weeks of assembly is one click.
How long does onboarding take?
Your office: about an hour — profession, country, staff, and the platform derives the rest. Your clients: about five minutes each, self-service, in their own language, on any device.
See it run on your own cases
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