Regulations · Regulation explained
EU Anti-Money-Laundering Regulation (AMLR)
The AMLR replaces the patchwork of national AML laws with one directly applicable European rulebook. For non-financial professions this is the biggest compliance change in a generation: the same articles apply from Lisbon to Tallinn, and supervisors will read your file against them literally.
The requirements, article by article
Know whether you are covered
The regulation lists the obliged entities exhaustively — including notaries, lawyers and accountants when they handle transactions, estate agents, trust and company service providers, high-value goods dealers and gambling services.
In Sceau — The scope-check and office profile derive your applicable duties from profession, jurisdiction and activities.
Policies, procedures and controls
Every obliged entity needs written, board-approved policies proportionate to its size and risk — covering due diligence, reporting, record-keeping and internal controls.
In Sceau — The governance workspace holds versioned policies with approval trails.
Business-wide risk assessment
You must document the ML/TF risks of your own practice — clients, geographies, services, channels — and keep the assessment current.
In Sceau — The BWRA module builds and versions the assessment from your actual client base.
A named compliance officer
A compliance manager at management level and a compliance officer (AMLCO) must be designated, with the authority and resources to do the job.
In Sceau — Role gating routes high-severity decisions to the designated AMLCO.
Trained, screened staff
Employees must be trained on the rules relevant to their function, and staff in sensitive roles vetted for integrity.
In Sceau — The training module tracks completion per person with dated evidence.
Know when CDD applies
Due diligence is triggered by a business relationship, an occasional transaction of EUR 10,000 or more (also in linked instalments), crypto transfers from EUR 1,000, gambling stakes or winnings from EUR 2,000, any suspicion, or doubts about earlier data.
In Sceau — The engagement classifier applies art. 19 live while you type — including the 365-day linked-transaction watch.
Identify and verify
CDD means identifying the customer and beneficial owners, verifying against reliable documents or eID, understanding the ownership structure, and checking targeted financial sanctions.
In Sceau — Portal eID flows, office intake and MRZ document verification write one evidence chain; screening runs on completion.
Understand and monitor
You must understand the purpose and intended nature of the relationship and monitor transactions against that picture, keeping documents up to date.
In Sceau — Transaction typologies and bank-statement imports flag deviations; expiry sweeps force re-verification.
Enhanced due diligence where risk is high
High-risk third countries and other elevated-risk situations require enhanced measures — more evidence, senior approval, closer monitoring.
In Sceau — Mandatory-EDD routing escalates these files to the decision queue automatically.
Politically exposed persons
Prominent public functions per the published EU and national lists trigger enhanced measures, extending to family members and close associates and, risk-based, at least 12 months after the function ends.
In Sceau — Function packs for BE/NL/LU/FR/DE structure the determination; positive and negative determinations are both ledgered.
Keep the records
CDD records and transaction evidence must be retained — as a rule five years — and be producible for the supervisor.
In Sceau — The hash-chained evidence ledger makes every record reproducible and tamper-evident.
Respect the cash limit
An EU-wide cap of EUR 10,000 applies to cash payments, with member states free to go lower; professional sector rules can be stricter still.
In Sceau — National cash packs enforce the correct cap per country and sector, including the Belgian real-estate prohibition.
This page is a plain-language orientation, not legal advice. Article numbering follows the instrument as published in the Official Journal; where implementing technical standards are still in draft, we say so. The legal text always prevails.
All regulations
See it running against your own files
A 30-minute demo walks your real obligations through the platform — classification, screening, evidence, filing.
Book a demo