Alert!
Find Every AMLD7 Gap Before AMLA Finds Them For You.
AMLA became the EU's direct AML supervisor on January 1, 2026. The AMLR applies in all 27 Member States from July 10, 2027. AML Watcher maps your program against every requirement and closes what is missing.
Any Industry, Any Scale, We Help All!
The Regulatory Clock Is Already Running
Three of these dates are behind you. If your program still benchmarks against your old national minimum, you're already misaligned with where supervision is heading.
Dec 30, 2024
Travel Rule applies to crypto-asset transfers under the recast Transfer of Funds Regulation.
Jan 1, 2026
AMLA assumes all AML/CFT mandates previously held by the EBA. Existing EBA AML/CFT guidelines remain in force until replaced by AMLA.
2026–2027
AMLA develops the technical standards, supervisory methodologies and guidance needed to implement the EU Single Rulebook.
2027
AMLA carries out the first selection of approximately 40 high-risk cross-border financial institutions for direct supervision beginning in 2028.
Jul 10, 2027
The AMLR becomes directly applicable across all EU Member States, while most AMLD6 provisions must be transposed into national law by the same date.
AMLD7 Does Not Raise the Bar. It Replaces the Floor.
Every prior AMLD was transposed into national law, 27 different benchmarks, from Germany's GwG to Ireland's Criminal Justice Act.
The AMLR replaces all of it with one CDD standard, one PEP standard, one UBO threshold, directly enforceable everywhere. Forum shopping is over.
AMLD7 and the AML Package: A quick clarification
"AMLD7" is industry shorthand for a package of three EU instruments adopted May 30, 2024: the AMLR (Regulation EU 2024/1624), which applies directly from July 10, 2027; AMLD6 (Directive EU 2024/1640), which Member States must transpose by July 10, 2027; and AMLAR (Regulation EU 2024/1620), which establishes AMLA. This page uses "AMLD7" as the industry uses it — to refer to the package as a whole.
If Your Sector Appears Below, AMLD7 Applies to You.
The AMLR significantly expands the list of obliged entities. For sectors newly brought into scope, this is not a compliance upgrade. It is a compliance start from zero, against a fixed deadline, with AMLA enforcement behind it.
Banks and financial institutions
- Stricter CDD/EDD baseline.
- Uniform standards replace national variation.
FinTech and payment service providers
- Expanded obligations.
- Harmonized across all 27 Member States.
Crypto-asset service providers (CASPs)
- Fully obliged from July 10, 2027 under the same CDD and EDD framework as banks.
- Travel Rule already live.
Crowdfunding platforms and intermediaries
- Newly obliged.
- No prior EU-wide AML obligation existed.
Professional football clubs and agents
- Newly obliged.
- Extended application date: July 10, 2029.
Luxury goods dealers (precious metals, gemstones, art)
- Newly obliged.
- EU-wide harmonized framework replaces fragmented national rules.
High-value goods dealers (luxury cars >€250k, yachts, aircraft)
- Newly obliged.
Real estate agents and mortgage intermediaries
- Previously obliged.
- Enhanced UBO identification now mandatory.
Gambling and gaming operators
- Previously obliged.
- Harmonized standards replace national variation.
Legal and accounting professionals
- Previously obliged.
- EU uniform baseline now applies instead of national minimum.
Every Requirement the AMLR Introduces. One Platform That Covers Them All.
CDD
One EU baseline replaces every national standard; EDD decisions must be documented and individually justified, not inferred from policy.
PEP Screening
Deep identity verification using all available data points. Adverse media risk-tagged and contextualised. Auditable decision delivered.
Crypto Screening
CASPs are fully obliged entities under the same CDD and sanctions framework as banks Travel Rule live since December 2024.
UBO Transparency
The AMLR introduces a 15% beneficial ownership threshold in specified higher-risk scenarios, strengthening transparency requirements.
Cash Monitoring
Monitor transactions with pattern detection, typology matching and AI-powered risk analysis. Generate explainable alerts and accelerate investigations.
Every Requirement the AMLR Introduces. One Platform That Covers Them All
PEP Screening All Four FATF Levels, Including the Ones You Are Missing
All four FATF levels, including Level 3 and 4 most competitors miss. 6M+ profiles across 235+ countries, including Crimea, Taiwan and other contested territories others skip.
Adverse Media 50,000+ Sources. Risk Tagging. No False Positive Overload.
50,000+ sources, tagged by risk category — no three-hour queue of irrelevant matches to clear.
UBO and Beneficial Ownership Beyond Public Registers
Uncover hidden ownership using international leaks, corporate records and ownership intelligence to identify complex structures that public registries alone may miss.
Audit-Readiness TruRisk Gives AMLA What It Will Ask For
Structured, auditable reasoning for every flag across PEP, Sanctions, Watchlists and Adverse Media 95% fewer false positives, 70-80% less manual review. When an FIU request lands, the documentation is already there.
CDD / EDD — uniform EU baseline
Watchlist Screening (3,500+ lists), PEP Screening, Adverse Media, Sanctions Screening
PEP — all 4 FATF levels, RCAs
6M+ enriched profiles, all levels covered, RCAs automatic
UBO and beneficial ownership
International Leaks Database
Sanctions — EU, OFAC, UN, MAS
215+ regimes, 15-min refresh, secondary sanctions included
Crypto / CASPs / Travel Rule
415+ risk categories, Travel Rule compliance
€10,000 cash monitoring
10K+ customisable rules
5-day FIU response
Case Management, full audit trail
Ongoing monitoring
Continuous re-screening, real-time status alerts
AMLA audit trail
TruRisk — structured reasoning, every flag
High-risk third country EDD
Precise Screening, geographic risk tagging
AMLA Is Not a Directive. It Has Been Your Supervisor Since January 2026.
Previous AMLDs let firms choose lower-scrutiny jurisdictions. The AMLR ends that. AMLA has run EU AML supervision since January 1, 2026 and national supervisors are already applying its standards. Luxembourg's CSSF realigned its questionnaires before the AMLR even applies.
AMLA can fine institutions up to 10% of annual group turnover or €10 million, restrict or suspend business activities, require governance changes and publicly disclose every enforcement decision by entity name, violation and sanction imposed. It does not wait for a breach. It can act where it identifies the risk of one.
Find Your AMLD7 GapsThe Cost of Waiting
Waiting until 2027 to start your gap review means waiting until AMLA already has a view of your program.
What AMLA Will Actually Want to See
This is not a documentation review. Every dismissed alert, every EDD decision, every SAR filing needs an auditable trail a regulator can follow without your explanation.
TruRisk Agent
Generates exactly that. Structured, documented reasoning for every flag. Not a score. A justification that survives scrutiny.
AMLD7 Readiness Checklist
Most programs fail regulatory reviews on evidence, not policy. The absence of documented reasoning is what fails them. Run through this list. Any unchecked item is a gap AMLA will surface before July 2027.
CDD and Risk Assessment
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01
CDD procedures are benchmarked against the AMLR uniform standard — not the previous national minimum
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02
EDD is applied systematically to higher-risk relationships, with individual documented reasoning for each decision
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03
Risk-based approach decisions are structured and auditable — not inferred from general policy
PEP Screening
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01
All four FATF PEP levels are covered — including Level 3 (provincial, judicial) and Level 4 (local officials)
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02
RCAs are screened automatically alongside the PEP, not as a manual secondary step
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03
PEP status changes generate real-time alerts and trigger immediate re-screening
Sanctions Screening
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01
Coverage includes EU, OFAC, UN and MAS regimes as a minimum
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02
Secondary sanctions exposure is assessed — not just direct SDN list matching
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03
Screening is real-time or near real-time — weekly batch is not sufficient
Beneficial Ownership
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01
UBO identification penetrates shell company structures and nominee arrangements beyond public register entries
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02
25% threshold monitoring is in place, with the ability to lower to 15% for high-risk sectors
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03
Leaks database coverage is in use for complex ownership structures where public data is insufficient
Reporting and Audit Trail
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01
FIU response capability meets the five working day mandate — tested operationally, not just in policy
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02
Every screening decision — to flag, escalate, dismiss or report — is documented with structured reasoning
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03
Case management system generates regulator-ready audit trails without manual reconstruction after the fact
If three or more items are unchecked, your program has material gaps. AML Watcher shows you exactly where, and closes them before AMLA asks.
Know Every Gap.
Before AMLA Does
We map your full AMLD7 exposure in 30 minutes.
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✓
Every AMLD7 requirement checked
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✓
Every gap found before your regulator does
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✓
Actionable next steps, not a sales pitch