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Herramienta gratuita

Herramienta de preparación AMLR 2027

Evalúa tu programa AML/CFT frente al código normativo único de la UE (Regulation (EU) 2024/1624, que se aplica el 10 July 2027) en evaluación de riesgos, CDD/EDD, titularidad real, gobernanza y reporte, y exporta una lista priorizada de brechas.

¿Estás abordando el cambio? Lee la guía de preparación AMLR 2027.

AMLR readiness: 0%

Assessed 0/19 · 0 gaps

Business-wide risk assessment (Article 10)

AMLR requires a documented, up-to-date business-wide risk assessment that informs your controls.

Documented business-wide risk assessment, kept current and approved

Documented business-wide risk assessment, kept current and approved

AMLR Art 10

Risk assessment reflects AMLA / EBA risk factors and the EU SNRA

Risk assessment reflects AMLA / EBA risk factors and the EU SNRA

AMLR Art 10; SNRA

Inherent vs residual risk methodology defined and applied

Inherent vs residual risk methodology defined and applied

Map controls to inherent risk to evidence the residual position.

Customer due diligence (CDD / EDD)

The AMLR harmonises CDD triggers, the occasional-transaction threshold and EDD.

CDD on all new customers and occasional transactions at or above EUR 10,000

CDD on all new customers and occasional transactions at or above EUR 10,000

AMLR Arts 19-20

Enhanced due diligence triggers defined (high-risk third countries, PEPs, complex/unusual)

Enhanced due diligence triggers defined (high-risk third countries, PEPs, complex/unusual)

AMLR Arts 34-44

Ongoing monitoring and risk-based periodic CDD refresh

Ongoing monitoring and risk-based periodic CDD refresh

AMLR Art 26

Beneficial ownership (UBO)

AMLR sets the beneficial-ownership threshold at 25% or more (replacing "more than 25%") and tightens verification.

Beneficial owners identified at the 25%-or-more threshold

Beneficial owners identified at the 25%-or-more threshold

AMLR Art 51

UBO information verified, including against the beneficial-ownership registers

UBO information verified, including against the beneficial-ownership registers

AMLR Arts 22, 62

Layered / nominee ownership structures unwound and documented

Layered / nominee ownership structures unwound and documented

AMLR Art 51

Internal policies, controls and governance

Group-wide AML/CFT policies, controls and procedures

Group-wide AML/CFT policies, controls and procedures

AMLR Arts 9, 16

AML compliance officer and a manager responsible at management-body level

AML compliance officer and a manager responsible at management-body level

AMLR Art 11

Independent audit of the AML/CFT function

Independent audit of the AML/CFT function

AMLR Art 9

Staff training programme with completion records

Staff training programme with completion records

AMLR Art 12

Reporting, record-keeping and sanctions

SAR/STR filing process to the FIU, able to answer requests within 5 working days

SAR/STR filing process to the FIU, able to answer requests within 5 working days

AMLR Arts 69-70

Record-keeping and retention (5 years) with tipping-off controls

Record-keeping and retention (5 years) with tipping-off controls

AMLR Arts 77-79

Targeted financial sanctions screening against EU lists

Targeted financial sanctions screening against EU lists

AMLR Art 9a

EUR 10,000 EU-wide cash payment limit controls

EUR 10,000 EU-wide cash payment limit controls

AMLR Art 80

AMLA readiness

Mapping to AMLA technical standards / RTS as they are published

Mapping to AMLA technical standards / RTS as they are published

AMLAR; AMLR

Readiness for AMLA direct supervision (if a selected obliged entity)

Readiness for AMLA direct supervision (if a selected obliged entity)

AMLAR Arts 12-16

Prioritised gaps
19 item(s) to address
  • Documented business-wide risk assessment, kept current and approved , Not assessed
  • Risk assessment reflects AMLA / EBA risk factors and the EU SNRA , Not assessed
  • Inherent vs residual risk methodology defined and applied , Not assessed
  • CDD on all new customers and occasional transactions at or above EUR 10,000 , Not assessed
  • Enhanced due diligence triggers defined (high-risk third countries, PEPs, complex/unusual) , Not assessed
  • Ongoing monitoring and risk-based periodic CDD refresh , Not assessed
  • Beneficial owners identified at the 25%-or-more threshold , Not assessed
  • UBO information verified, including against the beneficial-ownership registers , Not assessed
  • Layered / nominee ownership structures unwound and documented , Not assessed
  • Group-wide AML/CFT policies, controls and procedures , Not assessed
  • AML compliance officer and a manager responsible at management-body level , Not assessed
  • Independent audit of the AML/CFT function , Not assessed
  • + 7 more in the export.

Export your scored assessment and prioritised gap list. Everything stays in your browser : nothing is uploaded.

Un plazo firme en 2027

El AMLR se aplica el 10 July 2027 sin transición para la mayoría de las obligaciones. Realiza tu análisis de brechas ahora, mientras hay tiempo para subsanar.

Puntuado, no solo una lista

Cada área de obligación se puntúa con un porcentaje de preparación junto con una lista priorizada de brechas que puedes exportar a Markdown o CSV.

De las brechas al control en tiempo de ejecución

Los controles AML que mapeas aquí son los que un agente de AML debe aplicar en la ejecución: gobierna por ejecución, no por papeleo.

Aviso legal: Esta herramienta te ayuda a evaluar la preparación frente a los estándares de AMLR, AMLD6 y AMLA. No constituye asesoramiento jurídico. Confirma tus obligaciones con asesores cualificados a medida que se finalizan los estándares técnicos de la AMLA.

Lista de verificación de preparación AMLR 2027: herramienta gratuita de evaluación de brechas | KLA