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Outil de préparation à l'AMLR 2027

Évaluez votre programme AML/CFT par rapport au corpus réglementaire unique de l'UE (Regulation (EU) 2024/1624, applicable le 10 juillet 2027) pour l'évaluation des risques, la CDD/EDD, les bénéficiaires effectifs, la gouvernance et la déclaration, et exportez une liste d'écarts priorisée.

Vous gérez le changement ? Lisez le guide de préparation à l'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.

Une échéance ferme en 2027

L'AMLR s'applique le 10 juillet 2027 sans période transitoire pour la plupart des obligations. Réalisez votre analyse d'écarts dès maintenant, tant qu'il reste du temps pour remédier.

Noté, pas une simple liste

Chaque domaine d'obligation est noté sous forme de pourcentage de préparation, avec une liste d'écarts priorisée que vous pouvez exporter en Markdown ou CSV.

Des écarts au contrôle à l'exécution

Les contrôles AML que vous cartographiez ici sont ceux qu'un agent AML doit faire respecter à l'exécution: gouvernez par l'exécution, pas par la paperasse.

Avertissement : Cet outil vous aide à évaluer votre préparation par rapport aux normes de l'AMLR, de l'AMLD6 et de l'AMLA. Il ne constitue pas un conseil juridique. Confirmez vos obligations auprès d'un conseil qualifié à mesure que les normes techniques de l'AMLA sont finalisées.

Liste de contrôle de préparation à l'AMLR 2027 : outil gratuit d'analyse d'écarts | KLA