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Strumento di prontezza AMLR 2027

Valuta il tuo programma AML/CFT rispetto al codice unico dell'UE (Regulation (EU) 2024/1624, che si applica dal 10 luglio 2027) su valutazione dei rischi, CDD/EDD, titolarità effettiva, governance e segnalazioni, ed esporta un elenco prioritizzato di lacune.

Stai affrontando il cambiamento? Leggi la guida alla prontezza 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.

Una scadenza inderogabile nel 2027

L'AMLR si applica dal 10 luglio 2027 senza periodo transitorio per la maggior parte degli obblighi. Esegui ora la tua gap analysis, finché c'è tempo per porre rimedio.

Con punteggio, non solo un elenco

Ogni area di obbligo è valutata con una percentuale di prontezza e un elenco prioritizzato di lacune che puoi esportare in Markdown o CSV.

Dalle lacune al controllo in fase di esecuzione

I controlli AML che mappi qui sono quelli che un agente AML deve far rispettare in fase di esecuzione: governa per esecuzione, non per documentazione.

Avvertenza: Questo strumento ti aiuta a valutare la prontezza rispetto agli standard AMLR, AMLD6 e AMLA. Non costituisce consulenza legale. Verifica i tuoi obblighi con un consulente qualificato man mano che gli standard tecnici AMLA vengono finalizzati.

Checklist di prontezza AMLR 2027: strumento gratuito di gap analysis | KLA