Anti-money laundering built on a risk assessment that holds up.
The risk assessment is the foundation of every AML programme – and a frequent source of audit findings. We help obliged entities assess risk transparently, derive controls from it and prepare for the new EU framework with the AMLR and AMLA.
When to bring us in
- The risk assessment is outdated, too generic or not linked to the controls.
- Country risk is rated inconsistently – every department uses a different list.
- Audit findings have to be closed on time and with evidence.
- The EU AML Regulation applies from 10 July 2027 – processes and policies need to change.
- Criteria, quality and documentation of suspicious activity reports need to improve.
What we do for you
- 01
Business-wide risk assessment
Method, data, rating and documentation – as a living instrument you can update, not a one-off project.
- 02
Country risk methodology
A transparent country risk model built from official sources – FATF, the EU high-risk list, sanctions, the EU tax list – without invented scores and directly usable in TFI RiskChart.
- 03
Due diligence and internal controls
Policies, KYC and enhanced due diligence processes and monitoring scenarios, aligned with your risks.
- 04
Suspicious activity reporting
Criteria, review and decision process, documentation and filings to the Financial Intelligence Unit via goAML.
- 05
AMLR readiness
Gap analysis against the AMLR, the Sixth AML Directive and the expectations of the new EU authority AMLA – with a prioritised implementation plan.
- 06
Audit preparation and remediation
Preparation for audits and inspections, closing findings and lookbacks with robust documentation.
Deliverables that last
- Risk assessment with methodology document
- Country risk model with source register
- Policies and procedures
- AMLR gap analysis and implementation plan
- Remediation tracker with evidence
- Training materials
Our tools for this
One access point for country risk, regulatory change and reviews – the results of our advice keep running here day to day.
The country view for your risk assessment: official classifications with source, date and methodology version, updated daily; export with source attribution in the full edition.
FATF, AMLA, EBA, FinCEN and national supervisors – what changed and what it means, every morning.
If trade finance is part of your business: TBML typologies and network checks per transaction, with evidence in the audit log.
- Regulation (EU) 2024/1624 – EU AML Regulation (AMLR), applies from 10 July 2027
- Directive (EU) 2015/849 (4th AML Directive) as amended, including by Directive (EU) 2018/843
- Directive (EU) 2024/1640 (AMLD6) and Regulation (EU) 2024/1620 (AMLA)
- FATF Recommendations and mutual evaluations
- Delegated Regulation (EU) 2016/1675 – high-risk third countries
- Germany: Anti-Money Laundering Act (GwG)
- Germany: BaFin interpretation and application guidance on the GwG
Frequently asked questions
Who has to carry out a risk assessment?
Every obliged entity under EU AML law (Directive (EU) 2015/849 as amended, the AMLR from 10 July 2027) and national law – from credit and financial services institutions to payment and e-money institutions and traders in goods. Scope and depth depend on the type and size of the business.
What changes with the AMLR?
The EU AML Regulation applies directly in all member states from 10 July 2027. Among other things it harmonises due diligence, beneficial ownership rules and cash limits. In parallel, the new EU authority AMLA gradually takes on supervisory tasks. The time until then is well spent on a structured gap analysis.
How do country risk and TFI RiskChart fit together?
The country view is a mandatory part of the risk assessment. TFI RiskChart shows official classifications with source and date – so the rating is transparent and can be kept up to date.
Other practice areas
AML/CFT: let’s talk about your case.
In a demo we show you TFI TradeCore on your products, countries and use cases – and discuss where advisory or an audit gives you the most leverage. No obligation, confidential, and with specialists in trade finance.
or write to info@tradefinance-intelligence.com