AML Outsourcing in Spain
Outsource your anti-money laundering and counter-terrorist financing (AML/CFT) compliance without losing control. We handle the day-to-day work (policies, KYC, beneficial ownership, training, evidence and support) so your business runs on real processes, consistent criteria and documentation ready for information requests and inspections (Law 10/2010 and Royal Decree 304/2014).
AML outsourcing: what we take on
What does AML outsourcing include?
Who is AML outsourcing for?
When does AML/CFT outsourcing make sense?
AML outsourcing is especially useful when you start operating as an obliged entity, your team cannot keep up with the day-to-day work, you change your business model (products, channels or jurisdictions), you detect issues in KYC or beneficial ownership, or you need to raise the level of evidence. The goal: a living, operational system you can show to a supervisor, not a manual sitting in a drawer.
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Benefits of AML/CFT outsourcing
Operational compliance (not compliance on paper)
Workable processes: customer acceptance, KYC, beneficial ownership, enhanced due diligence, record keeping and evidence for each case.
Lower risk of sanctions
We detect and fix typical failures: incomplete customer files, weak evidence, insufficient training or generic procedures.
Savings and scalability
You get a specialized team without overstaffing. It scales with your volume and complexity.
Consistent decisions
Clear, traceable criteria for complex cases: corporate structures, international customers, enhanced due diligence and red flags.
Ready for information requests and inspections
Checklists, templates and an evidence repository to respond quickly and in an orderly way to third parties.
Frequently asked questions about AML outsourcing
What is AML/CFT outsourcing?
AML outsourcing is a service in which a specialized team takes on functions of your anti-money laundering and counter-terrorist financing system: procedures, KYC and beneficial ownership, training, internal control and evidence, while governance and key decisions stay aligned with your business.
Which tasks can be outsourced?
- Risk: assessment and updates, and proportionate measures.
- Documentation: manual and operating procedures.
- KYC / beneficial ownership: checklists, review, consistency and evidence.
- Training: annual plan and attendance records.
- Evidence: record keeping, repository and responses to information requests.
How do you keep control if you outsource?
We define a clear governance model: roles, owners, decision criteria and escalation. You keep control over the risk, and we ensure consistent execution and the evidence you need to prove compliance.
How much does AML outsourcing cost?
It depends on the sector, the number of customers, the complexity (beneficial ownership, enhanced due diligence) and the level of support. Services usually start at €1,995. For an accurate estimate, contact us here.
Official sources
Key legislation, linked to the official text:
- Law 10/2010, of April 28, on the prevention of money laundering and terrorist financingBOE · consolidated text
- Royal Decree 304/2014, of May 5, approving the Regulation of Law 10/2010 on the prevention of money laundering and terrorist financingBOE · consolidated text
Legislation and links reviewed in .