{"id":4333,"date":"2026-08-25T17:47:01","date_gmt":"2026-08-25T15:47:01","guid":{"rendered":"https:\/\/eterrapartners.com\/?p=4333"},"modified":"2026-10-06T11:51:36","modified_gmt":"2026-10-06T09:51:36","slug":"anti-money-laundering-countering-the-financing-of-terrorism","status":"publish","type":"post","link":"https:\/\/eterrapartners.com\/en\/news\/anti-money-laundering-countering-the-financing-of-terrorism\/","title":{"rendered":"Anti-Money Laundering and Countering the Financing of Terrorism (AML\/CFT): the complete guide"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"4333\" class=\"elementor elementor-4333 elementor-4332\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0a20444 e-con-full e-flex e-con e-parent\" data-id=\"0a20444\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-cf7fab5 e-con-full e-flex e-con e-child\" data-id=\"cf7fab5\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8e150ee elementor-widget elementor-widget-heading\" data-id=\"8e150ee\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">Key takeaways:<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4c5cad2 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"4c5cad2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">AML\/CFT refers to all the rules imposed on professionals to prevent, detect and report money laundering and terrorist financing.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Who is concerned? The financial sector historically, but also many non-financial professions, including SMEs and mid-sized companies. <\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Three pillars structure the framework: customer identification, transaction monitoring and suspicious transaction reporting to Tracfin.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">2026\u20132027 timeline: the new European package, with its 6th directive and the AMLA authority, will reshape the framework by July 2027.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-89e79ef e-con-full e-flex e-con e-parent\" data-id=\"89e79ef\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1cb839b elementor-widget elementor-widget-heading\" data-id=\"1cb839b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">AML\/CFT: what is it? Definition and key challenges <\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c6e328e e-con-full e-flex e-con e-parent\" data-id=\"c6e328e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9e06f0a elementor-widget elementor-widget-text-editor\" data-id=\"9e06f0a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Behind this somewhat technical acronym lies a major issue for every company. AML\/CFT aims to prevent criminal money from entering the legitimate economy. It is an area where governance and compliance come together, and where support from  <\/span><a href=\"https:\/\/eterrapartners.com\/en\/our-compliance-expertise\/compliance-deployment\/\"><span style=\"font-weight: 400;\">corporate governance experts<\/span><\/a><span style=\"font-weight: 400;\"> experts makes a difference.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3da6670 e-con-full e-flex e-con e-child\" data-id=\"3da6670\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-cc73d4e elementor-widget elementor-widget-heading\" data-id=\"cc73d4e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">The official definition of AML\/CFT\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9e78ab9 elementor-widget elementor-widget-text-editor\" data-id=\"9e78ab9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">AML\/CFT, or anti-money laundering and countering the financing of terrorism, refers to all the regulatory obligations imposed on regulated professionals. <\/span><b>Their purpose: to detect, prevent and report suspicious financial transactions.<\/b><span style=\"font-weight: 400;\">. In France, this framework is based on<\/span><a href=\"https:\/\/www.legifrance.gouv.fr\/codes\/article_lc\/LEGIARTI000020196700\"> <span style=\"font-weight: 400;\">Articles L.561-1<\/span><\/a> <span style=\"font-weight: 400;\">and following of the French Monetary and Financial Code. It relies on a risk-based approach, in accordance with European directives and the recommendations of the FATF, the Financial Action Task Force. <\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6b856e6 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"6b856e6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4c1a7d0 elementor-widget elementor-widget-image\" data-id=\"4c1a7d0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"800\" height=\"518\" src=\"https:\/\/eterrapartners.com\/wp-content\/uploads\/1-2.webp\" class=\"attachment-large size-large wp-image-4348\" alt=\"Exchange of banknotes illustrating money laundering and terrorist financing\" srcset=\"https:\/\/eterrapartners.com\/wp-content\/uploads\/1-2.webp 850w, https:\/\/eterrapartners.com\/wp-content\/uploads\/1-2-300x194.webp 300w, https:\/\/eterrapartners.com\/wp-content\/uploads\/1-2-768x497.webp 768w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a41016d e-con-full e-flex e-con e-child\" data-id=\"a41016d\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-11283cb elementor-widget elementor-widget-heading\" data-id=\"11283cb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Money laundering and terrorist financing: two concepts to distinguish\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cd68313 elementor-widget elementor-widget-text-editor\" data-id=\"cd68313\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">The acronym covers two distinct offences, but ones that are often linked in practice:<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Money laundering<\/b><span style=\"font-weight: 400;\"> reintroduces illicitly sourced funds into the legitimate economy. These funds may, for example, come from drug trafficking, tax fraud or corruption. <\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Terrorist financing<\/b><span style=\"font-weight: 400;\"> works in the opposite way: the funds may come from a legal source, but are used to finance terrorist acts. The framework addresses these two risks together because they exploit the same weaknesses in the system. <\/span><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d4b9153 elementor-widget elementor-widget-heading\" data-id=\"d4b9153\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">The historical origins of the AML\/CFT framework<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fad06e3 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"fad06e3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e06aca7 elementor-widget elementor-widget-text-editor\" data-id=\"e06aca7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">It all began with the first European directive in 1991, which focused on money laundering. The scope was then expanded to terrorist financing and subsequently refined with each new directive. This development was based on the recommendations of the FATF, created in 1989. Since then, the regulations have continued to become more stringent.   <\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ba9d8fa elementor-widget elementor-widget-heading\" data-id=\"ba9d8fa\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">The AML\/CFT regulatory framework in France and Europe<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5601177 e-con-full e-flex e-con e-child\" data-id=\"5601177\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-eafe0bc elementor-widget elementor-widget-text-editor\" data-id=\"eafe0bc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">The regulatory framework is built at two levels. Europe sets the direction through directives and regulations. France transposes them into national law and ensures their enforcement. This two-tier structure explains the breadth of the framework applicable to companies.   <\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7a1f9da elementor-cta--skin-classic elementor-animated-content elementor-bg-transform elementor-bg-transform-zoom-in elementor-widget elementor-widget-call-to-action\" data-id=\"7a1f9da\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"call-to-action.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-cta\">\n\t\t\t\t\t<div class=\"elementor-cta__bg-wrapper\">\n\t\t\t\t<div class=\"elementor-cta__bg elementor-bg\" style=\"background-image: url(https:\/\/eterrapartners.com\/wp-content\/plugins\/elementor\/assets\/images\/placeholder.png);\" role=\"img\" aria-label=\"\"><\/div>\n\t\t\t\t<div class=\"elementor-cta__bg-overlay\"><\/div>\n\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-cta__content\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-content-item elementor-cta__content-item elementor-icon-wrapper elementor-cta__icon elementor-view-default\">\n\t\t\t\t\t\t<div class=\"elementor-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"far fa-compass\"><\/i>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<h2 class=\"elementor-cta__title elementor-cta__content-item elementor-content-item\">\n\t\t\t\t\t\tWould you like to learn more about Anti-Money Laundering?\t\t\t\t\t<\/h2>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-cta__description elementor-cta__content-item elementor-content-item\">\n\t\t\t\t\t\tOur experts help you assess your vulnerabilities and structure your framework.\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-cta__button-wrapper elementor-cta__content-item elementor-content-item \">\n\t\t\t\t\t<a class=\"elementor-cta__button elementor-button elementor-size-\" href=\"https:\/\/eterrapartners.com\/en\/contactez-eterra-partners\/\">\n\t\t\t\t\t\tRequest a free assessment\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-29a30f0 e-con-full e-flex e-con e-child\" data-id=\"29a30f0\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-707a818 elementor-widget elementor-widget-heading\" data-id=\"707a818\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">The French Monetary and Financial Code<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8fdc722 elementor-widget elementor-widget-text-editor\" data-id=\"8fdc722\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">In France, everything starts with the Monetary and Financial Code. Articles L.561-1 and following define the persons subject to the rules, their due diligence obligations and the applicable penalties.  <\/span><b>Two authorities oversee compliance with these rules:<\/b><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The ACPR, operating under the Banque de France, supervises banks and insurers.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The AMF regulates market participants.<\/span><\/li><\/ul><p><span style=\"font-weight: 400;\">Tracfin, finally, receives and analyses reports.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bb9a30d elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"bb9a30d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-529e0a9 e-con-full e-flex e-con e-child\" data-id=\"529e0a9\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4f8629e elementor-widget elementor-widget-heading\" data-id=\"4f8629e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">The European AML\/CFT Directives (4th, 5th and 6th)<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ae33d1f elementor-widget elementor-widget-text-editor\" data-id=\"ae33d1f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">The European Union has built its framework through successive waves. The 4th Directive introduced a graduated risk-based approach. The 5th Directive, transposed into French law in February 2020, strengthened transaction transparency. Then came the major turning point. In June 2024, Europe adopted a comprehensive \u201cAML package\u201d, including the 6th AML\/CFT Directive (EU Directive 2024\/1640). This should not be confused with the 2018 criminal law directive, known as \u201c6AMLD\u201d, which focuses solely on the criminalisation of money laundering.     <\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-895a6d5 e-flex e-con-boxed e-con e-child\" data-id=\"895a6d5\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-fd92d05 elementor-widget elementor-widget-image\" data-id=\"fd92d05\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"800\" height=\"437\" src=\"https:\/\/eterrapartners.com\/wp-content\/uploads\/Design-sans-titre-2026-05-04T183500.916-1024x559.jpg\" class=\"attachment-large size-large wp-image-3359\" alt=\"Flag of Europe\" srcset=\"https:\/\/eterrapartners.com\/wp-content\/uploads\/Design-sans-titre-2026-05-04T183500.916-1024x559.jpg 1024w, https:\/\/eterrapartners.com\/wp-content\/uploads\/Design-sans-titre-2026-05-04T183500.916-300x164.jpg 300w, https:\/\/eterrapartners.com\/wp-content\/uploads\/Design-sans-titre-2026-05-04T183500.916-768x419.jpg 768w, https:\/\/eterrapartners.com\/wp-content\/uploads\/Design-sans-titre-2026-05-04T183500.916.jpg 1408w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-50b73ba e-con-full e-flex e-con e-child\" data-id=\"50b73ba\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e397c4c elementor-widget elementor-widget-heading\" data-id=\"e397c4c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">AMLA: the new European anti-money laundering authority<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d85bcd1 elementor-widget elementor-widget-text-editor\" data-id=\"d85bcd1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">This is the major new development introduced by the 2024 package. AMLA, or the Authority for Anti-Money Laundering and Countering the Financing of Terrorism, was established by EU Regulation 2024\/1620. Based in Frankfurt, it began operations in July 2025.  <\/span><b> Its mission is twofold: to directly supervise around forty major cross-border entities and coordinate national authorities.<\/b><\/p><p><span style=\"font-weight: 400;\">In France, the ACPR and AMF remain the supervisors for the vast majority of regulated entities. The new European framework will fully apply from 10 July 2027, and AMLA\u2019s direct supervision will begin on 1 January 2028. <\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6eebbe2 elementor-widget elementor-widget-heading\" data-id=\"6eebbe2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Who is subject to AML\/CFT obligations?\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-76f177f elementor-widget elementor-widget-text-editor\" data-id=\"76f177f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">The question comes up constantly, and the answer is often surprising. The scope of the obligations extends far beyond the banking sector alone. In France, fifty professions are subject to them.  <\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-dd821c4 e-con-full e-flex e-con e-child\" data-id=\"dd821c4\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-85672c4 elementor-widget elementor-widget-heading\" data-id=\"85672c4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Traditionally regulated financial professions<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-67dcda8 elementor-widget elementor-widget-text-editor\" data-id=\"67dcda8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><b>The core of the framework remains the financial sector. <\/b><span style=\"font-weight: 400;\">Banks, credit institutions, insurance companies and digital asset service providers are on the front line. The insurance sector deserves particular attention, as life insurance can be used as a vehicle for money laundering. <\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-9264c83 e-con-full e-flex e-con e-child\" data-id=\"9264c83\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-dfdc96c elementor-widget elementor-widget-heading\" data-id=\"dfdc96c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Non-financial professions and new entrants<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-48df5c7 elementor-widget elementor-widget-text-editor\" data-id=\"48df5c7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">The scope has expanded significantly. Notaries, lawyers, accountants, real estate agents, casinos and company domiciliation firms are now also concerned. The 2024 European package adds new entrants, such as luxury goods businesses. This sector also saw reports increase by 254% in one year, although it remains behind the overall flow.   <\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ebe8c54 e-con-full e-flex e-con e-parent\" data-id=\"ebe8c54\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-26780df e-con-full e-flex e-con e-child\" data-id=\"26780df\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-bc14254 elementor-widget elementor-widget-heading\" data-id=\"bc14254\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">SMEs and mid-sized companies: when AML\/CFT applies to you<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9242e66 elementor-widget elementor-widget-text-editor\" data-id=\"9242e66\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Many SME and mid-sized company executives think the subject is reserved for large banks. This is a common misconception.  <\/span><b>As soon as an activity involves consulting, lending, investment or certain transactions, the regulations may apply.<\/b><span style=\"font-weight: 400;\">. An appropriate framework then becomes essential. Working with a <\/span><a href=\"https:\/\/eterrapartners.com\/en\/our-compliance-expertise\/corporate-governance\/\"> <span style=\"font-weight: 400;\">compliance consulting firm<\/span><\/a><span style=\"font-weight: 400;\"> allows you to clarify your situation. You can then build an AML\/CFT framework proportionate to your actual exposure, without unnecessarily adding complexity to your internal processes. <\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-307545d elementor-widget elementor-widget-image\" data-id=\"307545d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"800\" height=\"518\" src=\"https:\/\/eterrapartners.com\/wp-content\/uploads\/2-5.webp\" class=\"attachment-large size-large wp-image-4347\" alt=\"SMEs and small businesses subject to anti-money laundering requirements\" srcset=\"https:\/\/eterrapartners.com\/wp-content\/uploads\/2-5.webp 850w, https:\/\/eterrapartners.com\/wp-content\/uploads\/2-5-300x194.webp 300w, https:\/\/eterrapartners.com\/wp-content\/uploads\/2-5-768x497.webp 768w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ca91349 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"ca91349\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-21ba6a2 elementor-widget elementor-widget-heading\" data-id=\"21ba6a2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">AML\/CFT risk classification: methodology and steps\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7db5c92 elementor-widget elementor-widget-text-editor\" data-id=\"7db5c92\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">The entire modern framework is based on a simple idea: not all customers present the same level of risk. Risk classification therefore consists of assessing each situation in order to adapt the level of due diligence. This is the foundation of any effective framework.  <\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-418842a e-con-full e-flex e-con e-child\" data-id=\"418842a\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a5260f5 elementor-widget elementor-widget-heading\" data-id=\"a5260f5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Why AML\/CFT risk classification is essential\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d370c5b elementor-widget elementor-widget-text-editor\" data-id=\"d370c5b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Without classification, it is impossible to focus efforts where they matter. This mapping  <\/span><b>makes it possible to allocate the right resources to the right risks. <\/b><span style=\"font-weight: 400;\">It avoids treating a known local customer and an opaque entity based in a third country in the same way. It is also a regulatory requirement, monitored by the authorities. <\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-19aa4e0 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"19aa4e0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ae09d04 e-con-full e-flex e-con e-child\" data-id=\"ae09d04\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-020416e elementor-widget elementor-widget-heading\" data-id=\"020416e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">The 4 areas of analysis: customer, product, channel, geographical area<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-364f3e2 elementor-widget elementor-widget-text-editor\" data-id=\"364f3e2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">The assessment is based on four complementary areas:<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The first concerns the customer: their profile, their business activity and any politically exposed person status. This preliminary verification has a name: <\/span> <a href=\"https:\/\/eterrapartners.com\/en\/news\/what-is-due-diligence\/\"> <span style=\"font-weight: 400;\">due diligence<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The second concerns the product or service.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The third examines the distribution channel, particularly remote relationships.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The last focuses on the geographical area and exposure to high-risk third countries.<\/span><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ba11dcf elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"ba11dcf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-9371580 e-con-full e-flex e-con e-child\" data-id=\"9371580\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-58dc4b7 elementor-widget elementor-widget-heading\" data-id=\"58dc4b7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">The 3 levels of due diligence: simplified, standard, enhanced\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-457b835 e-grid e-con-full e-con e-child\" data-id=\"457b835\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-3ed0d3a e-grid e-con-full e-con e-child\" data-id=\"3ed0d3a\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-46e5a16 elementor-widget elementor-widget-heading\" data-id=\"46e5a16\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">Simplified due diligence applies to low-risk situations.\n<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1ae78a3 e-grid e-con-full e-con e-child\" data-id=\"1ae78a3\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6c2a23c elementor-widget elementor-widget-heading\" data-id=\"6c2a23c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">Standard due diligence constitutes the ordinary regime.<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a08f3d0 e-grid e-con-full e-con e-child\" data-id=\"a08f3d0\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-419bf08 elementor-widget elementor-widget-heading\" data-id=\"419bf08\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">Enhanced due diligence is required in the face of high risks, for example in the case of a politically exposed person or a complex business relationship.\n<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5a3b47d elementor-widget elementor-widget-text-editor\" data-id=\"5a3b47d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Each level involves proportionate measures.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9f2a369 elementor-widget elementor-widget-heading\" data-id=\"9f2a369\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">The operational obligations of the AML\/CFT framework<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-15738a7 elementor-widget elementor-widget-text-editor\" data-id=\"15738a7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Once the risks have been classified, it is time for action. The framework is based on three major operational obligations. Together, they form a coherent chain, from the start of the business relationship through to the reporting of anomalies.  <\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-9d6f3d1 e-con-full e-flex e-con e-child\" data-id=\"9d6f3d1\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1839569 elementor-widget elementor-widget-heading\" data-id=\"1839569\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Customer identification and know-your-customer (KYC)\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fe6a0f7 elementor-widget elementor-widget-text-editor\" data-id=\"fe6a0f7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">It all starts with knowing your customer, or KYC for \u201cKnow Your Customer\u201d. Before entering into a business relationship,  <\/span><b>the company must verify the identity of its customer and identify the actual beneficial owner.<\/b><span style=\"font-weight: 400;\"> Customer knowledge then continues throughout the relationship.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-9365a00 e-con-full e-flex e-con e-child\" data-id=\"9365a00\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-72f7166 elementor-widget elementor-widget-heading\" data-id=\"72f7166\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Ongoing transaction monitoring<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f8ce45c elementor-widget elementor-widget-text-editor\" data-id=\"f8ce45c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Knowing your customer is not enough. Constant vigilance must then be exercised over their transactions.  <\/span><b>The objective is to identify unusual transactions or transactions that are inconsistent with the known profile.<\/b><span style=\"font-weight: 400;\"> This monitoring increasingly relies on automated tools. However, the rise of artificial intelligence raises new challenges. An  <\/span><a href=\"https:\/\/eterrapartners.com\/en\/our-compliance-expertise\/corporate-governance-2\/\"> <span style=\"font-weight: 400;\">AI Act compliance consulting firm<\/span><\/a><span style=\"font-weight: 400;\"> can provide guidance on this issue. Our <\/span> <a href=\"https:\/\/eterrapartners.com\/en\/news\/ai-act-how-to-bring-your-company-into-compliance\/\"><span style=\"font-weight: 400;\">IA Act guide<\/span><\/a><span style=\"font-weight: 400;\"> details these implications for SMEs and mid-sized companies.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3ec7517 e-con-full e-flex e-con e-child\" data-id=\"3ec7517\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e58d780 elementor-widget elementor-widget-heading\" data-id=\"e58d780\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Suspicious transaction reporting to Tracfin<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-19959b0 elementor-widget elementor-widget-text-editor\" data-id=\"19959b0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">The final link in the chain is suspicious transaction reporting. Tracfin is the French financial intelligence unit, attached to the Ministry of the Economy.  <\/span><b>Any regulated entity that suspects a link to money laundering or terrorist financing must submit a report to it.<\/b><span style=\"font-weight: 400;\">. Reassuringly, a report made in good faith does not incur liability for the reporting party.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-0a046c5 e-con-full e-flex e-con e-parent\" data-id=\"0a046c5\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5f443e8 elementor-widget elementor-widget-heading\" data-id=\"5f443e8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">AML\/CFT training: a legal obligation that should not be overlooked<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cba814e elementor-widget elementor-widget-text-editor\" data-id=\"cba814e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">It is often forgotten, but AML\/CFT training is not optional. It is a legal obligation set out in the Monetary and Financial Code. A framework is only as effective as the people who implement it on a daily basis.  <\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e3ebcbf elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"e3ebcbf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-535cb23 e-con-full e-flex e-con e-child\" data-id=\"535cb23\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4f81e8e elementor-widget elementor-widget-heading\" data-id=\"4f81e8e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Who must receive AML\/CFT training within the company?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c02be8d elementor-widget elementor-widget-text-editor\" data-id=\"c02be8d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Mandatory AML\/CFT training applies to all employees exposed to these risks. This primarily concerns  <\/span><b>customer-facing teams and compliance functions.<\/b><span style=\"font-weight: 400;\"> Every employee has a role to play in detecting suspicious transactions. Individual accountability is at the heart of the framework. <\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fc2d7e4 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"fc2d7e4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-d93aa30 e-con-full e-flex e-con e-child\" data-id=\"d93aa30\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-be5e390 elementor-widget elementor-widget-heading\" data-id=\"be5e390\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Mandatory content of AML\/CFT training<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-66b56d9 elementor-widget elementor-widget-text-editor\" data-id=\"66b56d9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Useful training explains the regulatory framework, money laundering typologies and warning signs. It  <\/span><b>details internal due diligence and reporting procedures.<\/b><span style=\"font-weight: 400;\"> The objective is to know how to respond to a real-life situation.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2d2ba0e elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"2d2ba0e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-985bca2 e-con-full e-flex e-con e-child\" data-id=\"985bca2\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e487e71 elementor-widget elementor-widget-heading\" data-id=\"e487e71\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Certification, e-learning and in-person training<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4b3f02c elementor-widget elementor-widget-text-editor\" data-id=\"4b3f02c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Several formats are available depending on requirements:<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">E-learning offers flexibility and traceability, which are valuable in the event of an inspection.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">In-person training encourages discussion and the study of real-life cases.<\/span><\/li><\/ul><p><span style=\"font-weight: 400;\">An AML\/CFT certification can help showcase the skills acquired.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-648b9b2 elementor-widget elementor-widget-heading\" data-id=\"648b9b2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Bringing your AML\/CFT framework into compliance: our methodology\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a4deade elementor-widget elementor-widget-text-editor\" data-id=\"a4deade\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Compliance may seem intimidating. When properly managed, however, it can become a structured and controlled project. Our approach consists of three clear steps, designed to save you time.  <\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-d061cbd e-con-full e-flex e-con e-child\" data-id=\"d061cbd\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-4515ed8 e-grid e-con-full e-con e-child\" data-id=\"4515ed8\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-5a7c23e e-grid e-con-full e-con e-child\" data-id=\"5a7c23e\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-49be5c9 elementor-widget elementor-widget-heading\" data-id=\"49be5c9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Mapping your AML\/CFT risks\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d0f3cb9 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"d0f3cb9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fab fa-slack-hash\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Step 1<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f6cbd45 elementor-widget elementor-widget-text-editor\" data-id=\"f6cbd45\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">It all starts with a precise assessment of your current situation. We analyse your business activity, customers, channels and geographical exposure. This mapping identifies your actual risks and gaps in relation to the regulations. It forms the basis of the entire framework to come.   <\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-471249f e-grid e-con-full e-con e-child\" data-id=\"471249f\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-73c3dee elementor-widget elementor-widget-heading\" data-id=\"73c3dee\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Deploying a tailor-made AML\/CFT framework<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-295e6d8 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"295e6d8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fab fa-slack-hash\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Step 2<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5ee7094 elementor-widget elementor-widget-text-editor\" data-id=\"5ee7094\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">The next step is operational implementation. We help you <\/span><b> put due diligence procedures, a reporting process and the appropriate tools in place.<\/b><span style=\"font-weight: 400;\">. Each measure is proportionate to your risk profile. The objective is a robust yet streamlined framework that provides protection without paralysing your business. <\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3b6b2a7 e-grid e-con-full e-con e-child\" data-id=\"3b6b2a7\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-2aed6bb e-grid e-con-full e-con e-child\" data-id=\"2aed6bb\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-363382b elementor-widget elementor-widget-heading\" data-id=\"363382b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Managing and evolving your programme\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ab71004 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"ab71004\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fab fa-slack-hash\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Step 3<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-963af8d elementor-widget elementor-widget-text-editor\" data-id=\"963af8d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Compliance is never static. Risks evolve, and so does regulation, as demonstrated by the 2027 European timetable. <\/span><b> We support you in the ongoing management of your programme and the training of your teams.<\/b><span style=\"font-weight: 400;\">. In practical terms,<\/span><a href=\"https:\/\/eterrapartners.com\/en\/about-eterra-partners\/\"> <span style=\"font-weight: 400;\">Eterra&#8217;s expertise<\/span><\/a><span style=\"font-weight: 400;\"> combines governance and compliance to embed the framework sustainably. This allows you to stay one step ahead without tying up disproportionate internal resources. <\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8165151 elementor-widget elementor-widget-heading\" data-id=\"8165151\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Anticipate, don't suffer the consequences of AML\/CFT<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e8410f1 elementor-widget elementor-widget-text-editor\" data-id=\"e8410f1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">AML\/CFT is a pillar of economic security and a guarantee of trust with your partners. With the new European framework coming into force in July 2027, it is better to anticipate than react. Building a robust framework today means protecting your company and its reputation over the long term. Our teams are here to guide you every step of the way.   <\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Key takeaways: AML\/CFT refers to all the rules imposed on professionals to prevent, detect and report money laundering and terrorist financing. Who is concerned? The financial sector historically, but also many non-financial professions, including SMEs and mid-sized companies. Three pillars structure the framework: customer identification, transaction monitoring and suspicious transaction reporting to Tracfin. 2026\u20132027 timeline: [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":4348,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[15],"tags":[],"class_list":["post-4333","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>AML\/CFT Guide: money laundering and terrorist financing - Eterra<\/title>\n<meta name=\"description\" content=\"Discover companies&#039; AML\/CFT obligations: due diligence, KYC, risks, Tracfin and new European rules for 2026\u20132027\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, 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