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AML & Sanctions

Consulting on the prevention of money laundering and terrorist financing, as well as sanctions compliance

Whether bank, insurance company or financial service provider, we make AML & sanctions compliance simple, effective and future-proof – so that you are compliant and your teams are relieved of day-to-day tasks.

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The requirements for money laundering prevention (AML), combating terrorist financing (CFT) and sanctions are constantly increasing – among other things due to the EU AML package and higher expectations of the local financial market supervisory authority (FMA) and the future EU money laundering authority (AMLA).  

A strong AML & sanctions setup protects your company from penalties, reputational damage, and increased auditing efforts. 

We support you in clearly structuring, efficiently implementing, and sustainably anchoring AML, CFT & sanctions within your company: from strategy to implementation, from process optimization to FMA audit preparation. 

       

       

Our services in the area of AML & Sanctions

Governance & Organisation

Development and expansion of the AML/sanctions organization, including roles, responsibilities, resources and governance model (TOM) – audit and supervisory ready.

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Processes & Guidelines

Definition and optimization of AML/CFT & sanction processes & policies along the customer lifecycle: KYC, monitoring, updates, suspicious activity reports to exit/termination.

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Technology

Digitization of AML IT with a focus on data analytics, AI & agentic AI: Automation potential, intelligent document analysis, pattern recognition, total inventory customer screening, real-time risk scores and increased hit quality in monitoring.

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Training & Awareness

Conception and implementation of practical AML/CFT & sanctions training & awareness measures for supervisory boards, executive boards, management and operational specialist teams (Fit & Proper).

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Contract Personnel

Short-term operational support for your team, e.g. in case of bottlenecks in processing hits from transaction monitoring, FMA audit preparation, KYC updates.

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FMA Audits & Remediation

Investigation of suspected and confirmed cases, support during FMA audits including the derivation of measures, AML due diligence and end-to-end implementation of KYC remediation programs.

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Speak to our AML experts

Questions concerning AML and sanctions are covered end-to-end – from strategy and target image development to scalable implementation in operational practice. The service offering includes the transformation of your AML/sanctions organization (including Target Operating Model), the modernization of KYC and monitoring processes through data analytics, AI and agentic AI, as well as the preparation, support and follow-up of FMA on-site audits, on-site operational support and Fit & Proper training. 

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    Contact us

    Burcin Atakan

    Burcin Atakan

    Forensic Leader, Deloitte Central Europe
    +40 212 221 661
    Laura Lică-Banu

    Laura Lică-Banu

    Director
    +4 02 12 221 661

    In Romania, the services are provided by Deloitte Audit SRL, Deloitte Tax SRL, Deloitte Consultanta SRL, Deloitte Accounting SRL, Deloitte Fiscal Representative SRL, Deloitte Tehnologie SRL, Deloitte Support Services SRL, Deloitte Shared Services SRL as well as Reff & Asociații SPRL, the correspondent law firm of Deloitte in Romania, (jointly referred to as “Deloitte Romania") which are affiliates of Deloitte Central Europe Holdings Limited. Deloitte Romania is one of the leading professional services organizations in the country providing services in professional areas of audit, tax, legal, management consulting, financial advisory, risk management services, outsourcing solutions and technology consulting and other related services through over 3,300 national and specialized expatriate professionals. To learn more about how Deloitte makes an impact that matters, please visit www.deloitte.ro and connect with us on Facebook, LinkedIn, YouTube and Instagram.

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