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Are You Facing an Anti-Money Laundering Compliance Check?
Discover the Hidden Money Laundering Compliance Traps Costing UK Companies £Millions in Fines - and How to Avoid Them!
Dear Friend,
___ You’re deep in your day when HMRC inspectors arrive—uninvited, scrutinising your AML setup. Your chest tightens; fear grips you. Overlook a layered transaction, your weak FWRA is missing a risk, or sloppy client ID checks, and you’re immediately hit with an excruciating fine, censure, or worse, suspension. This is no minor hiccup; it’s a savage blow to your business and your livelihood.
___ The government, squeezed by a £22 billion deficit, is forcing regulators to crack down harder on MLR 2017 businesses like yours. Evidence? HMRC fines surged 40% in 2023/24 and could climb at least another 20% in 2025. AML compliance is complex, must be bespoke to your firm, and regulators expect investment—yet their 17-page MLR guidance doesn’t help; it’s a trap we deem unfair.
___ You might feel compliant, but outdated policies or a client’s hidden cash dump can unravel you. Recently, skimping on AML investment triggered "insufficient funds for AML obligations" - tripling one firm's fine to £90,000. HMRC penalised as art dealer £45,000 for late registration; FCA hit a wealth firm £300,000 for PEP oversights. A simple compliance lapse leads to a crippling financial penalty.
___ If you’re not 100% sure you’ll pass a Supervisory Inspection, partial compliance equals non-compliance - Leaving you exposed to serious risks.
___ If this terrifies you, we’re here to help. We launched AML Compliance Experts because these stealth-tax fines are wrong. With 250 years of combined experience, we’re passionate about helping you avoid this devastation—business and personal. Remember - Inactivity amplifies penalties; act now.
Grant Judd
Managing Partner, AML Compliance Experts
P.S. Not 100% sure you’d pass an unannounced onsite visit from regulators—where they dissect your AML setup with ruthless precision? Click below to IMMEDIATELY book a FREE, no-obligation 30-minute consultation. Don’t let uncertainty destroy you.
Important AML Audit & Defence Information
Is your business subject to UK Money Laundering Regulations (MLR 2017)?
Ask yourself these 9 questions right now:
Are you facing an impending regulatory Anti-Money laundering (AML) audit or inspection?
If regulators demand an immediate on-site inspection, are you concerned that you and your staff won’t demonstrate full compliance under intense scrutiny?
Do you have doubts about your Firm Wide Risk Assessment (FWRA) potentially overlooking critical vulnerabilities?
Have you overlooked the severe consequences of treating AML as a mere "box-ticking" exercise?
Are you relying on generic, copy-and-paste AML solutions rather than a robust, tailored AML policy?
Would you struggle to instantly provide investigators with all necessary files and data during an unannounced on-site visit?
Are you delaying addressing your AML compliance issues? (Do you feel you can fix them later?)
Are you unsure whether you've properly registered with your regulatory body for AML compliance?
Are you worried your mandatory, companywide AML training is outdated or failing to cover the latest regulatory changes?
If You Answered “Yes” to 1 or More of these Questions, You Must Resolve these Issues Immediately.
Regulatory scrutiny has significantly increased YoY, with AML examinations becoming increasingly forensic. If your firm hasn't undergone a review for 18-36 months, your likelihood of an unannounced, comprehensive inspection may escalate.
Delaying your AML compliance is a dangerous gamble. Regulators are intensifying scrutiny, with severe consequences for inaction. A High-Value Dealer received a £1.9m HMRC Penalty for failure to address breaches between 2017 – 2019.
Worryingly, approximately 70% of firms inspected by UK Regulatory Authorities were found to be “not fully compliant” with AML regulations. A small legal firm was given a crippling £24,000 SRA disciplinary fine for what amounted to basic lapses in AML Policies and Procedures.
Are you concerned about your AML registration status with your regulatory body? Failing to register is a criminal offense. HMRC fined an estate agency £45,000 for the simple oversight of late registration. Similarly, a sole practitioner accountant faced a punishing £7,728 penalty.
UK regulators have become aggressive in demanding that you take AML compliance seriously. A foreign exchange bureau was penalised more than £95,000 for treating AML compliance as a mere tick-box exercise without understanding the risks.
Regulators expect meticulous file management and version control as part of robust AML processes, ensuring all records are accurate, up-to-date, and auditable. A UK letting agency was recently fined £23,000 for these AML failures due to substandard record-keeping.
“But we have Electronic Identity Verification (EIDV).” Sadly, relying entirely on EIDV isn’t acceptable, a small property firm faced a hefty penalty of nearly £75,000, from an overreliance on outdated EIDV tools that missed high risk clients.
MLR 2017 mandates that you provide regular up-to-date AML training to ensure staff are aware of current money laundering risks and compliance obligations. A small London firm was penalised more than £16,000 for providing inadequate training to less than 10 employees.
Are you concerned about identifying ALL Politically Exposed Persons (PEPs) in your client base and applying appropriate enhanced due diligence (EDD)? A wealth management firm was fined £300,000 for failing to properly assess the risks associated with a PEP client.
Worried You Might Be Subject To Similar Penalties?
You could be, and sadly there are many more penalties we haven't covered. Unfortunately, A key issue many companies fail to realise is that a breach of AML regulations often means you're also in breach of other rules, such as your code of conduct and operational procedures.
Penalties can quickly snowball, as regulators address each violation separately. The knock-on effect can lead to fines escalating dramatically. An example is - What may look like a small modest £10,000 fine for “Inadequate Procedures” can quickly escalate to a £50,000+ penalty.
However, the good news is that every penalty example above could have been significantly reduced or entirely avoided had these businesses engaged AML Compliance Experts for professional guidance.
AML Compliance Experts is unique because we understand the intense regulatory scrutiny you may face and provide you with expert support precisely when you need it most. We’re passionate about helping you avoid regulatory penalties.
We possess an intimate understanding of the regulatory red flags that could expose your business to devastating fines, reputational damage, and personal liability.
AML Compliance Experts has over 250 years of combined expertise in AML compliance - for a fraction of the cost of a Top 4 Consulting firm.
AML Compliance Experts Help You With These 13 Critical Areas:
Concerned you could be facing severe penalties? We can help you reduce regulatory fines.
Is your AML compliance framework truly robust? Gaps can lead to severe penalties. Our expert AML/KYC/CDD audits identify vulnerabilities, recommend targeted improvements, and help you defend against financial crime risks.
Do you need your team brought up to speed on AML quickly? We deliver rapidly deployable, accelerated, AML Training – regardless of background and knowledge.
We can prepare and guide you on how to conduct a great Firm Wide Risk Assessment (FWRA) and avoid “Inadequate Procedures”.
Do you have reservations that your AML, CTF, and CPF Policies, Controls, and Procedures (PCPs) may not meet compliance standards? We can swiftly review, update, and align your documentation to ensure full regulatory adherence.
Concerned about yourself or your colleagues coping under intense scrutiny from regulators? We can deliver Mock Inspections and Scenario Training.
Are you apprehensive that your Client Due Diligence (CDD), Enhanced Due Diligence (EDD), and PEP identification processes are overly dependent on EIDV? We will help you go beyond basic electronic checks, mitigating potential regulatory scrutiny.
Worried about your AML Record Keeping and Version Control? We can fix this.
Want to avoid the ongoing stress and anxiety regarding AML – AML Compliance Experts delivers ongoing AML health checks to keep you ahead of compliance risks.Concerned about creating a procedural manual? We can assist
Support you in filing National Crime Agency (NCA) Suspicious Activity Reports (SARS)
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