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Find out whether AML really applies to your company

An AML audit gives you a clear answer as to whether, and to what extent, AML obligations apply to your business, what currently works only on paper and what should be improved first. The result: less guesswork, less confusion, greater control and a concrete plan for further action.

Describe your situation and see whether an AML audit makes sense for your organisation

The greatest challenge with AML is that people do not know whether it applies to them at all.

In AML, the most costly issue is often not the breach itself, but months spent operating on the assumption that matters are probably under control. An audit establishes the facts: whether obligations apply, where the gaps are and what requires a decision now.

If AML responsibilities are spread across several departments, procedures are not keeping pace with the business model or the management board needs a concise answer, an audit is the quickest route to bringing the situation under control. It does not end with a diagnosis. It ends with a report and recommendations that can be put to practical use.

Agnieszka Sowula-Nowakowska

Senior Associate

Common problems and challenges

The most common problems we solve

Does AML apply to your company at all? The business is changing: new sales channels, remote onboarding or new partners are emerging. AML is back on the agenda, but there is still no single clear answer.

We determine whether, and to what extent, your company is subject to AML obligations.

Business benefit: you know whether the matter requires action now.

Risk of inaction: decisions are based on assumptions rather than facts.

You have AML arrangements on paper-but do they work in practice? Procedures exist, but no one is certain whether they are up to date, adequate and consistent with how the company actually operates.

We review documents, roles, decision-making processes, forms, registers and evidence that obligations are being fulfilled.

Business benefit: you receive a realistic picture of compliance, not a false sense of security.

Risk of inaction: the company believes that it “has AML arrangements", when in practice it has only a document.

You do not know which gaps are genuinely critical The team does not know where to start. Some want to address everything, while others postpone the matter because the scale of the problem is unclear.

We identify the gaps and rank them by severity and urgency.

Business benefit: it is clear what requires action now and what can be addressed in stages.

Risk of inaction: resources are directed towards secondary matters while key risks remain.

The management board lacks a concise overview of AML risks The matter is spread across operations, finance, compliance and sales. Everyone sees their own part, but no one has the complete picture.

We turn AML findings into a report showing the current position, gaps, priorities and decisions to be made.

Business benefit: it is easier to manage risk and decide on the next steps.

Risk of inaction: AML remains “someone else’s" responsibility without being properly managed.

You want to prepare before an inspection, a partner’s enquiry or a problem arises When AML returns to the agenda under pressure, there is usually too little time left to put the fundamentals in order calmly.

An audit allows weaknesses to be identified early and prepares the organisation for further growth, questions from a partner or an inspection.

Business benefit: greater preparedness and less firefighting.

Risk of inaction: the company reacts to risk instead of anticipating it.

You do not want a full implementation without an initial assessment There is no point in commissioning a large project before you know the scale of the problem and where the actual gaps lie.

An AML audit offers a low threshold for getting started: first an assessment, report and recommendations, followed by a decision on implementation.

Business benefit: you gain clarity before committing to a broader scope.

Risk of inaction: the matter becomes stuck between “let’s do everything" and “let’s postpone it".

Our solution

What exactly you receive from an AML audit

This is not a review for its own sake. It is a structured assessment that answers three questions: does AML apply to you, where are the gaps and what should be improved first?

AML status assessment

We determine whether your company is subject to the Polish AML Act and which obligations actually apply to it.

 

  • a clear answer as to whether action is required and, if so, to what extent.

Business model and process analysis

We identify where your company’s operations intersect with AML obligations.

 

  • a map of the areas that require assessment and organisation.

Audit of documentation and operational practice

We review procedures, roles, decision-making processes, forms, registers and how obligations are fulfilled in practice.

 

  • a list of risks

Identification of gaps and inconsistencies

We show what is missing, what is out of date and what does not reflect the company’s actual circumstances.

 

  • a specific list of gaps, without guesswork or confusion

Risk prioritisation

We distinguish critical gaps from administrative matters.

 

  • clarity on what must be done immediately and what can be addressed in stages

Post-audit report

We prepare a clear summary of the findings, risks, gaps and areas for improvement.

 

  • material that the management board can use for decision-making and the team can use operationally

Recommendations for next steps

We do not leave you with a list of problems. We identify the best direction for further action.

 

  • a plan for bringing AML arrangements into order, rather than another expert report left in a drawer

Who this service is for

Who benefits most from an AML audit

This service is for companies that do not want to implement anything without first understanding the position. They want to know whether AML applies to them, where the risks lie and what scope of action genuinely makes sense.

Your company is growing and you want to check quickly whether compliance is falling behind

New sales channels, remote onboarding, larger partners and a faster pace. You need a concise answer: does AML apply to us, where are the gaps and what should we improve now?

You want to know whether AML is genuinely under control in your company

You do not need to examine every detail. You need a concise overview of the risks, priorities and decisions to be made.

You have been asked to “check AML" and need material that can be shared with decision-makers

You do not want to interpret the obligations yourself and risk making mistakes. You want a clear list of gaps, priorities and next steps.

Stages of work

How we work together

The process is short, structured in stages and predictable. We first establish the facts. We then identify the gaps, priorities and best next step.

Understand the situation

We learn how the company operates, its processes, responsibility structure and current documentation.

Audit the current state

We review documents, procedures and practices for compliance, completeness and suitability.

Report and recommendations

We prepare a report on what works, what is missing, what to improve and the most useful next steps.

Decide on next steps

We discuss priorities and whether you will implement the recommendations independently or with our support.

Describe your situation and see whether an AML audit makes sense for your business.

Contact us

Start with a clear answer, not a major implementation

An AML audit is the simplest way to establish whether AML genuinely applies to you, where the gaps are and what should be done next-before the problem grows.

Briefly describe your situation: what your company does, whether you currently have AML procedures and where you see the greatest uncertainty. This is enough for an initial assessment of whether an AML audit makes sense for y

Agnieszka Sowula-Nowakowska

They will follow up with any questions or recommend a next step.

Quick response

We usually respond within two hours on business days.

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