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AML Programme: organise AML and KYC without operational chaos

We will implement a practical AML operating system based on AML Track in your organisation: from counterparty verification and risk assessment to documenting actions and monitoring required activities.

Book a call about the AML programme

An AML procedure alone is not enough if the team lacks a process, a tool and clear operating rules

In many organisations, AML obligations are formally documented but operationally fragmented. Some information is held in emails, some in spreadsheets and some in documents, while actual responsibility often rests with just a few people.

AML should support counterparty risk management rather than obstruct sales, onboarding or day-to-day operations. The AML Programme helps organisations move from a manual, inconsistent model to a structured system defining who must do what, when and in which tool, so that obligations are met on an ongoing basis.

Agnieszka Sowula-Nowakowska

Senior Associate

Common problems and challenges

The most common problems we solve

AML obligations are scattered across people, files and emails The process works as long as a particular person remembers it. As the number of counterparties, transactions or exceptions grows, delays and gaps in documentation arise, together with uncertainty as to whether everything has been completed.

We map the current AML/KYC process, organise roles, data, decisions and documentation, and then move repetitive activities into AML Track.

The team works to a single standard, and the organisation gains a process that can be demonstrated, explained and controlled.

AML remains dependent on the memory, experience and availability of individual people.

The management board lacks full visibility of how AML works in practice Obligations are performed “somewhere in the organisation”, but there is no clear answer as to who owns the process, where the documentation is kept, how activities are monitored or what the decision-making path looks like.

We identify process owners, define the operating stages and establish how obligations are documented and monitored. AML Track provides structured visibility of statuses, decisions and tasks.

The management board gains greater control over accountability, risk and the consistency of activities.

In the event of an inspection, audit, financing round or transaction, the organisation may struggle to demonstrate a consistent, systematic way of working.

KYC slows down customer and counterparty onboarding Each verification is handled slightly differently. The team asks follow-up questions, searches for data, requests documents, duplicates activities and waits for decisions. Compliance begins to be seen as an obstacle to business.

We design a practical KYC workflow in AML Track: what data to collect, when to begin verification, how to assess risk, who makes the decision and how to document the outcome.

Onboarding can proceed faster and more predictably without compromising security.

The KYC process will place an increasing burden on sales, operations, finance and compliance.

An AML procedure exists but does not work in day-to-day operations The document describes the obligations but does not answer operational questions: what to do in a specific case, who makes the decision, where to record the outcome and how to monitor follow-up actions.

We translate AML obligations into practical working stages, instructions, checklists and system settings. The aim is not another document, but a process the team actually uses.

The organisation moves from formal compliance to an operational AML system.

The procedure remains evidence of intent but provides no assurance that obligations are being performed consistently and on an ongoing basis.

A manual AML model does not scale with the business As the number of customers, counterparties, transactions or new markets grows, manual AML handling becomes slow, costly and difficult to control.

We adapt AML Track to the scale of operations, types of counterparties, team structure and the company’s actual operating model.

AML becomes a repeatable process that can grow with the organisation.

Greater scale means more exceptions, more manual work and a higher risk of errors.

The team responsible for AML is overloaded One person or a small team repeatedly deals with the same questions, checks data manually, keeps track of documents and explains the process to other departments.

We organise the working rules, prepare users and support the system launch. AML Track is intended to guide the team through the process, not add another obligation.

Fewer repetitive questions, fewer manual arrangements and greater user autonomy.

AML remains a bottleneck that burdens the team and slows down decisions.

Our solution

What you receive

We go beyond legal analysis. We help turn AML requirements into processes, roles, data, tools and everyday team decisions. At the heart of the service is AML Track, an application supporting KYC, risk assessment, action records and activity monitoring.

The AML Programme turns obligations into an operational system

We do not stop at legal analysis. We help translate AML into a process, roles, data, a tool and the team’s day-to-day decisions. AML Track is at the heart of the service: an application supporting KYC, risk assessment, documentation of activities and activity monitoring.

  • AML needs map
  • recommended implementation scope

Assessment of the organisation’s obligations and needs

  • analysis of the organisation’s operating model,
  • identification of areas subject to AML,
  • assessment of the scale of risk and critical points,
  • determination of where system support will deliver the greatest value.

 

  • AML needs map
  • recommended implementation scope

Mapping the current AML/KYC process

  • review of how counterparties are currently verified,
  • analysis of data and document flows,
  • identification of manual activities and risk areas,
  • assessment of which parts of the process are inconsistent or dependent on individual people.

 

  • current process map

Adapting AML Track to the organisation

  • configuring how the application is used,
  • adapting the workflow to different counterparty types,
  • organising statuses, tasks and checkpoints,
  • preparing the system for everyday team use.

 

  • AML Track

Dopasowanie AML Track do organizacji

  • organising the KYC process,
  • supporting risk assessment,
  • standardising records of actions,
  • reducing manual tracking of tasks and deadlines,
  • monitoring required activities.

 

  • less manual work
  • a consistent way to meet AML obligations

Instructions, checklists and working rules for the team

  • setting out simple rules for using the system,
  • covering the key operational scenarios,
  • providing user checklists,
  • explaining the process in practical terms, without unnecessary theory.

 

System launch and initial support

  • helping the team start using the system,
  • supporting the first cases,
  • adjusting settings after practical use,
  • answering questions as they arise.

 

Who this service is for

For organisations that want AML under control - operationally, at management level and technologically

Compliance Manager / AML Officer

when you need to organise tasks, checklists, roles and the team’s work within a single process.

COO / Head of Operations

when AML affects customer onboarding, counterparty management, the pace of decision-making and workflow between departments.

Management board member / CFO / CEO

when you want greater control over risk, accountability and whether AML obligations are performed systematically.

Stages of our work

How we work together

Assess the organization and what it really needs

We analyze the operating model, counterparties, scale of operations, existing AML practices and where risk or confusion arises.

Design the process and configure AML Track

We turn AML obligations into a practical working model. We define roles, stages, data, decision paths and how AML Track will be used.

Operational rollout and team preparation

We help launch the process, prepare users, organize working rules and guide the first activities in the system.

Stabilization, monitoring and ongoing support

After launch, we help maintain the process, monitor activities, resolve questions and adjust settings to real business situations.

Schedule a call about the AML program.

Contact us

Turn AML from a fragmented obligation into an operational process

The AML Programme organises obligations, automates repetitive activities and gives the management board greater control over risk – without obstructing onboarding, sales or operations.

Complete the short form. We will ask about the size of your organisation, how AML/KYC is currently handled, the number of users and the main operational challenges. After the call, we will explain whether the AML Programme is suitable for your situation and where it would be best to start.

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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