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POLAND | ESTONIA | LITHUANIA

COMPLETE AML COMPLIANCE

Stay ahead of regulations, protect your business, and prevent financial risks
with Complium’s comprehensive AML compliance solutions.

What is AML Compliance?
Why is it so important?

AML compliance (Anti-Money Laundering compliance) is essential for businesses to detect and prevent financial crimes, such as money laundering and fraud. For industries handling financial transactions like fintech and financial institutions — AML compliance isn’t just a regulatory requirement but a necessary safeguard against criminal activity that could harm your business’s reputation and security.

Without strong AML compliance, companies risk severe penalties, regulatory scrutiny, and operational disruptions. Protect your business and ensure long-term stability with a robust AML compliance program designed to meet today’s regulatory challenges.

Who needs AML Compliance?

Our AML compliance services cater to a wide range of industries, including:

  • Fintech & Crypto Businesses
    We offer industry-specific AML compliance to protect your fintech or crypto business in a heavily regulated market.
  • Financial Institutions
    From banks to investment firms, our AML solutions ensure compliance with stringent financial regulations, keeping transactions secure.
  • E-Commerce
    With evolving compliance risks, our AML compliance solutions help e-commerce businesses secure transactions and simplify customer onboarding.

How to get started with
AML Compliance

Starting your journey toward full AML compliance with Complium is simple and personalized. Here’s how we guide you:

1. Introductory Call
We begin with a short consultation to understand your company’s activities, current policies, and internal compliance measures (such as IT systems, KYC/KYT vendors, or payment service providers). If you’re missing any essential compliance elements, our team will offer recommendations and best practices on tools and systems to implement.

2. Onboarding & Compliance Setup
After signing the service agreement, we will assign an official AML Manager to represent your company before the authorities. We’ll help you secure access to regulatory systems and guide you on the required information for a smooth setup.

3. Policy Development
As part of our onboarding process, we handle drafting all essential compliance policies, including AML Policy, risk analysis, and travel rule documentation—ensuring that every necessary document is prepared and fully compliant.

With Complium’s AML compliance service, you gain a trusted partner for compliance setup and ongoing support, allowing you to focus on what matters most—growing your business.

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READY-STEADY-GO

Why Complium for AML Compliance?

At Complium, we understand the intricacies of AML compliance and bring expert insights tailored to your business. Our team simplifies the compliance process, offering in-depth support that helps you focus on growth while meeting every regulatory requirement.
Here’s how Complium makes AML compliance easier for you:
FEATURES

AML Compliance Solutions

Explore the key features that make Complium a trusted partner in AML compliance, designed to simplify and strengthen your compliance program.
Custom AML Oversight

Comprehensive AML oversight that includes reporting, auditing, and ensuring every element of your compliance program meets high standards.

Outsourced Compliance Officers

Gain access to dedicated Compliance Officers (COs), Money Laundering Reporting Officers (MLROs), or AML Managers to bring expert AML compliance support without the expense of full-time hires.

Monthly AML Compliance Service

Each month, a local team of certified AML experts and lawyers dedicate a pre-agreed amount of time to ensuring your company’s AML policies are current, reports are submitted on time, and communication with local authorities is managed effectively.

Disputes & Representation

We represent your business in regulatory disputes and audits, offering guidance and reliable support whenever compliance challenges arise.

Tailored AML Training

Equip your team with customized AML training, aligning them with the latest regulations and best practices in AML compliance.

Regulatory Communication

We handle all communication with regulatory bodies, ensuring timely responses and proactive management of compliance requirements.

Enhanced Due Diligence & KYC/KYT Support

Enhance your client onboarding and transaction monitoring with expert support in Know Your Customer (KYC), Know Your Transaction (KYT), and Enhanced Due Diligence (EDD) practices.

Monitoring and Reporting

Real-time monitoring and reporting services keep your business aligned with regulatory standards, ensuring a proactive approach to AML compliance.

BENEFITS

Benefits of AML Compliance

Discover the benefits of partnering with Complium for AML compliance, empowering your business to operate confidently and securely.
Comprehensive Compliance

From initial onboarding to ongoing monitoring, Complium ensures that every aspect of your AML compliance is managed effectively.

Access to Expertise

With Complium’s seasoned AML professionals, you gain access to top-tier compliance knowledge and support.

Streamlined Compliance Process

We manage the complexities of AML compliance, simplifying the process so your business remains compliant without unnecessary strain.

Risk Reduction

With risk-based AML compliance, your business is shielded from financial crime exposure, ensuring client and investor confidence.

Cost-Effective Compliance

Complium’s outsourced solutions allow you to achieve full AML compliance without the costs of building an in-house compliance team.

Ready for Audits

Our meticulous documentation and record-keeping mean your business is always prepared for audits, avoiding last-minute scrambles.

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Simplifying AML Compliance, Securing Your Business Growth

With Complium, navigating the complexities of AML compliance becomes effortless. Our experts ensure your business stays secure, compliant, and ready for growth.

AML COMPLIANCE PACKAGES

Flexible AML Compliance Packages
for Every Business

At Complium, we understand that every business has different compliance needs. That’s why we’ve created three tailored AML compliance packages to ensure you get exactly the support your business requires — whether you’re a dormant company needing minimal oversight, a growing company actively onboarding clients, or an established firm managing high transaction volumes.

AML Compliance Packages
by Complium

Select the package that best fits your business size, operational complexity, and compliance demands. With each package, you receive a dedicated AML team to support your regulatory needs, ensuring you stay compliant and risk-free.
Quarterly

Essentials Package

Quarterly Reporting (Poland)
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AML Service Hours: Up to 10 hours per quarter

Team: AML Manager

Targeted Company Type: Dormant Companies Dormant Companies

AML Policy Creation & Updates: Basic AML Policy Creation AML Policy, Risk Analysis, & Travel Rule

Transaction Monitoring & Reporting: N/A transaction reports for transactions over €15k

Quarterly AML Reporting: Basic (306 questions) Quarterly Reporting

Suspicious Activity Reporting (SAR): Standard SAR reporting

Regulatory Communication: Basic Communication with Authorities

Client Onboarding Assistance: N/A ced KYC/KYT support for onboarding clients

Disputes & Representation: Limited Representation

Physical Office Management: Full Office Management

Accounting Services: (with extra fee)

Monthly (most popular option)

Standard Package

Monthly Compliance Reporting
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AML Service Hours: Up to 20 hours/month

Team: AML Manager & Lawyer

Targeted Company Type: Companies onboarding clients or transacting

AML Policy Creation & Updates: Ongoing updates to AML Policy, Risk Analysis, & Travel Rule

Transaction Monitoring & Reporting:Weekly transaction reports for transactions over €15k

Quarterly AML Reporting: Standard Quarterly Reporting

Suspicious Activity Reporting (SAR): SAR Reporting (24-hour window on weekdays)

Regulatory Communication: Ongoing Communication

Client Onboarding Assistance: Enhanced KYC/KYT support for onboarding clients

Disputes & Representation: Limited Representation

Physical Office Management:/KYT support for onboarding clients

Accounting Services: (with extra fee)

Monthly

Premium Package

Premium Monthly Reporting
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AML Service Hours: Up to 60 hours/month

Team: AML Manager, Accountant & Attorney

Targeted Company Type: High-Volume Clients (100+ onboardings/month)

AML Policy Creation & Updates: Full Policy Customization & Maintenance Risk Analysis, & Travel Rule

Transaction Monitoring & Reporting: Weekly transaction reports for transactions over €15k

Quarterly AML Reporting: Advanced Quarterly Reporting

Suspicious Activity Reporting (SAR): 24-hour SAR Reporting with Court-Ready Responses

Regulatory Communication: Priority Communication with Authorities

Client Onboarding Assistance: High-Volume Client Support (100+ clients/month)

Disputes & Representation: Up to 3 Court Appearances per Month

Physical Office Management: Full Office Management

Accounting Services: Monthly Accounting Service

All quotes are preliminary and subject to review and final confirmation; conditions may apply. Pricing for packages is indicative and will be finalized based on additional details provided. Additional fees may be incurred. We reserve the right to adjust pricing and package details at any time without prior notice. For a detailed, project-specific quote, please contact us directly.

AML Compliance

Which Package is Right for Your Business?


Quarterly Essentials Package
Designed for dormant companies requiring quarterly compliance reporting and minimal ongoing oversight. Includes AML Policy creation and quarterly AML report submissions in Poland.
Monthly Compliance Package (MOST POPULAR)
Ideal for growing companies that are actively onboarding clients or processing transactions. This package includes 20 hours of dedicated compliance support each month, ongoing policy updates, and comprehensive reporting, plus communication with authorities.
Premium Monthly Compliance Package
Built for high-volume companies with extensive compliance needs, including daily monitoring and 24-hour SAR reporting. With 60 hours of monthly support, priority communication with authorities, and monthly accounting, this package is the ultimate compliance solution.
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WHY COMPLIUM? Get Started with Complium’s
AML Compliance Packages

With Complium, you can focus on growing your business while we manage your compliance needs. If you’re not sure which package is best for you, schedule a free 30-minute consultation with our team. We’ll help you find the right compliance plan to keep your business protected and ready for audits.
AML Compliance &
Reporting
Quarterly Compliance
Reports
Local Presence
Support
MiCA CASP
License Application
Transaction
Reporting
Ongoing Advisory
Services

CONTACT FORMBook your
FREE 30-min consultation

Our team will get back to you shortly!
Let our experts guide you through the process.

    On our Clients’ request, through our network of trusted partners, we can offer additional services such as GDPR compliance and accounting, providing a complete package of services. With everything handled through one entity, there’s no need for clients to seek out multiple advisors—Complium covers all your needs under one roof.

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    KEY DETAILS

    AML Compliance FAQs

    Find answers to essential questions about AML compliance, including key details to help you stay informed and prepared.
    What is AML compliance, and why is it important?

    AML (Anti-Money Laundering) compliance is a set of procedures designed to prevent businesses from being used for money laundering or other financial crimes. Effective AML compliance protects your business from regulatory penalties and reputational damage, ensuring safe and legal operations.

    What is Anti-Money Laundering (AML) compliance?

    Anti-Money Laundering (AML) compliance involves implementing policies and procedures to detect and prevent financial crimes like money laundering and terrorism financing. AML compliance requires businesses, especially those handling financial transactions, to identify and report suspicious activities, thereby helping to create a safer financial ecosystem.

    Why is AML compliance necessary for my business?

    AML compliance is mandatory for businesses operating in regulated sectors, such as finance, fintech, and crypto. It ensures that your business is not inadvertently involved in criminal activities, protecting your reputation and avoiding potential legal penalties. Non-compliance can lead to severe consequences, including fines, loss of licenses, and reputational damage.

    What is a Suspicious Activity Report (SAR), and when do I need to file one?

    A Suspicious Activity Report (SAR) is a document that businesses file to report suspected fraudulent or illegal activity. If you notice unusual behavior—such as large, unexplained transactions or actions inconsistent with a customer’s profile—filing a SAR is required to comply with AML regulations and avoid penalties.

    What is the "travel rule," and how does it affect AML compliance?

    The travel rule is an AML requirement that mandates financial institutions to collect and share information on the sender and receiver of transactions over a certain threshold. This rule helps trace the source and destination of funds, adding an extra layer of transparency to financial transactions and preventing illegal activity.

    How often should AML policies be updated?

    AML policies should be reviewed and updated at least annually, or more frequently if there are changes in regulations, company operations, or risk exposure. Regular updates ensure your compliance measures stay effective and align with evolving regulatory requirements.

    Who is responsible for AML compliance within my organization?

    AML compliance responsibility typically rests with a designated Compliance Officer or Money Laundering Reporting Officer (MLRO). This person or team oversees AML policies, monitors transactions, conducts risk assessments, and ensures SARs are filed when needed.

    What is KYC (Know Your Customer), and why is it part of AML compliance?

    KYC (Know Your Customer) is a process that involves verifying the identity of clients to prevent fraud and assess risk. It’s an essential part of AML compliance, as it helps businesses understand who their customers are, reducing the risk of financial crime.

    What are the consequences of not following AML regulations?

    Failure to comply with AML regulations can lead to significant fines, legal repercussions, and loss of operating licenses. In severe cases, it may also result in criminal charges for responsible individuals and irreparable harm to the business’s reputation.

    What are the main components of an AML program?

    A comprehensive AML program includes risk assessments, customer due diligence (KYC), transaction monitoring, SAR reporting, regular audits, and employee training. Each component works together to ensure the business can identify, monitor, and prevent suspicious activity.

    How does Complium’s Monthly AML Compliance Service work?

    Our Monthly AML Compliance Service provides up to 20 or 60 hours (depending on your package) of dedicated support each month. Our certified AML experts and legal professionals ensure your policies are current, all necessary reports are filed, and communication with local authorities is maintained, keeping your business audit-ready and compliant.

    What’s included in the Quarterly Essentials Package?

    The Quarterly Essentials Package is ideal for dormant companies and includes basic AML policy creation, quarterly AML reporting in Poland, and ongoing support from an AML Manager to meet minimum compliance requirements.

    What is the process for starting with Complium’s AML services?

    To begin, we’ll have an introductory call to understand your business’s needs, existing policies, and internal compliance systems. Once you sign the service agreement, we’ll assign a dedicated AML Manager and guide you through the onboarding process, including drafting necessary policies and setting up regulatory access.

    How do I know which package is best for my business?

    If you’re unsure which package suits your needs, book a free 30-minute consultation with our experts. We’ll help assess your business requirements and recommend the most suitable AML compliance package.

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    OUR ANNOUNCEMENTS

    Latest AML Compliance News

    MiCA and Anti-Money Laundering (AML): What Crypto Businesses Need to Know
    MiCA and Anti-Money Laundering (AML): What Crypto Businesses Need to Know
    For crypto businesses operating in Europe, compliance is no longer optional — it’s a necessity. The Markets in Crypto-Assets Regulation (MiCA) and Anti-Money Laundering (AML) requirements are transforming the regulatory landscape, making it essential for businesses to align with these frameworks. Whether you’re an existing Virtual Asset Service Provider (VASP) or a new crypto business...
    MiCA CASP Licensing: Share Capital Requirements in Poland
    MiCA CASP Licensing: Share Capital Requirements in Poland
    The Markets in Crypto-Assets Regulation (MiCA) is transforming how crypto-asset service providers (CASPs) operate across the EU, with one critical requirement being specific share capital thresholds based on service class. All existing Virtual Asset Service Providers (VASPs) and new businesses must apply to secure their MiCA CASP license starting from the first quarter of 2025...
    Navigating AML Compliance: The Key to Safeguarding Your Business
    Navigating AML Compliance: The Key to Safeguarding Your Business
    In today’s increasingly complex regulatory landscape, Anti-Money Laundering (AML) compliance has become an indispensable part of doing business. Whether you operate in fintech, crypto, or financial institutions, ensuring robust AML measures protects your business from financial crimes, regulatory penalties, and reputational damage. But how do you navigate these challenges efficiently? This guide will walk you...
    Understanding SAR Compliance for VASPs and CASPs Across the EU: A Polish Example
    Understanding SAR Compliance for VASPs and CASPs Across the EU: A Polish Example
    In today’s digital financial ecosystem, Virtual Asset Service Providers (VASPs) and Crypto-Asset Service Providers (CASPs) play a crucial role in ensuring security and transparency. Across the EU, compliance with anti-money laundering (AML) regulations is essential for both businesses and regulators. A key component of this compliance framework is the Suspicious Activity Report (SAR). Filing SARs...
    FREE 30-min Consultation

    EXPERT AML COMPLIANCE

    Stay ahead of regulatory demands and protect your business from financial crime with Complium’s dedicated AML compliance solutions.
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    OFFICE DETAILSOffice

    Poland office: +48 222 085 280
    Estonian office: +372 5874 6380
    office@complium.eu

    COMPANY DETAILSCOMPLIUM LLC

    Registry code: 14996517
    VAT number: EE102267505
    Office: Tornimäe 3//5//7, Tallinn, 10145, Estonia

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