AML Audit
AML Audit & Independent
Compliance Reviews
Independent AML/CFT audits and compliance reviews for crypto, fintech, and regulated businesses. We identify control gaps, governance weaknesses, and remediation priorities — providing an objective assessment of your AML/CFT programme's operational effectiveness.
Request an AML AuditIndependent Review — Not a Tick-Box Exercise
Regulatory expectations have shifted. Regulators, banks, and institutional partners increasingly assess not whether AML/CFT policies exist — but whether they work in practice.
An independent AML audit provides your business with an objective evaluation of how your compliance controls, governance structures, and operational procedures perform against regulatory expectations and risk-based compliance standards.
Artlex Consult conducts independent AML/CFT audits and compliance reviews for crypto-asset businesses, fintech companies, payment providers, and other regulated or high-risk businesses — combining operational AML expertise with direct experience of how regulators evaluate compliance programmes.
Our experience includes MLRO and operational compliance functions within regulated financial and digital asset environments. We understand how AML/CFT systems are evaluated in practice — not only on paper.
- Businesses preparing for regulatory review or licensing
- Companies seeking banking or EMI onboarding
- Businesses with existing AML frameworks requiring independent assessment
- Companies responding to regulatory findings or remediation requirements
- Businesses undergoing investor due diligence
- CASPs and VASPs preparing MiCA authorisation applications
AML Audit & Review Services
We provide a range of independent AML/CFT review services — from comprehensive programme audits to targeted control assessments and gap analysis.
AML/CFT Independent Audit
A comprehensive independent review of your AML/CFT programme against regulatory expectations, FATF standards, and risk-based compliance principles.
- AML/CFT policy and procedure review
- Governance and oversight assessment
- Customer risk classification review
- KYC/EDD process evaluation
- Transaction monitoring effectiveness
- Sanctions screening controls assessment
- STR/SAR escalation review
- Recordkeeping and audit-readiness assessment
- Control gap identification
- Remediation recommendations
AML Control Effectiveness Review
Focused assessment of specific AML/CFT controls — for businesses seeking targeted review of particular areas rather than a full programme audit.
- KYC/EDD process review
- Sanctions screening assessment
- Customer risk scoring review
- Onboarding controls assessment
- Internal escalation procedures review
- Transaction monitoring calibration review
Transaction Monitoring Testing & Review
Assessment of transaction monitoring framework effectiveness — including scenario coverage, alert thresholds, false positive rates, and escalation governance.
- Monitoring scenario coverage review
- Alert threshold assessment
- False positive analysis
- Escalation and review workflow assessment
- Monitoring governance documentation review
- Recommendations for control enhancement
Sanctions Compliance Review
Assessment of sanctions screening controls, coverage, governance, and operational effectiveness — including designated persons list coverage and escalation procedures.
- Sanctions screening programme review
- Screening coverage assessment
- False positive management review
- Sanctions risk governance assessment
- Designated persons list coverage
- Escalation and de-listing procedures
AML Gap Analysis
Structured identification of gaps between current AML/CFT controls and applicable regulatory expectations — with a prioritised remediation roadmap.
- Regulatory expectation mapping
- Control gap identification
- Risk-based prioritisation
- Remediation roadmap
- Documentation recommendations
Fraud & Financial Crime Controls Review
Focused review of fraud risk controls and internal financial crime governance — for fintech, payment, and digital asset businesses seeking broader financial crime assurance.
- Fraud risk assessment
- Internal controls review
- Payment fraud prevention assessment
- Account takeover risk review
- Escalation and response procedures
- Financial crime typology assessment
AML Risks Specific to Crypto & Digital Asset Businesses
Crypto and digital asset businesses face a distinct set of AML/CFT risks that require specialist assessment — beyond standard AML programme reviews.
Wallet Exposure
Risks associated with unhosted wallets, high-risk wallet addresses, and blockchain analytics limitations in identifying beneficial ownership.
Cross-Border Transaction Flows
Elevated layering and structuring risk across multiple jurisdictions — particularly for exchanges, OTC desks, and payment platforms.
Sanctions Exposure
OFAC, EU, and UN sanctions risks specific to virtual asset transactions — including exposure to sanctioned addresses and jurisdictions.
Travel Rule Obligations
Compliance with TFR and FATF Travel Rule requirements for virtual asset transfers — including originator and beneficiary information obligations.
High-Risk Typologies
Structuring, rapid fund movement, mixer usage, peer-to-peer activity, and other crypto-specific financial crime indicators.
Third-Party Provider Risk
AML risks arising from liquidity providers, OTC desks, custodians, and exchange counterparties — and assessment of third-party due diligence controls.
What the Audit Produces
- ✓Written audit report with findings and observations
- ✓Control gap summary with risk-based prioritisation
- ✓Remediation recommendations
- ✓Management summary for internal governance or regulatory use
- ✓Optional follow-up support for remediation implementation
Why Businesses Commission Independent AML Audits
Operational AML Experience — Not Just Advisory
Our experience includes MLRO and operational compliance functions within regulated financial and digital asset environments. We have built and reviewed AML/CFT systems from the inside — and we understand how regulators, banks, and counterparties evaluate them in practice.
Our audits are grounded in operational reality — not generic checklists.
- FATF-oriented audit methodology
- Crypto and fintech-specific risk expertise
- Direct operational AML and compliance experience
- Cross-border regulatory perspective
- Governance and control-oriented approach
- Independent, objective assessment
Operationally focused.
ACAMS Certified
Association of Certified Anti-Money Laundering Specialists — global standard in AML/CFT
ACFE Member
Association of Certified Fraud Examiners — financial crime and fraud risk expertise
CySEC AML Certified
Cyprus Securities & Exchange Commission — EU investment services AML certification
PhD-Qualified Professionals
Legal and compliance professionals with academic and operational AML background
Commission an Independent AML Review
Request an independent assessment of your AML/CFT framework, operational controls, and compliance governance — whether you are preparing for regulatory review, banking onboarding, a licensing application, or seeking assurance on your existing programme.