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Supporting AML Compliance Through Smart Outsourcing
Outsourcing AML and KYC functions can help obliged entities meet their compliance obligations efficiently and effectively. At A2CO, we provide tailored AML services that align with the latest anti-money laundering regulations, including AMLR and sector-specific rules on outsourcing. Our experienced professionals support your team with risk assessments, due diligence, and day-to-day AML compliance, reducing the pressure on internal resources. Whether you’re reviewing existing outsourcing arrangements or exploring new ones, we’ll help you find a solution that’s right for your business.
Why Businesses Choose to Opt for AML Outsourcing
Outsourcing AML compliance allows subject persons to maintain high standards while reducing internal burden. With increasing regulatory pressure and evolving threats from money laundering and terrorist financing, many organisations are turning to external support for specialised expertise and scalable solutions. A2CO’s outsourcing services offer flexibility, cost-efficiency, and access to professionals who understand the local regulatory landscape. Our solutions are also ideal for businesses preparing for regulator compliance visits from bodies such as the FIAU, MFSA, or MGA. We assist with file reviews, documentation checks, and staff training to ensure your business is prepared and well-positioned for inspection.
Our Services
AML Services Outsourcing
We deploy qualified AML professionals to carry out core compliance functions on your behalf, either remotely or on-site. Services include:
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Customer file reviews and updates
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Customer acquisition support
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Customer Due Diligence (CDD) and Enhanced Due Diligence (EDD)
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Verification of customer and beneficial ownership information
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PEP screening and adverse media checks
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Customer Risk Assessments
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Digital document management for due diligence files
Anti Money Laundering (AML) Evaluation and Health Checks
We conduct structured reviews to ensure your internal systems align with Maltese AML regulations. This includes:
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Examination of your AML Manual and Client Acceptance Policy
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Review of AML Risk Models and Business Risk Assessment
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Sample testing of customer files
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Review of sanctions screening procedures
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Evaluation of Country Risk Reports
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Review of internal screening processes and STR documentation
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Assessment of employee onboarding questionnaires
Client Onboarding Questionnaire Development
We design robust onboarding questionnaires that help identify and manage ML/FT risks from the start. This includes:
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Tailored questionnaires for both natural and legal persons
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Tools to support CAP (Customer Acceptance Policy) development
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Structured processes for onboarding intermediaries and agents
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Support for ongoing monitoring and retention reviews
AML Training for Designated Personnel & the MLRO
We provide tailored training aligned with your internal procedures, covering current AML/CFT frameworks and regulatory obligations. Training is delivered with presentation materials and certificates of attendance for:
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MLROs and Designated Employees
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Financial Crime Reporting Officers
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Directors and Senior Management
AML Services Outsourcing
We deploy qualified AML professionals to carry out core compliance functions on your behalf, either remotely or on-site. Services include:
-
Customer file reviews and updates
-
Customer acquisition support
-
Customer Due Diligence (CDD) and Enhanced Due Diligence (EDD)
-
Verification of customer and beneficial ownership information
-
PEP screening and adverse media checks
-
Customer Risk Assessments
-
Digital document management for due diligence files
Anti Money Laundering (AML) Evaluation and Health Checks
We conduct structured reviews to ensure your internal systems align with Maltese AML regulations. This includes:
-
Examination of your AML Manual and Client Acceptance Policy
-
Review of AML Risk Models and Business Risk Assessment
-
Sample testing of customer files
-
Review of sanctions screening procedures
-
Evaluation of Country Risk Reports
-
Review of internal screening processes and STR documentation
-
Assessment of employee onboarding questionnaires
Client Onboarding Questionnaire Development
We design robust onboarding questionnaires that help identify and manage ML/FT risks from the start. This includes:
-
Tailored questionnaires for both natural and legal persons
-
Tools to support CAP (Customer Acceptance Policy) development
-
Structured processes for onboarding intermediaries and agents
-
Support for ongoing monitoring and retention reviews
AML Training for Designated Personnel & the MLRO
We provide tailored training aligned with your internal procedures, covering current AML/CFT frameworks and regulatory obligations. Training is delivered with presentation materials and certificates of attendance for:
-
MLROs and Designated Employees
-
Financial Crime Reporting Officers
-
Directors and Senior Management
AML Risk Modelling, Risk Management, and CRA Development
We assist with the design and implementation of AML Risk Models that align with your business model and regulatory requirements. Our team supports the creation and refinement of Customer Risk Assessments (CRAs), providing a clear, documented, and defensible methodology.
Work Permit Compliance Support
When onboarding new employees, especially in compliance-critical roles, ensuring timely and compliant work permit procedures is essential. A2CO offers support in managing work permits as part of a broader compliance onboarding process.
Tailored AML Solutions Backed by Experience
Every organisation faces unique AML challenges. A2CO works closely with obliged entities to tailor services that align with internal structures and sector-specific needs. Our solutions are built to support MLROs, improve scalability, and reinforce internal risk management frameworks. Whether you need full resourcing support or specific assistance with onboarding or policy design, we bring clarity, experience, and structure to your compliance function.
We also support businesses navigating broader regulatory needs, including Malta company formation, VAT registration and compliance services, and GDPR compliance and data protection consultancy, ensuring a consistent and integrated approach to your obligations.
Why Choose A2CO
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Deep understanding of local AML regulations and obligations
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Proven experience supporting obliged entities across sectors
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Scalable solutions tailored to your operational needs
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Practical, risk-based approach to AML and KYC compliance
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Trusted by MLROs and compliance officers for consistent delivery
Frequently Asked Questions
AML and KYC outsourcing involves delegating compliance tasks such as due diligence, risk assessments, and monitoring to external specialists.
Outsourcing improves efficiency, reduces internal burden, and ensures access to up-to-date regulatory expertise.
Obliged entities such as financial institutions, corporate service providers, and gaming operators are required to meet AML compliance standards.
Yes, we help clients prepare for inspections by the FIAU, MFSA, and MGA through documentation reviews and compliance checks.
Yes, outsourcing is permitted under AMLR as long as it follows the applicable rules and responsibilities remain clearly assigned
