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Business Risk Assessment (BRA) Services in Malta
Meeting anti money laundering obligations begins with a strong Business Risk Assessment (BRA). Under the Prevention of Money Laundering and Funding of Terrorism Regulations (PMLFTR), subject persons, especially new businesses, are required to conduct a BRA. At A2CO, we offer tailored BRA services to help your business remain compliant and well prepared.
Why a Business Risk Assessment Matters to Mitigate Risk
A BRA is more than a regulatory requirement. It is a foundation for sound decision making. It helps identify the risks your business may face and ensures your current business model is in line with its risk appetite. With the right assessment in place, you can protect your business and meet all anti money laundering expectations. These risks may include financial, reputational, regulatory, and operational threats, as well as physical hazards that could disrupt your business.
Business Risk Assessment: Our BRA Methodology
Our BRA Methodology is Not Just a Risk Assessment Template: Assessing the Type of Risk Your Business May Face
We take the time to understand your business and its operating environment. Our BRA methodology involves a detailed review of specific risks, assessing both inherent and residual risks. This approach supports a strong risk based framework aligned with your policies and procedures.
Risk Analysis: How We Analyse Risk Exposure and Evaluate Potential Impact
Our process includes analysing statistical data, such as customer risk categorisation and channel risk figures. Using a structured assessment matrix, we evaluate the likelihood and potential impact of identified risks. This provides a clear understanding of your business’s exposure and supports better risk management and mitigation of potential risks.
Supporting You to Identify the Risks and Minimise Exposure
With A2CO, your Business Risk Assessment will be tailored, thorough, and fully aligned with regulatory requirements. Our experienced team helps subject persons navigate anti money laundering regulations confidently and efficiently, ensuring full adherence to FIAU implementing procedures.
Our BRA Methodology is Not Just a Risk Assessment Template: Assessing the Type of Risk Your Business May Face
We take the time to understand your business and its operating environment. Our BRA methodology involves a detailed review of specific risks, assessing both inherent and residual risks. This approach supports a strong risk based framework aligned with your policies and procedures.
Risk Analysis: How We Analyse Risk Exposure and Evaluate Potential Impact
Our process includes analysing statistical data, such as customer risk categorisation and channel risk figures. Using a structured assessment matrix, we evaluate the likelihood and potential impact of identified risks. This provides a clear understanding of your business’s exposure and supports better risk management and mitigation of potential risks.
Supporting You to Identify the Risks and Minimise Exposure
With A2CO, your Business Risk Assessment will be tailored, thorough, and fully aligned with regulatory requirements. Our experienced team helps subject persons navigate anti money laundering regulations confidently and efficiently, ensuring full adherence to FIAU implementing procedures.
Our Services
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Business risk assessments tailored to your specific risks, industry, and operating environment
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Development of risk management plans to support long term business resilience
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Identification and analysis of inherent and residual risks across financial, operational, regulatory, and physical hazard areas
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Practical guidance on how to mitigate, minimise, and manage identified risks
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Business continuity risk assessments to prepare for disruption and crisis scenarios
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Templates, tools, and reporting frameworks aligned with FIAU implementing procedures and regulatory expectations
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Risk assessment and compliance support for subject persons operating in or from Malta
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Ongoing advisory to help you evaluate, update, and maintain a risk based approach that supports your business model
Why Choose A2CO
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Clear, practical advice written in plain language you can act on
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Proven experience supporting subject persons across Malta and the EU
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Tailored business risk assessments based on your specific risks, goals, and industry
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Structured frameworks and templates to support regulatory compliance, including FIAU implementing procedures
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End to end support, from identifying and analysing risks to developing a complete risk management plan
Frequently Asked Questions
A business risk assessment (BRA) is a structured evaluation of the specific risks your business may face, including inherent and residual risks, to ensure your current business model is in line with its risk appetite.
Yes, all subject persons, including small businesses, must conduct a business risk assessment and adopt a risk-based approach under anti money laundering regulations in Malta.
Risk assessment identifies and evaluates potential risks, while risk management focuses on implementing measures to mitigate or minimise those risks.
While a risk assessment template can help you structure your analysis, it is important that the content reflects the specific risks and operating environment of your business.
To write a business risk assessment, you must identify the risks, analyse potential impact, and document the BRA methodology used to evaluate the level of risk across your current business operations.
Yes, subject persons in Malta are required to conduct a business risk assessment under the Prevention of Money Laundering and Funding of Terrorism Regulations (PMLFTR).
Common risks include financial disruption, reputational risk, regulatory breaches, supply chain issues, and exposure to anti money laundering or terrorism concerns.
