AML controls that pass bank reviews without slowing your growth
Weak AML is the fastest way to lose a bank
When a bank or acquirer reviews your business, the AML framework is one of the first things it checks. A template policy, a risk assessment that does not match your customers or monitoring that exists only on paper is enough to trigger enhanced review, reduced limits or an account closure.
At the same time, overly heavy KYC drives customers away. The goal is a framework that satisfies partners and keeps onboarding efficient – and that is what we build.
A financial crime framework built around your business
Business-wide risk assessment and risk appetite
CapitaLogic assesses the risks specific to your customers, products, channels and jurisdictions, and define a risk appetite your partners can support.
AML/CFT policies, procedures and controls
We draft documentation tailored to your business model, not adapted from a template.
KYC, KYB and ongoing monitoring
CapitaLogic Consulting designs onboarding and monitoring processes that balance compliance with onboarding speed and conversion.
Remediation programmes
We plan and support your response to supervisory or banking partner findings, with clear priorities and documented progress.
For businesses whose AML is under constant review
Companies preparing to open bank, safeguarding or acquiring accounts
High-risk businesses that need to prove strong controls to partners
Licensed payment,
e-money and crypto-asset firms updating controls for new rules
Firms that have received findings from a bank, acquirer, auditor or regulator
From risk assessment to working controls
Diagnostic
We review your current framework, customer base and onboarding flows.
Risk assessment
We document your risk exposure and agree the risk appetite with management.
Framework build
We draft or rewrite policies, procedures and KYC/KYB requirements.
Implementation
We work with your compliance and product teams to embed controls without breaking the customer journey.
Compliance that protects revenue
An AML framework that stands up to bank and acquirer due diligence
Faster, smoother onboarding for low-risk customers
Stronger controls where the real risk sits
A clear plan to close gaps before they cost you a partner
Often combined with
Payments Consulting
aligning controls with acquirer and banking partner requirements.
Licensing & Market Entry
submitting an AML framework as part of your licence application.
Regulatory Advisory
keeping your framework current as AML rules change.
Give banks a reason to say yes
Tell us about your business model, customers and current controls. CapitaLogic team will show you where your framework needs strengthening before a partner points it out.