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We embed expert AML professionals into your team — delivering enterprise-grade compliance without the cost and complexity of building a full in-house function.
AML Watchtower is a boutique AML outsourcing partner supporting fintechs, payment
institutions, and virtual asset service providers.
We provide embedded 1st line AML support,
integrating into your team to deliver high-quality, execution-focused compliance operations.
Each service is delivered by dedicated specialists and tailored to your regulatory perimeter, risk appetite, and operational scale.
We provide comprehensive customer onboarding and due diligence services. We handle identity verification, customer risk assessment, beneficial ownership identification, sanctions & PEP screening, and source of funds checks — helping you onboard clients efficiently and in full compliance.
We continuously monitor customer transactions to detect suspicious activity, money laundering, and terrorist financing risks. Our team manages alerts, performs investigations, and prepares high-quality SAR/STR drafts for your MLRO.
We support continuous monitoring and periodic review of your customer portfolio. We update risk profiles, perform trigger-based reviews, and conduct adverse media screening to ensure your customer risk remains accurate and up to date.
We begin with a structured review of your current AML programme, regulatory obligations, risk appetite statement, and any outstanding supervisory findings. This produces a prioritised gap register and a proposed scope of work.
Working closely with your MLRO or compliance function, we design bespoke policies, procedures, and operational workflows — calibrated to the regulatory environment and business model specific to your company.
Our analysts embed directly into your operations — joining your communications channels, attending relevant meetings, and taking ownership of day-to-day AML tasks within the agreed service scope.
We provide regular management reporting on key AML metrics, alert volumes, SAR/STR statistics, and programme health — equipping your board and MLRO with the governance intelligence they need.
Full alignment with EU Anti-Money Laundering Directives and the incoming AML Regulation — including the new AMLA supervisory requirements from 2025.
Expertise in UK Money Laundering Regulations and FCA SYSC & JMLSG guidance, including post-Brexit divergence tracking.
Risk-based approach programmes grounded in FATF's 40 Recommendations and mutual evaluation methodology — applicable to all jurisdictions.
Specialised support for virtual asset service providers navigating MiCA licensing, the FATF Travel Rule, and crypto-asset transaction monitoring.
In-depth knowledge of Lithuanian FCIS, Latvian FKTK, and Estonian FIU requirements — including local supervisory expectations and reporting obligations.
Sanctions compliance programme design, screening architecture review, and breach escalation procedures across all major sanctions regimes.
Tell us about your organisation and compliance challenges. We'll arrange a confidential introductory call within one business day.