Anti-Money Laundering (AML) Services in Romania & Internationally

Preparation & Coordination

• I start by aligning with you on scope and expectations: scheduling meetings, identifying key contact persons, and requesting all relevant documentation.
• I carefully review the materials you provide to gain a clear understanding of your current AML framework, controls, and procedures.

Interviews & Process Analysis

• Executive Management – to assess their commitment, vision, and tone-from-the-top regarding AML.
• Compliance & AML Staff – to evaluate how responsibilities are carried out and how procedures are actually applied.
• Key Operational Functions – to identify how AML processes work in practice across different departments.

Conclusions & Reporting

• I identify deficiencies in the existing program, gaps compared to ONPCSB and FATF requirements, and risks that result from non-implementation.
• I provide practical, concrete recommendations to strengthen your AML framework and reduce compliance risks.

Deliverables

• A detailed audit report with findings, conclusions, and step-by-step recommendations for building an effective, efficient, and fully compliant AML program.

Activities

• I work closely with your stakeholders to fully understand your internal structure, business processes, and customer profiles.
• I collect all necessary supporting information in order to design clear workflows and draft compliant documents.
• I draft your AML policies and procedures in line with Law 129/2019, ONPCSB regulations, and FATF standards.
• Together with your team, I review and refine each document to ensure they are both practical and compliant.
• I assist you in implementing the agreed changes, embedding the procedures into your day-to-day operations.

Deliverables

• AML Policy tailored to your company’s profile
• KYC Procedure (B2C) for onboarding and monitoring individual clients
• Internal Business Partner KYC Procedure (B2B) for corporate due diligence
• Risk Assessment Methodology (RBA), built on a risk-based approach in line with AML legislation
• Procedure for Reporting to the FIU Romania (ONPCSB), including STR/CTR reporting obligations

Activities

• I coordinate with you to define the scope, schedule meetings, identify contact persons, and collect all relevant documents.
• I review your existing AML program, including any current Risk Assessment Methodology, and evaluate how it has been updated to reflect legislative or internal changes.
• I analyze previous risk assessments (if available) to understand how they addressed key AML risk factors such as clients, geographies, products, services, transactions, and delivery channels.
• I gather the necessary data and conduct a comprehensive AML risk assessment using a risk matrix and scoring model.
• I interview management, compliance staff, and operational functions to evaluate how AML procedures are applied in practice and how risks are managed day-to-day.

Deliverables

• A detailed AML Risk Assessment Report that includes:
  Findings and observations
  Ratings of the control environment
  A clear risk scoring model and, where applicable, a visual heatmap to highlight priority risk areas.

Activities

• I prepare customized training materials adapted to your company’s industry, risk profile, and internal procedures.
• I deliver interactive workshops and simulations, using real-life case studies relevant to your employees’ daily roles.
• I design e-learning modules that are short, practical, and easy to complete at each employee’s own pace.
• I support internal communication campaigns through newsletters, intranet articles, and visual materials (such as posters) to raise ongoing awareness about AML.

Deliverables

• Tailored AML training sessions for employees and management
• Workshops and role-play exercises that ensure engagement and knowledge retention
• Ready-to-use e-learning modules for continuous compliance education
• A structured awareness campaign toolkit to embed AML culture across your organization

Activities

• I conduct interviews with relevant staff members to understand how AML responsibilities are carried out in practice.
• I analyze your current AML policies, procedures, onboarding records, KYC files, and transaction monitoring systems.
• I perform sample-based testing of processes, customer records, and transactions to verify compliance with both internal procedures and applicable legislation.

Deliverables
At the end of the audit mission, I provide a detailed AML Audit Report, which includes:

• A clear description of the findings identified
• An objective assessment of your company’s compliance level
• Practical recommendations for improving AML/CFT processes and controls

Benefits

• Ensures that your AML compliance program is effectively implemented and aligned with ONPCSB and FATF requirements
• Identifies potential risks of non-compliance before they become regulatory issues
• Provides actionable recommendations to strengthen your compliance framework
• Builds confidence with management, auditors, and regulators by demonstrating commitment to AML/CFT compliance
• Recommended frequency: an AML Audit every 12 months to keep your compliance program up-to-date and effective

Focus on your business — I’ll handle the compliance headaches.
My goal is to help you stay compliant, avoid penalties, and build lasting trust with regulatory authorities.

I provide end-to-end AML/CFT regulatory support, whether you are preparing for an inspection, addressing post-control findings, or requiring expert witness services.

Pre-Control Preparation

• I help you identify compliance gaps and risks in advance
• I design and strengthen your AML/CFT framework so it stands up to inspection
• I prepare your staff and documentation for upcoming regulatory reviews

Post-Control Support

• I analyze regulators’ findings and identify root causes
• I develop and implement clear remediation plans
• I ensure your responses to deficiencies are effective, timely, and compliant

Expert Witness Services

• I bring my AML/CFT expertise into court or arbitration proceedings
• I provide independent analysis, professional testimony, and support for your legal team
• I strengthen your case by explaining complex AML/CFT matters clearly and credibly

 I offer flexible long-term AML collaboration so you can focus on running your business while I take care of compliance. Instead of hiring a full-time Head of AML Department, you gain access to my expertise as an outsourced AML Designated Person (MLRO) at a predictable cost.

Examples of monthly activities

• Ongoing support for transaction monitoring and identification of suspicious transactions
• Periodic updates of your AML/CFT program to reflect legal or business changes
• Regular AML training sessions for staff and management
• Performing internal compliance controls and follow-ups
• Representation before regulatory authorities (ONPCSB, FIU Romania, or other regulators)
• Additional support tailored to your specific needs

Benefits of long-term collaboration

• Peace of mind – confidence that your AML/CFT compliance requirements are met continuously
• Cost savings – outsourcing the MLRO function is more efficient than hiring full-time staff
• Direct access to expertise – ongoing guidance from a qualified AML professional with 20+ years of experience
• Flexibility – a collaboration plan adapted to your company’s risk profile and operational needs

Collaboration model
Together, we will define a monthly plan including the number of hours and activities required to keep your organization fully compliant. This approach is a cost-effective alternative to maintaining an in-house AML department — saving you both time and money, while ensuring you benefit from trusted, ongoing expertise.