AMLD6 broadens the scope of money-laundering offences, harmonises predicate offences across EU member states and toughens corporate criminal liability for AML failings.
Who it affects
- Banks, payment institutions and EMIs
- Crypto-asset service providers (CASPs)
- Real estate, legal and audit professionals
- High-value goods dealers above EU thresholds
Key obligations
- Enhanced KYB and UBO verification at onboarding and on trigger events
- Sanctions, PEP and adverse-media screening with documented decisioning
- Risk-based ongoing monitoring with auditable evidence
- Suspicious activity reporting (SAR) within statutory deadlines
Penalties
Criminal liability for legal persons, fines up to 10% of annual turnover, withdrawal of authorisations and personal liability for senior managers.
How RisQo helps
RisQo's KYB + AML module combines UBO discovery, sanctions/PEP/adverse-media screening and continuous monitoring with an exportable audit trail aligned to AMLD6 evidentiary expectations.
This explainer is provided for informational purposes only and does not constitute legal advice. Always consult qualified counsel before making compliance decisions.