Introduction

Do you already have written AML procedures? Compliance means making sure they're actually applied, day to day — ongoing monitoring, periodic reviews, preparation for inspections. We don't implement from scratch; we maintain and update what you already have.

What AML Compliance Means

AML Compliance is different from a one-off deliverable or a single piece of advice — it's an ongoing operational relationship. Law 129/2019 requires reporting entities to continuously monitor the business relationship with each client, not just carry out an initial check; compliance is the service through which this obligation is actively maintained over time.

What's Included

Ongoing Monitoring

Periodic verification of client information, updating of KYC data, and transaction analysis to identify relevant changes in risk profile.

Document and Process Review

Periodic updates to internal procedures, so they reflect legislative changes and changes in the company's activity.

Inspection Preparation

Internal simulations and checks before ONPCSB requests an inspection, plus organizing the necessary documentation.

Team Support and Training

Periodic training for the designated AML officer and involved staff, so procedures are correctly applied in practice, not just on paper.

Who Needs This Service

• Companies that already have procedures but lack the internal resources to manage them on an ongoing basis

• Companies that have been through an inspection and received remediation recommendations

• Companies that want to prevent non-compliance, not just react to it

When You Need Compliance, Not Another Service​

If your AML documents already exist (drafted by us or by someone else) but no one is actively handling their application, updating, and monitoring, this is the right service.

Why AML Expert

AML Expert's services are backed by over 20 years of experience in the field, including a period spent as Director of Supervision and Control at ONPCSB — a direct understanding of what inspectors actually look for during an inspection, not just at the point documents are drafted.

Coverage

We provide AML compliance services for companies in Bucharest, Ilfov, and throughout Romania.

Frequently Asked Questions

What is the difference between compliance and an AML audit?

An AML audit is a check at a given point in time, with a report as the deliverable. Compliance is ongoing maintenance, with no defined end point.

Does compliance include drafting the initial procedures?

Not directly — if you don't yet have the base documents, see the AML Procedures service. Compliance maintains and updates what already exists.

What is the difference from AML Advisory?

AML Advisory is strategic, decision-level advice. Compliance is day-to-day operational execution — monitoring, reviews, inspection preparation.

How often should procedures be reviewed as part of compliance?

The law doesn't set a single universal deadline — we recommend a review at least once a year, or immediately after a relevant legislative or operational change.