AML (Anti-Money Laundering)

AML — комплекс мер по предотвращению использования финансовой системы для отмывания денег. Обязателен для gambling operators.

Framework

Customer Due Diligence (CDD). Enhanced Due Diligence (EDD) для high-risk. Ongoing monitoring. Suspicious Activity Reports (SAR). Record keeping 5+ лет. Staff training. MLRO — accountable role.

Risk assessment

Business-wide: risk profile. Customer risk: PEPs, high-risk countries. Product risk: crypto higher. Geographic: sanctions countries. Delivery: online vs in-person. Обновляется ежегодно.

Technology

Transaction monitoring: rules + ML. Sanctions screening real-time. PEP databases. Adverse media. Blockchain analytics для crypto. Alert management. Investigator workflows.

FATF standards

40 Recommendations global framework. Country evaluations. Grey/black lists. Gambling MCC 7995 — designated non-financial business. Recommendation 22-23 применимы. Постоянное обновление.