Outsourced AML Operations for High-Risk Regulated Businesses
A new AML operations centre in Málaga delivering KYC, EDD, transaction monitoring and remediation — executed by experienced analysts under your MLRO's supervision, supported by AI.
Download the one-page service overview (PDF)Founded by Andréas Hobbelin · 15+ years AML across banking, fintech, PSPs and crypto.
End-to-end AML operations
KYC, EDD, transaction monitoring, screening, QA and remediation — delivered as a managed service under your policies.
Senior AML practitioners
Founded and led by Andréas Hobbelin with 15+ years across regulated sectors. Spanish analyst teams trained in Málaga.
Scoping call, then a proposal
A 30-minute confidential call to scope volumes and jurisdiction, followed by a written proposal. We reply to enquiries within one business day.
Typical situations we are called into
If one of these sounds familiar, a 30-minute scoping call is usually enough to tell you whether outsourcing helps.
- An alert or KYC backlog is growing faster than the team can clear it
- A regulator, auditor or bank has asked for a remediation plan with a deadline
- Volumes doubled after a new market or product launch and hiring cannot keep up
- Key analysts left, are on leave, or the MLRO is carrying operational work personally
- In-house cost per case is too high for the volumes you are processing
- A licence application or supervisory visit needs documented, consistent case files
Built for high-risk regulated sectors
Operational AML capacity for entities supervised across Malta, the Nordics, the UK and Europe.
Online Gambling
High-volume player onboarding, source of funds and continuous monitoring.
Payment Institutions
Merchant due diligence, transaction surveillance and SAR support.
EMIs
Customer onboarding, screening and ongoing monitoring at scale.
Crypto & CASPs
Travel rule, on-chain analytics review and CASP onboarding workflows.
Fintech
Risk-based AML operations for fast-scaling regulated fintechs.
Cross-Border Payments
FX corridors, sanctions exposure and counterparty screening.
High-Risk Financial Services
Operational AML capacity for complex risk profiles.
A full operational AML stack
From onboarding to monitoring, QA and remediation — executed under your policies and your MLRO's oversight.
KYC / CDD Operations
End-to-end onboarding execution under your risk policy.
Enhanced Due Diligence
Source of wealth, source of funds and complex EDD files.
Transaction Monitoring Review
L1/L2 alert handling against your scenarios and thresholds.
PEP & Sanctions Screening
Hit disposition, false-positive reduction and audit trail.
Alert Handling & Escalation
Structured triage and escalation to your MLRO.
Periodic Reviews
Risk-based cyclical reviews delivered on schedule.
QA & Quality Control
Independent file QA against regulatory expectations.
Backlog Remediation
Time-boxed projects to clear KYC/TM/EDD backlogs.
AML Staffing Support
Dedicated and shared AML analyst capacity.
AML Training Support
Operational training aligned with your SOPs.
AI-Assisted AML Operations
AI as a support tool — humans always supervise.
A strategic European AML operations base
Operational efficiency without compromising quality
Málaga combines a deep international talent pool with European regulation, CET working hours and a significantly lower cost base than Malta, the Nordics or the UK.
- Lower operational costs than Malta and the Nordics
- European business hours and CET timezone alignment
- International, multilingual AML talent pool
- Scalable operations with rapid ramp-up capacity
- Strong QA and oversight culture
- AI-assisted workflows for operational efficiency
- Cost-efficient staffing structure
- English-speaking environment
An operating model designed around your MLRO
Operational efficiency with accountable oversight
AI-assisted workflows
Pre-classification, summarisation and pattern detection accelerate analyst review.
Standardised reviews
Consistent decision frameworks aligned to your risk appetite.
Human supervision
Every decision is reviewed by an analyst — no autonomous compliance decisions.
Operating against the Spanish AML risk framework
Aligned with Spanish AML risk guidance
Our operational playbooks reference the official risk framework published by SEPBLAC and the Tesoro (Comisión de Prevención del Blanqueo de Capitales) — including the National Risk Assessment, typologies and sector-specific communications.
- Tesoro — National Risk Assessment 2024 (Addendum, public summary)
- Tesoro — Typologies (Tipologías delictivas)
- SEPBLAC — Geographic risk guidance
- Tesoro — CIR: Crypto-asset service providers (PSCA)
- Tesoro — CIR: Gambling (Juego)
- Tesoro — CIR: Payment institutions, FX & e-money
External official publications. Referenced as risk inputs — no endorsement implied.
Estimate your monthly AML operating cost
Adjust the inputs below for an instant indicative range. For a full breakdown across staffing, tooling and complexity, use the detailed calculator.
Indicative AML Ops Málaga managed cost. Excludes regulated entity overhead and tooling.
Estimates only — actual pricing depends on risk profile, SLAs, scope and tooling. The regulated entity remains responsible for its AML/CTF obligations.
Reduce AML operational pressure without compromising quality.
We are onboarding a small number of regulated entities this quarter. Tell us where the pressure is and we will come back with a scoped proposal.