Málaga · AML Operations Hub for Regulated Europe

Outsourced AML Operations for High-Risk Regulated Businesses

Scale your AML operations with experienced oversight, AI-assisted workflows and cost-efficient analyst support — delivered from Málaga, Spain.

Who We Support

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.

What We Do

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.

Why Málaga

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
Built for Scale

An operating model designed around your MLRO

01
Client
Regulated entity & policies
02
AML Ops Malaga
Operations & coordination
03
AML Analysts
Execution under your SOPs
04
QA & Escalation
Independent quality layer
05
Client MLRO / Compliance
Decisioning & reporting
The regulated entity always remains responsible for its AML/CTF compliance obligations. AML Ops Malaga provides operational support and execution under the entity's policies and supervision.
AI-Assisted, Human-Supervised

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.

AML Cost Calculator

What is your AML operating cost?

Estimate your current AML operational cost and outsourcing potential in under 3 minutes.

Estimated annual AML cost
€ —
Based on team & tooling
Estimated staffing burden
— FTE
Across analyst & senior roles
Operational complexity
Sector & jurisdiction weighted
Outsourcing suitability
Indicative score

Reduce AML operational pressure without compromising quality.

We're onboarding an initial cohort of regulated entities. Join the waiting list to secure priority access at launch.