The official guidance we work from
We do not invent our own standards. Our operational playbooks, risk scoring and analyst checklists are built on published Spanish and EU sources — here they are, with a note on how each one is used.
Spanish AML framework
- Ley 10/2010 — Spanish AML/CTF Act
The core obligations for Spanish obliged entities: customer due diligence, record keeping, internal controls and reporting.
- SEPBLAC — Geographic risk guidance
Used when scoring country and residence risk in onboarding and periodic review.
- Tesoro — National Risk Assessment 2024 (public summary)
Sets the national view of sector and threat exposure; we map it into risk-appetite and alert prioritisation.
- Tesoro — Criminal typologies
Concrete laundering patterns we translate into analyst red flags and monitoring scenarios.
- Tesoro — CIR: crypto-asset service providers
Sector-specific expectations for CASPs, including travel-rule and on-chain risk indicators.
- Tesoro — CIR: gambling
Player onboarding, source-of-funds thresholds and monitoring expectations for gambling operators.
- Tesoro — CIR: payment institutions, FX and e-money
Agent and merchant due diligence, plus transaction surveillance expectations for PSPs and EMIs.
- SEPBLAC — reporting and obliged-entity information
The Spanish FIU: reporting channels, statistics and supervisory communications.
External official publications. Referenced as risk inputs — no endorsement implied.
From published guidance to daily execution
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.