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KYB, KYC, and AML Regulations in Europe

Key Regulations, Authorities, and Compliance Solutions for Businesses Operating in Europe.

Key EU AML Regulations

In Europe, the fight against money laundering and terrorist financing is governed by a comprehensive legislative framework and binding agreements between EU member and non-member countries.

The European Money Laundering Directives: There are currently six European Money Laundering Directives, with each directive building upon the last. These directives have established the EU’s legal framework for anti-money laundering and counter-terrorist financing. The Directives are particularly notable for extending the scope of KYB and corporate beneficial ownership, KYC and virtual client verification, and AML ongoing monitoring for sanctions, watchlists, political exposure, and adverse media.

The EU Anti-Money Laundering Authority (AMLA): A new regulatory body is being developed to focus on strengthening the EU’s fight against money laundering and terrorist financing. AMLA’s key functions include coordinating national efforts, directly supervising high-risk entities, ensuring regulatory consistency, and facilitating international cooperation.

Key Authorities

European Commission: Responsible for proposing legislation and ensuring its implementation across member states. It plays a significant role in formulating AML/CFT policies at the EU level.
EU Anti-Money Laundering Authority (AMLA): Once operational, AMLA will transform AML/CFT supervision in the EU and enhance cooperation among financial intelligence units (FIUs). It will be a central authority coordinating national authorities to ensure consistent application of EU rules.

Compliance Strategies

Harmonization of AML/CFT Rules: The EU aims for a harmonized set of rules across member states to ensure a uniform approach to AML/CFT.

Enhancing Operations: Improve efficiency and eliminate process failures with artificial intelligence and robotic process automation to scale KYB, KYC, and AML compliance operations.

For detailed information about the EU’s AML/CFT legislative package and what you need to do to comply, you can refer to the European Commission’s website here.

For a comprehensive overview of the EU Anti-Money Laundering Authority and its functions, you can visit the dedicated website here.

For insights into the most important AML and CTF regulations in the EU, the Financial Crime Academy offers a detailed breakdown here.

Supporting AML Regulations Around the World 

Configure unique KYB, KYC, and AML workflows for Europe and aborad.

iComply solutions available in Europe

KYB - Know Your Business

Corporate onboarding, entity affiliation, complex beneficial owenrship, and more...

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KYC - Know Your Customer

User onboarding, document authentication, biometrics, liveness, and more...

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AML - Anti-Money Laundering

Screening and daily monitoring for sanctions, warnings, fitness, PEPs, adverse media, and more...

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How iComply helps leaders in compliance

Global Coverage

Build unique workflows by country to manage KYB, KYC and AML operations supporting 142 languages, 13,500 government issued photo IDs, and domestic data processing in 195 countries.

Enhance Operations

Streamline KYB, KYC, and AML processes while consolidating 5-23 vendors. Reduce technical complexity, eliminate process failures and automate 90% of manual processes for your staff.

Customer Satisfaction

Improve your customer satisfaction by up to 25% with a frictionless customer experience whether at onboarding, to fulfill enhanced due diligence requirements, and periodic reviews.

Discover the Power of iComply solutions

Ready to take advantage of our complete KYB, KYC and AML solutions for European legal, accounting, financial services and crypto asset services providers?

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Vaidyanathan Chandrashekhar

Vaidyanathan Chandrashekhar

Advisors

“Chandy,” is a technology and risk expert with executive experience at Boston Consulting Group, Citi, and PwC. With over two decades in financial services, digital transformation, and enterprise risk, he advises iComply on scalable compliance infrastructure for global markets.
Thomas Linder

Thomas Linder

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Thomas is a global tax and compliance expert with deep specialization in digital assets, blockchain, and tokenization. As a partner at MME Legal | Tax | Compliance, he advises iComply on regulatory strategy, cross-border compliance, and digital finance innovation.
Thomas Hardjono

Thomas Hardjono

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Thomas is a renowned identity and cybersecurity expert, serving as CTO of Connection Science at MIT. With deep expertise in decentralized identity, zero trust, and secure data exchange, he advises iComply on cutting-edge technology and privacy-first compliance architecture.
Rodney Dobson

Rodney Dobson

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Rodney is the former President of ADP Canada and international executive with over two decades of leadership in global HR and enterprise technology. He advises iComply with deep expertise in international service delivery, M&A, and scaling high-growth operations across regulated markets.
Praveen Mandal

Praveen Mandal

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Praveen is a serial entrepreneur and technology innovator, known for leadership roles at Lucent Bell Labs, ChargePoint, and the Stanford Linear Accelerator. He advises iComply on advanced computing, scalable infrastructure, and the intersection of AI, energy, and compliance tech.
Paul Childerhose

Paul Childerhose

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Paul is a Canadian RegTech leader and founder of Maple Peak Group, with extensive experience in financial services compliance, AML, and digital transformation. He advises iComply on regulatory alignment, operational strategy, and scaling compliance programs in complex markets.
John Engle

John Engle

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John is a seasoned business executive with senior leadership experience at CIBC, UBS, and Accenture. With deep expertise in investment banking, private equity, and digital transformation, he advises iComply on strategic growth, partnerships, and global market expansion.
Jeff Bandman

Jeff Bandman

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Jeff is a former CFTC official and globally recognized expert in financial regulation, fintech, and digital assets. As founder of Bandman Advisors, he brings deep insight into regulatory policy, market infrastructure, and innovation to guide iComply’s global compliance strategy.
Greg Pearlman

Greg Pearlman

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Greg is a seasoned investment banker with over 35 years of experience, including leadership roles at BMO Capital Markets, Morgan Stanley, and Citigroup. Greg brings deep expertise in financial strategy and growth to support iComply's expansion in the RegTech sector.
Deven Sharma

Deven Sharma

Advisors

Deven is the former President of S&P and a globally respected authority in risk, data, and capital markets. With decades of leadership across financial services and tech, he advises iComply on strategic growth, governance, and the future of trusted data in AML compliance.