AMLR whitepapers · August 2026
Transaction monitoring under AMLA’s draft guidelines
Three papers that walk through AMLA’s draft guidelines on ongoing monitoring, and translate them into the capabilities your transaction monitoring needs.
Free to download, no form required.
3 June – 3 September 2026
Consultation on the draft guidelines
Q4 2026
Final guidelines expected · we are here
10 July 2027
AMLR applies
These papers reflect AMLA’s consultation paper of 3 June 2026.
Start here
Overview: Requirements and capabilities
An extended management summary in eight pages. It sets out what AMLA Guideline 2 asks of a monitoring framework, and groups the requirements into six core capabilities an institution needs to have in place under AMLR.
Inside the whitepaper
- What the framework must detect, and what it measures against
- What the framework must demonstrate, and how it stays effective
- Six core capabilities for a compliant monitoring framework
Plus the monitoring lifecycle, the timeline and the overlap between AMLR and the PSR.
Go deeper: the analysis
Two detailed papers of twenty pages each carry the full analysis, with references to the paragraphs of the draft guidelines.
Part 1
What the framework must detect, and what it measures against
- A single view of the customer
- What deviation is measured against
- Detecting across time and networks
- Design and its limits
Part 2
What the framework must demonstrate, and how it stays effective
- What effectiveness means
- Staying fit for purpose
- Explainability, and to whom
- Data, tools and responsibility
Where to start
Head of Financial Crime, MLRO
The overview, then Part 2 for what you will need to demonstrate.
Transaction monitoring and model owners
Part 1, on what the framework must detect.
Data science and model validation
Part 1 and Part 2.
Compliance audit and risk
Part 2, on effectiveness, explainability and the audit trail.
Stay updated
Get notified when the final guidelines are out
AMLA expects to publish the final guidelines in Q4 2026. Leave your email address and we will let you know when they are out, and what has changed compared to the draft.
We only use your address for this update.
Preparing for AMLR?
Let’s get in touch
Every institution starts from a different setup, with its own data, systems and risk appetite. We’re happy to think along about where your transaction monitoring stands today and which changes are required to meet AMLR by July 2027.
