We provide outsourced KYC/ODD analyst teams to fintech companies, EMIs, and payment institutions across the EU — fully remote, ready in two weeks, at 40–50% lower cost than building in-house, with no recruitment fees and a 30-day scale-down clause.
EMIs carry full AML obligations under AMLD6 and face intense supervisory scrutiny. We provide embedded KYC/ODD teams and MLRO support that meets the standard your NCA actually expects.
High transaction volumes require scalable, accurate KYC and ongoing monitoring. Our teams handle CDD, EDD, PEP and sanctions screening at the volume and quality your licence demands.
Consumer credit AML obligations are growing. We help lending fintechs build KYC infrastructure that satisfies both AML requirements and credit risk appetite — without duplicating work.
MiCA requires CASPs to demonstrate full AML substance — not just policy documents. We provide MLRO outsourcing, KYC team support, and the on-chain analytics capability that MiCA requires.
US, UK, and APAC companies launching EU-licensed entities need to build AML infrastructure quickly. We handle the team, the MLRO role, and the programme — from licence application through to live operation.
If you build compliance tools for regulated clients, we can provide the AML expertise your product needs — whether that's advisory, audit validation, or analyst teams embedded alongside your technology.
Every engagement starts with understanding your regulatory obligations, your current AML infrastructure, and where the gaps are. We scope before we propose — no generic retainers.
EU-based KYC analysts and ODD investigators provided remotely, fully aligned to your AML policies, risk appetite, and regulatory framework. Scalable from a single analyst to a full team. Onboarding from two weeks.
A senior, qualified MLRO or Deputy MLRO provided on a fractional or full-time basis — with real regulatory accountability, independent reporting lines, and the mandate to actually run your AML programme.
Gap assessment, programme design, policy and procedure documentation, and ongoing advisory for fintechs building or overhauling their AML framework — including MiCA-specific AML substance requirements for crypto CASPs.
Independent AML effectiveness audit, pre-examination health check, and thematic reviews — producing structured, reusable evidence aligned to ISO 19011 methodology and mapped to your regulatory obligations.
Building an in-house AML team takes 3–6 months. Our teams are operational in two weeks — against the same regulatory clock your NCA is watching.
Monthly fixed rates with no recruitment fees, no employer NI, no redundancy risk. Budget certainty at the exact moment your compliance spend is under scrutiny.
Your analysts and MLRO have done this before — in regulated environments, under real supervisory pressure. Not compliance generalists learning on the job at your expense.
Add analysts as your customer volume grows. Scale down in 30 days if you need to. No headcount commitments, no organisational restructuring, no awkward conversations.
We scope before we propose. Every engagement starts with understanding your regulatory framework, current infrastructure, and gap — so the team we provide is configured to your actual situation, not a generic template.
We review your AML framework, understand your regulatory obligations, and assess your current gap. You receive a written proposal with team configuration, timelines, and fixed monthly rate.
We review your AML policies, access your systems with least-privilege credentials, and brief the team on your risk appetite and customer typologies. NDA and data processing agreements signed.
Your team begins working your case queue — CDD, EDD, PEP/sanctions screening, ongoing monitoring. Weekly quality reporting. Escalations handled same-day.
Monthly performance review against your AML KPIs. Team scales up or down with 30 days' notice. Regulatory changes flagged and programme updated as needed.
For most fintech companies at Series A to C, outsourcing is the faster, cheaper, and lower-risk path to AML compliance. The in-house model makes sense when you have predictable, high-volume throughput and the management bandwidth to run a compliance function.
The NCA wants to see a functioning AML team and a qualified MLRO before granting or renewing a licence. We provide both — fast enough to meet the application timeline.
An upcoming NCA visit or audit. We provide an independent gap assessment and, where needed, embed analysts to clear the backlog before examiners arrive.
High false-positive rates, case backlogs, or SAR quality issues. We audit your current operation and either supplement or replace the function.
Onboarding volumes outpacing your KYC capacity. We scale the team in 30 days — no recruitment cycle, no quality dip.
MiCA requires crypto asset service providers to demonstrate genuine AML substance — not just policies on paper. Regulators expect a qualified MLRO, a functioning KYC team, and documented processes that actually run. The template compliance packages being sold in the market will not pass an NCA examination.
We provide operational AML substance for CASPs — including MLRO outsourcing, KYC analyst teams, AML programme documentation, Travel Rule implementation, and ongoing monitoring. We work with CASPs applying for their MiCA CASP licence and those already licensed needing to upgrade their compliance infrastructure.
MiCA Article 38 requires CASPs to appoint a qualified AML officer with genuine responsibility and independence — not a nominal appointment.
Full CDD/EDD obligations apply to all CASP customers. Ongoing monitoring required. High-risk jurisdictions and PEPs require enhanced procedures.
The Transfer of Funds Regulation requires CASPs to collect and transmit originator and beneficiary information on crypto-asset transfers — with VASP screening obligations.
Transaction monitoring must cover both fiat and on-chain activity. Regulators increasingly expect blockchain analytics capability as a standard.
A documented BWRA covering customer risk, product risk, geographic risk, and channel risk — reviewed annually and updated for regulatory changes.
We were under pressure from the MFSA ahead of our annual AML review. Our KYC backlog had grown to a point where we couldn't clear it with our existing team. Scanlex deployed four analysts within ten days. They integrated into our systems, followed our procedures exactly, and cleared the backlog two weeks before the review date. The MFSA found no material issues with our KYC function. That was a direct result of the work Scanlex put in under real time pressure.
We brought Scanlex in when our customer onboarding volumes doubled in three months and our internal KYC team simply could not keep pace. Two analysts were operational within two weeks. The handover was clean, the quality was consistent from day one, and we didn't have to manage them — they managed themselves and reported to us weekly. Exactly what we needed.
We compared three outsourcing providers before choosing Scanlex. What decided it was the quality of their onboarding process — they reviewed our AML policies, asked the right questions about our customer base, and came in already calibrated to our risk appetite. Six months in, their ODD output quality matches what our best in-house analyst produces.
As a Cyprus-licensed PI we needed a KYC/ODD team that understood CySEC expectations and AMLD6 requirements simultaneously. Scanlex delivered both. They handle our ongoing EDD reviews and high-risk customer monitoring. The cost compared to expanding our internal team is significantly lower — and the regulatory quality is higher than what we had before.
Three client engagements — different situations, same result: faster compliance, lower cost, and regulatory pressure resolved.
A top-5 Lithuanian-licensed EMI had accumulated a critical card transaction monitoring backlog with an NCA audit imminent. Previous fines had reached €500,000–600,000. Scanlex deployed a dedicated ACAMS-supervised AML team within two weeks. KPI targets exceeded by 30% weekly. Operational control restored ahead of the audit date.
A high-growth EU payment institution had accumulated an extensive ODD/EDD backlog across a high-risk customer base. Scanlex scaled from an initial 2-analyst team to 12 within 30 days, building custom SOPs and training methodology for long-term operational quality. All targets were met one week ahead of the agreed deadline.
A licensed EU EMI outsourced its entire first-line KYC/ODD function — onboarding, ongoing due diligence, transaction monitoring, QA, and internal audit — to Scanlex as a long-term managed service. The engagement replaced an equivalent in-house team at 40–50% lower total cost, with no recruitment overhead and guaranteed regulatory currency as AMLD requirements evolved.
References available upon request for qualified prospects. All case data verified by engagement records.
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If your company uses AI in credit decisions, insurance pricing, or HR screening, you likely have EU AI Act obligations running alongside your AML requirements. Our specialist AI Act advisory team handles classification, conformity assessment, and cross-regulatory integration — so your AI compliance and AML compliance work together, not in silos.