Insights

Compliance guides for
EU-regulated firms

Practical articles on AML outsourcing, compliance officer obligations, MiCA, the EU AI Act and NCA examination preparation. Written for compliance and legal teams at EMIs, payment institutions and fintechs.

Estonian iGaming Compliance
FIU contact person (compliance officer) for Estonian gambling operators
Every Estonian gambling licence holder must appoint an Estonian-resident FIU contact person. This article explains the legal obligation, the residency requirement, and what the role covers under MLTFPA section 17.
8 min read Read article →
AML Compliance
Is AML/KYC outsourcing permitted by EU regulators? A practical guide
EBA/GL/2021/05 explicitly permits AML and KYC outsourcing across all EU member states. This guide explains the legal basis, the four conditions regulators require, and how arrangements should be structured.
8 min read Read article →
Compliance Officer
Compliance officer outsourcing in the EU: when it works and when it doesn't
Outsourcing the compliance officer function is permitted under EBA/GL/2021/05 but is not right for every firm. This article explains the three situations where it works and when it creates governance risk.
7 min read Read article →
EU AI Act
EU AI Act Annex III: which financial services AI is actually high-risk?
Annex III of the EU AI Act explicitly lists AI systems in financial services that carry full compliance obligations. This guide covers credit scoring, insurance pricing, HR screening and the fraud detection carve-out.
9 min read Read article →
MiCA / Crypto AML
What MiCA requires from CASPs: the AML compliance checklist for EU registration
MiCA Title VI imposes full AML obligations on crypto asset service providers. This checklist covers every requirement a CASP must satisfy before NCA registration is granted.
10 min read Read article →
AML Audit
Pre-NCA examination AML health check: what regulators look for in 2026
NCA examinations of AML programmes follow consistent patterns. This guide covers the ten areas regulators test most rigorously and how to prepare an AML function that holds up to scrutiny.
9 min read Read article →