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Compliance · KYC

Anti-Money Laundering

The body of law, regulation, and procedure designed to prevent the proceeds of crime from being legitimised through the financial system. AML compliance is a core obligation for CBI/RBI programmes.

Also known as:AMLAML

Definition

The body of law, regulation, and procedure designed to prevent the proceeds of crime from being legitimised through the financial system. AML compliance is a core obligation for CBI/RBI programmes.

Anti-Money Laundering (AML) is the international regulatory regime aimed at preventing criminal funds from entering legitimate financial channels. The standards are set by the Financial Action Task Force (FATF), whose 40 Recommendations form the global benchmark. The EU implements them through the AML Directives (currently AMLD-6, with AMLD-7 in adoption).

For investment-migration programmes, AML compliance manifests through: KYC on applicants, source-of-funds verification, ongoing transaction monitoring by licensed agents, suspicious-activity reporting (SARs) to financial-intelligence units, and audit trails preserved for at least five years.

FATF mutual-evaluation reports of Caribbean CBI states have driven significant reforms since 2018 — including the 2024 OECS harmonisation that standardised due-diligence tiers and information-sharing.

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Frequently asked questions

Where can I see this term in practice?

Follow the related programme and guide links on this page to see how the term applies to live programmes.

Who can explain how this applies to me?

An adviser can explain how the term affects your application. Book a consultation or send us a message.

What is investment migration?

Investment migration is the legal process of obtaining citizenship or residency in a foreign country through a qualifying financial contribution — such as a government fund donation, real estate purchase, or business investment. Programmes are offered by sovereign governments and are fully legal, internationally recognised, and increasingly common among UHNW and HNW individuals and families.

What is the difference between residency and citizenship by investment?

Residence by investment gives you the right to live in a country; citizenship by investment makes you a national with a passport and full civic rights.

Residence permits usually need renewing and may carry stay requirements, while citizenship is generally permanent. Many families combine the two to cover different needs.

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