Independent AML Audit & Compliance Check
IN THE CZECH REPUBLIC
Expert review of your AML framework for businesses operating in the Czech Republic and across the EU
AMS conducts independent AML audits and compliance checks for businesses operating under Czech and EU anti-money laundering obligations.
We assess your AML framework against current regulatory requirements, identify gaps and weaknesses, and deliver a structured report with clear recommendations. This helps you understand exactly where your compliance framework stands before a regulator, bank, investor, or counterparty asks the same questions.
When Do You Need an Independent AML Audit?
An independent AML audit is not only a best practice — for many regulated entities it is a statutory obligation.
It is particularly critical at the following moments:
Before a licensing application
Before a licensing application
ČNB, FAÚ, and other EU regulators assess the quality of your AML framework as part of the licensing process. Gaps identified during a pre-licensing audit can be addressed before submission, significantly improving approval prospects.
Before a Regulatory Inspection
Before a Regulatory Inspection
If your business is subject to a scheduled or unannounced inspection by FAÚ, ČNB, or another supervisory authority, an independent audit identifies vulnerabilities in advance and prepares your documentation.
After significant business changes
After significant business changes
A change in business model, client base, jurisdictions of operation, or ownership structure can render an existing AML framework non-compliant. An audit ensures your controls remain aligned with your current operations.
As Part of Ongoing Compliance
As Part of Ongoing Compliance
Many regulated entities conduct periodic independent AML reviews to identify emerging gaps, verify that internal controls are functioning as intended, and demonstrate compliance maturity to regulators and counterparties.
Why Work with AMS for an Independent AML Audit?
Independence and Objectivity
Our audit is conducted independently of your internal compliance team — providing an objective assessment that carries credibility with regulators, investors and counterparties.
Deep Knowledge of Czech and EU AML Requirements
We assess your framework against Czech Act No. 253/2008 Sb., AMLD5/6, MiCA, FATF guidance, and ČNB and FAÚ expectations — not against generic best practices.
Experience with Regulated and High-Risk Sectors
We regularly audit CASPs, EMIs, fintech companies, and payment institutions — sectors where AML requirements are the most demanding and regulatory scrutiny is highest.
Actionable Findings
We do not deliver a list of findings and leave. Every gap identified in our audit comes with a concrete recommendation — prioritised by regulatory risk and practical impact.
AMS Independent AML Audit Service
Independent AML Audit & Compliance Check
AMS provides a structured, independent review of your AML framework and delivers a detailed compliance report with identified gaps, risk classification, and prioritised recommendations.
The service includes:
- Review of AML policies and internal procedures against current Czech and EU regulatory requirements.
- Assessment of KYC, CDD, EDD, and risk scoring processes, including onboarding controls and customer risk classification.
- Evaluation of transaction monitoring and SAR/STR reporting procedures, including escalation logic and documentation.
- Review of staff training, recordkeeping, and MLRO function to assess operational AML readiness.
- Identification of compliance gaps and preparation of a structured written report with risk-based findings and prioritised recommendations.
How It Works
Document Collection and Scoping
We define the scope of the audit based on your business model and regulatory obligations, and collect the relevant documentation — AML policy, procedures, KYC records, training logs, SAR files, and internal audit trails.
Independent Review
Our AML specialists conduct a structured review of your framework against applicable Czech and EU requirements — assessing each component for completeness, accuracy, and regulatory alignment.
Report Delivery
We deliver a written compliance report setting out identified gaps, their risk classification, and concrete recommendations — prioritised by regulatory impact. The report is structured for use in regulatory submissions, licensing applications, or internal governance.
OTHER AML COMPLIANCE SERVICES
An independent AML audit is one part of a complete compliance offering. AMS provides the full range of AML services for businesses operating in the Czech Republic and across the EU.
AML Advisory & Compliance Support
Expert AML consulting — from applicability assessment and regulatory interpretation to written opinions on specific compliance questions.
AML Policy Development & Implementation
End-to-end development of a compliant, risk-based AML policy tailored to your business model and ready for regulatory submission.
Outsourced AML Officer and MLRO
Certified AML Officer and MLRO services on a contractual basis, providing immediate compliance coverage without the cost of in-house hiring.
Regulatory Reporting and SAR Filing
End-to-end support for suspicious activity reporting — from case assessment and report preparation to secure submission to FAÚ or other EU authorities.
AML Automation and Software
Advisory on AML technology selection and configuration to help businesses automate KYC, transaction monitoring, screening, and reporting processes efficiently.
AML Training & Certification
Mandatory AML training programs for compliance officers and staff, tailored to your sector, risk profile, and obligations under Czech and EU AML regulations.
Ready to Assess Your AML Compliance?
AMS conducts independent AML audits for regulated businesses across the EU — with objective findings, clear recommendations, and reports structured for regulatory use.
Share your business model and compliance situation with us. We will scope the audit, identify the relevant requirements, and outline the next steps.
FAQ
What is the difference between an internal AML audit and an independent AML audit?
An internal AML audit is conducted by your own compliance team or MLRO — it is useful for ongoing monitoring but lacks objectivity. An independent AML audit is conducted by an external specialist with no involvement in your day-to-day compliance operations. The independence is what gives the findings credibility with regulators, investors, and counterparties — and why many regulated entities are required to conduct periodic independent reviews.
Is an independent AML audit legally required?
Under Czech Act No. 253/2008 Sb. and EU AML directives, obliged entities are required to regularly assess the effectiveness of their AML controls. For many regulated entities — particularly those applying for licenses with ČNB or FAÚ — an independent audit is a practical requirement for demonstrating compliance maturity. AMS assesses your specific obligations during the scoping stage.
What do I receive at the end of the audit?
You receive a structured written compliance report setting out all identified gaps, their risk classification — critical, significant, or minor — and concrete recommendations prioritised by regulatory impact. The report is formatted for use in regulatory submissions, licensing applications, or internal governance and board reporting.
How long does an independent AML audit take?
The timeline depends on the size and complexity of your business and the scope of the audit. For most businesses, the full process — from document collection to report delivery — takes two to three weeks. More complex organisations or multi-jurisdictional structures may require additional time. We provide a realistic timeline after the initial scoping discussion.
Can you help remediate the gaps identified in the audit?
Yes. If the audit identifies gaps in your AML policy, procedures, or controls, AMS can support remediation directly — through AML policy development, MLRO outsourcing, staff training, or advisory support. This ensures the findings are addressed efficiently and that your framework is fully compliant before your next regulatory interaction.