OUTSOURCED AML OFFICER & MLRO SERVICES
IN THE CZECH REPUBLIC
Qualified AML compliance support for companies operating in the Czech Republic and across the EU
AMS provides outsourced AML Officer and MLRO services on a contractual basis, helping your company obtain qualified compliance coverage without the time, cost, and complexity of hiring an in-house specialist.
We support startups, fintech companies, crypto businesses, EMIs, payment institutions, and SMEs that need reliable AML oversight from the start — whether for licensing, ongoing operations, banking relationships, or regulatory readiness.
WHAT IS AN AML OFFICER AND MLRO — AND WHY YOUR BUSINESS NEEDS ONE
Under Czech and EU anti-money laundering rules, many obliged entities must appoint a designated person responsible for managing AML compliance inside the company. For regulated businesses, this role is often supported by a formally appointed Money Laundering Reporting Officer — MLRO — who may need to be notified to or registered with the competent supervisory authority.
In practical terms, these roles ensure that AML obligations are not treated as a paper exercise, but are embedded into daily operations, internal controls, reporting processes, and communication with regulators.
AML Officer
AML Officer
Key responsibilities include:
- Creating, updating, and applying internal AML policies, procedures, and control rules
- Assessing money laundering and terrorist financing risks linked to the company’s business model, clients, products, and jurisdictions
- Monitoring compliance with Czech Act No. 253/2008 Sb., relevant EU AML rules, and MiCA-related requirements where applicable
- Checking whether internal AML controls work effectively in practice and identifying areas for improvement
- Coordinating mandatory AML training for employees, management, and other relevant staff
- Supporting the setup and ongoing operation of AML systems, including KYC workflows, transaction monitoring, internal escalation, and case handling
MLRO — Money Laundering Reporting Officer
MLRO — Money Laundering Reporting Officer
Key responsibilities include:
- Receiving, assessing, and documenting internal reports of potentially suspicious activity
- Deciding whether a matter must be reported externally and preparing Suspicious Activity Reports — SARs — for submission to the Financial Analytical Office — FAÚ — or other relevant authorities where required
- Acting as the main contact point for communication with FAÚ, ČNB, and other supervisory or enforcement bodies
- Keeping proper records of suspicious activity reviews, reporting decisions, filed disclosures, and follow-up actions
- Representing the company’s AML function during inspections, regulatory reviews, and official requests for information
WHY WORK WITH AMS FOR AML OFFICER AND MLRO SERVICES
Certified expertise and regulatory experience
Our team has practical experience supporting CASP, EMI, fintech, and other regulated clients through ČNB and FAÚ expectations. We understand what supervisors look for in AML governance, documentation, reporting, and day-to-day compliance controls.
Immediate compliance coverage
AMS can provide AML Officer and MLRO support without recruitment delays, onboarding gaps, or internal capacity issues. Your business receives qualified AML oversight from the beginning of the engagement.
Direct communication with regulators
We can support MLRO registration, SAR filing, regulatory correspondence, and communication with FAÚ, ČNB, and other competent authorities — reducing the operational burden on your internal team.
Cost efficiency and scalability
Instead of recruitment costs, salary, benefits, and long-term employment commitments, outsourcing gives your company a predictable monthly cost. The service can be scaled as your business grows, your risk profile changes, or your regulatory obligations expand.
AMS AML OFFICER & MLRO — SERVICES
Outsourced AML Officer / MLRO as a Service
A certified AML Officer or MLRO is assigned to your company on a contractual basis, providing ongoing compliance oversight, regulatory support, and operational continuity without the need for immediate in-house hiring.
Includes:
- Appointment of a certified AML Officer and/or MLRO for your company
- MLRO registration with FAÚ, ČNB, or other authorities where required
- Development, review, and maintenance of AML policies and internal procedures
- Ongoing AML risk assessment, transaction monitoring oversight, and internal compliance checks
- SAR filing and management of regulatory communication
- Staff AML training and awareness programmes
- Regular compliance reporting to your management team
In-House Specialist Recruitment and Onboarding
For companies that prefer to build an internal AML function, AMS supports the recruitment and onboarding of an in-house AML Officer or MLRO while helping maintain continuity of compliance coverage during the transition.
Includes:
- Search and screening of qualified AML Officer and MLRO candidates
- Assessment of candidate qualifications against applicable regulatory expectations
- Support with onboarding, handover, and knowledge transfer
- Continuity of AML compliance coverage until the internal specialist is fully operational
OTHER AML COMPLIANCE SERVICES
AML Officer and MLRO outsourcing is one element of a broader AML compliance framework. AMS provides a full range of AML services for companies operating in the Czech Republic and across the EU.
AML Advisory & Compliance Support
Expert AML consulting, including applicability assessments, regulatory interpretation, compliance gap analysis, and written opinions on specific AML matters.
AML Policy Development & Implementation
End-to-end preparation of a compliant, risk-based AML policy tailored to your business model and suitable for regulatory submission.
Regulatory Reporting and SAR Filing
Full support with suspicious activity reporting — from identifying reportable transactions to preparing SAR filings with FAÚ and managing follow-up communication.
AML Automation and Software
Advisory support for AML technology selection and implementation, helping businesses automate KYC, transaction monitoring, case management, and reporting processes.
Independent AML Audit & Compliance Check
Independent review of your AML framework against Czech and EU regulatory requirements, including gap identification, audit readiness assessment, and preparation for inspections by ČNB, FAÚ, or other supervisory authorities.
AML Training & Certification
Mandatory AML training programmes for compliance officers, management, and staff, tailored to your sector, risk profile, and obligations under Czech Act No. 253/2008 Sb. and EU AML rules.
AML COMPLIANCE AS A BUSINESS ADVANTAGE
Having a qualified AML Officer and MLRO is not only about meeting a legal requirement. For companies in crypto, fintech, payment services, and other regulated sectors, a credible AML function can directly support business growth.
Banks and EMIs are more likely to onboard companies that can demonstrate a structured AML framework and a responsible compliance function
MiCA, CASP, EMI, and payment-related licensing processes require credible AML governance from the outset
Investors, partners, and institutional counterparties increasingly review AML maturity as part of due diligence
A well-structured compliance function strengthens your position in the EU market and reduces friction with regulators, banks, and business partners
READY TO APPOINT A CERTIFIED AML OFFICER OR MLRO?
AMS provides outsourced AML Officer and MLRO services for regulated businesses across the EU — with qualified coverage, regulatory communication support, and a predictable monthly fee.
Share your business model and compliance situation. We will assess your requirements and outline the next steps.
FAQ
Who needs an AML Officer and MLRO in the Czech Republic?
Any business that qualifies as an obliged entity under Czech Act No. 253/2008 Sb. must appoint a responsible person for AML compliance.
This includes Crypto Asset Service Providers — CASPs, Electronic Money Institutions — EMIs, payment service providers, fintech companies, investment firms, and other regulated or high-risk businesses.
For entities applying for a licence or registration with ČNB, FAÚ, or another competent authority, the appointment and, where required, registration of an MLRO is often a mandatory part of the regulatory process.
Can I outsource both the AML Officer and MLRO roles?
Yes. AMS can cover both roles on a contractual basis, either as a combined function or as separate appointments, depending on your business model, regulatory requirements, and internal governance structure.
We support the registration process, ongoing duties, SAR filing, internal reporting, and communication with the relevant authorities.
What is the advantage of outsourcing instead of hiring internally?
Outsourcing gives your company immediate access to qualified AML expertise without recruitment delays, employment costs, or dependency on a single internal specialist.
It is especially useful for startups, SMEs, fintech companies, and crypto businesses that need credible AML oversight from day one but are not yet ready to justify a full-time in-house hire.
As your business grows, AMS can also support the transition to an internal AML function.
How quickly can AMS start?
In most cases, AMS can assign a qualified AML Officer or MLRO and begin coverage within a few business days after engagement.
Initial onboarding, documentation review, and registration with FAÚ, ČNB, or another relevant authority can be handled as part of the setup process.
Will AMS communicate directly with FAÚ and ČNB on our behalf?
Yes. Where AMS acts as your registered MLRO or appointed AML compliance contact, we can manage communication with FAÚ, ČNB, and other relevant supervisory authorities.
This includes SAR filing, responses to regulatory inquiries, support during inspections, and follow-up communication. Your internal team remains informed, but does not need to manage these interactions directly.