Outsourced AML Officer & MLRO Services

The cost depends on the license, scope, transaction and customer volumes, reporting obligations, seniority required and whether the role includes MLRO responsibility. AMS works on a fixed monthly fee agreed before appointment, so the scope and cost are clear before the role becomes operational.

In some jurisdictions and license types, yes; in others, the role may need to be internal or meet specific residency, seniority, independence or approval conditions. We check the applicable rules before proposing an outsourced MLRO structure. Our appointed specialists are formally employed by your company and work as part of your team, with the access, authority and reporting lines required to perform the role effectively.

AMS is based in the Czech Republic and acts as an appointed AML Officer and MLRO for clients across the EU, as well as in the UAE, Switzerland, Singapore, Canada, Panama, El Salvador and other jurisdictions. AML rules differ by country, so we confirm the local appointment and registration requirements — including EU-level AMLA supervision where it applies — as part of scoping.

Obliged entities under national AML laws. In the EU this follows the AML package with its incoming AMLA supervision; the UAE and other financial centers have their own equivalents. Typically this means payment and e-money institutions (PI/EMI), crypto companies — CASPs under MiCA in the EU, VASPs in Switzerland, the UAE, Singapore and other jurisdictions — plus fintech and investment firms. In many jurisdictions accounting, legal and real-estate firms are covered too. We confirm your exact obligations during scoping.

Onboarding can start once we have the license details, organization chart and core AML documents. Where no prior approval is required and the scope is ready, the role can become operational in days. The operational start date depends on document readiness, the agreed mandate, candidate fit and whether the competent authority requires notification, approval or an interview. We confirm those dependencies during scoping.

Sometimes. Whether one person can hold both responsibilities depends on the license, governance model, workload, conflicts and local rules. Where a combined appointment is suitable, we document both sets of responsibilities and make escalation and reporting lines explicit.

The AML Officer usually focuses on the broader control framework and daily implementation. The Money Laundering Reporting Officer is typically the senior escalation point for suspected money laundering and related reporting decisions. The exact split depends on the jurisdiction and business model; for a detailed breakdown, see our guide to what an MLRO actually does.

Yes. A deputy MLRO can provide continuity for absence, workload peaks and escalation support where the governance model allows it. We define the deputy’s authority, access and handover process as part of the mandate.

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.