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AMLR

AMLR: Your guide to the new EU regulation

Access AMLR insights to prepare your organisation for the upcoming regulation. Built for compliance leaders and AML teams who need clarity on the latest updates.

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EU regulation

Navigating AMLR

The upcoming Anti-Money Laundering Regulation (AMLR) introduces a new level of consistency across the EU, replacing national AML legislation. 

Many organisations are still assessing what AMLR will require in practice and how it will impact existing processes.

We created this hub to support you through that journey.

Here, you’ll find resources to help you understand the regulation, assess your current setup, and prepare your AML programme with confidence ahead of July 2027.

From directive to regulation

What is AMLR?

AMLR is part of the EU’s updated AML framework, replacing national interpretation with directly applicable rules across all member states.

Key focus areas include:

  • Replacing national directives with a single Regulation directly applicable to all EU member states from July 2027.

  • Customer due diligence: Holistic and up-to-date view of the customer via granular and prescriptive requirements​.

  • Politically Exposed Persons (PEP): Harmonised definition of PEP, family members and close associates.

  • Transaction monitoring: Tightened integration between perpetual customer due diligence, business-wide risk assessment, customer risk profile and transaction monitoring​.

  • Crypto-Asset Coverage: Bringing CASPs under the same strict regulations as traditional financial institutions.

Explore AMLR resources

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AMLR preparations

How prepared are AML teams for AMLR in 2026?

We surveyed AML professionals across financial institutions to understand how organisations are preparing for AMLR. Here’s what they told us:

  • Many organisations are still in early assessment stages.
  • Data quality, integration complexity, and fragmented systems are key concerns.
  • Customer due diligence stands out as the area where the most change is expected.
  • Most respondents see AMLR as an opportunity rather than just a compliance burden. 

AMLR Trapets

Support your AMLR readiness with a connected approach

AMLR requires organisations to translate new data requirements into structured processes, consistent logic, and clear documentation. Trapets supports this work at a practical level: 

  • One connected data foundation

    Bring together customer data, screening results, and transaction activity in one platform. Reduce fragmentation and ensure that new datapoints can be applied consistently across the AML lifecycle.  

    Explore Instantwatch platform

  • Structured and adaptable data collection

    Update KYC and due diligence workflows as new requirements emerge, making it easier to introduce additional datapoints without rebuilding processes.  

    Explore KYC and Due Diligence

  • Consistent risk logic and transparency

    Configure and trace risk models, rules, and thresholds to support a clear linkage between data, risk assessments, and decisions.  

    Explore Risk modelling

  • Operational control and audit readiness

    All actions, updates, and outcomes are logged and accessible, allowing your team to respond to supervisory requests with clear and structured evidence.  

    Explore AML solutions

  • Flexibility as requirements evolve

    As AMLR is further specified through RTS and ITS, the platform supports continuous updates to data, models, and workflows without disrupting daily operations.

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AMLR compliance

Security and data integrity for AML compliance

Trapets operates in full alignment with EU regulatory frameworks, including GDPR, DORA, EBA, and ESMA guidelines. All customer data is stored in Swedish data centres that meet rigorous European standards.

ISO 27001 certified since 2018, we uphold strict security protocols and continuous monitoring to ensure round-the-clock availability, reliability, and peace of mind.

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