Payreto: Your Partner for Expert AML Compliance Solutions

2025/11/17

Financial crime is getting smarter, and so are the tools criminals use. This makes staying ahead with your AML compliance a constant challenge—one that’s becoming more critical every day. Regulators are taking notice and watching your business just as closely as you’re watching the criminals. 

This escalating pressure is driven by three key factors that demand a more proactive approach to your AML program:

1. Growing Risks of Money Laundering and Terrorist Financing: The European Banking Authority (EBA) recently highlighted its concern over prevalent or rising risks of money laundering and terrorist financing. A staggering 70% of European regulators view these threats as either high or growing, citing factors like geopolitical instability and the use of digital tools.

2. Evolving Global Regulations: Earlier this year, we talked about regulatory changes in both the European Union and the United States of America, with the EU’s Digital Operational Resilience Act (DORA) mandating stronger cybersecurity frameworks, and the US, where regulators are increasing their scrutiny on fintechs and third-party risk management.

3. The Severe Cost of Non-Compliance: Anti-Money Laundering (AML) fines worth €36 million were issued between March 2024-2025 alone. But the real cost goes beyond financial penalties as a single case of non-compliance can lead to severe reputational damage, loss of trust, and operational delays from regulatory sanctions.

All of these points highlight the growing need for a strong AML compliance program in one’s organization. The question is, how can you build one that truly protects your business? 

This is where we at Payreto come in.

Our Specialized Expertise As Your Business’ Advantage

Combatting financial crime and navigating intricate regulations is no longer a matter of simply checking off boxes. Standard compliance checklists are failing in the face of increasingly sophisticated criminal networks and a constantly shifting regulatory environment. 

To truly protect your business, you’ll need more than a generic solution—you need a specialized partner whose expertise can be your greatest competitive advantage.

No One-Size-Fits-All Approach For Our Clients

AML compliance is never a one-size-fits-all task. Every organization faces unique operational challenges, has a distinct risk appetite, and operates within a specific regulatory environment. 

Because of this, we don’t rely on rigid, generic frameworks. Instead, we build AML programs truly tailored to your specific risk profile, operational structure, and regulatory obligations.

We begin our approach with a deep dive into your organization, assessing your strengths, pain points, and areas for improvement. This allows us to implement an AML compliance service that is seamlessly integrated, effective, and scalable.

Our Commitment to Excellence That Builds Satisfaction

We believe that navigating the complexities of financial crime requires a partner who is both proactive and reliable. That’s why we don’t just provide a service—we become a true extension of your team.

By working together, we deliver expert support rooted in transparency and high-quality execution. Our forward-thinking guidance ensures your business is not only compliant but also prepared to manage risk and build a more secure future.

Ultimately, we empower our clients to manage risk and build a more secure future for your business.

Get to know Payreto’s AML Compliance Monitoring Services

At Payreto, we provide our clients with a comprehensive suite of AML compliance monitoring solutions designed to go beyond standard automated checks. We combine expert human analysis with a proactive, hands-on approach to risk management, giving you the confidence and clarity to manage complex risks and protect your business.

1. AML Transaction Monitoring

When it comes to AML Transaction Monitoring, we don’t just rely on standard alerts. Our hands-on process goes deeper, combining rigorous analysis with a proactive approach to risk management. This ensures we don’t miss a single detail when monitoring.

Our comprehensive process includes:

• Custom Risk Profiling: We establish a customized baseline to flag unusual transactions and behavior, moving beyond standard automated alerts.
• In-Depth Behavioral Analysis: Our experts perform holistic reviews of a customer’s activity and history to confirm or dismiss red flags.
• Expert Reporting & Action: We handle risk mitigation and assist with the necessary regulatory filings, providing a clear path to resolution for confirmed issues.

By combining this level of expertise with our proactive approach, we provide a robust defense that protects your business and ensures regulatory compliance.

2. PEP and Sanctions List Screening

A simple flag on a PEP or sanctions list is just the beginning of a proper screening process. Our specialized experts protect your business with a meticulous process that goes far beyond a basic database check.

We do this in two ways:

• Flexible Integration and Manual Screening: Our team can easily integrate with your existing software to streamline processes. For a more robust check, we also perform manual screening using multiple credible sources to ensure nothing is missed.
• Comprehensive Analysis of Hits: We conduct a comprehensive analysis to fully understand each hit, a term we use for flagged alerts. We tag each result as a true match, a potential match, or a false positive, ensuring any hit is thoroughly investigated before any action is taken.

This detailed analysis provides you with confidence and saves valuable resources by ensuring only genuine risks are escalated.

3. Risk Words Screening

Our Risk Words Screening, commonly known as Adverse Media Screening, process is built on a foundation of rigorous analysis and a proactive approach to risk management, ensuring we go beyond standard checks. This enables us to provide a truly comprehensive assessment of your business’ clients.

We achieve this through:

• Materiality Assessment: We evaluate the true relevance of any negative news by considering its direct impact on your client and business, using factors like location and business activities. The purpose of this assessment is to determine if a reported issue is material, or significant enough, to affect a client’s risk profile from an AML perspective. This allows us to focus our due diligence on risks that are truly relevant to your operations.
• Identification of Key Risks: Our experts analyze adverse media to uncover potential reputational, regulatory, legal, or operational risks, looking for the underlying causes and their full impact.
• Risk-Based Profiling: Our screening is tailored to your established risk appetite and acceptance criteria, allowing us to focus on the most relevant adverse media and provide a clear path to resolution for confirmed issues.

This detailed process ultimately ensures that you have the insights needed to smoothly manage your risk exposure and protect your business.

Securing Your Business with Payreto

In a complex world of evolving threats, your AML program needs more than just a checklist—it needs clarity. We provide the specialized expertise and dedicated support that empowers you to manage risk with confidence. With Payreto as your trusted knowledge process outsourcing provider, you can move beyond compliance, knowing you have the strategic insight needed to remain resilient, secure, and ready for what’s next.

References

FinTech Global. (2025, August 4). EBA: 70% flag high AML risk in FinTech in 2025. https://fintech.global/2025/08/04/eba-70-flag-high-aml-risk-in-fintech-in-2025/

Ortiz-Bolivar, J. (2025, June 30). Gambling, payment firms face heightened AML scrutiny as EU fines top €36M: Report. SigmaPlay. https://sigma.world/news/europe-aml-fines-36m-report/#:~:text=Gambling%20and%20payment%20firms%20across%20Europe%20are%20under%20growing%20scrutiny%20from%20regulators%2C%20with%20more%20than%20%E2%82%AC36%20million%20in%20anti%2Dmoney%20laundering%20(AML)%20fines%20issued%20between%20March%202024%20and%20March%202025.