MONTHLY AML SUPPORT

Running an effective AML framework requires ongoing oversight, timely updates and access to specialist advice when you need it. Our Monthly AML Support package gives firms a dedicated compliance partner who understands your business, your risks and your regulatory obligations — without the cost of hiring in-house.

We support financial services firms, Annex 1 firms and any business supervised for AML under the Money Laundering Regulations. Our approach is pragmatic, proportionate and entirely tailored to your operating model.

What Our Monthly AML Support Includes

1. Remediation & Framework Improvements

Whether findings have come from an audit, supervisory review, banking partner or internal review, we help you plan, implement and evidence all required AML enhancements.
This includes updates to your:

• AML policy suite

• Business-wide risk assessment (BWRA)

• Procedural documentation

• CDD/KYC workflows

• Screening, monitoring and record-keeping processes

We also ensure your documentation stays aligned with evolving regulations, industry standards and partner expectations.

2. Ongoing AML Advice & Expert Support

You can contact us at any time with AML queries.
Common examples include:

• How to handle unusual or high-risk customers

• Whether a case meets the threshold for a SAR

• Interpreting regulatory requirements

• Preparing for engagement with banking partners or supervisors

• Assessing new products, services or business lines

You get direct access to experienced AML specialists — no ticketing systems, no delays.

3. SAR Support & Case Handling Guidance

We provide practical, proportionate guidance on:

• Internal SAR decision-making

• What constitutes suspicion

• When consent requests (DAML) may be necessary

• How to structure internal SAR documentation

• How to manage follow-up enquiries

We can also review SAR drafts to ensure they are complete, accurate and aligned to NCA expectations.

4. MI Packs & Board Reporting

We prepare clear, professional Management Information Packs tailored to your senior management and board.
These typically include:

• Key AML metrics and trends

• High-risk customer activity

• SAR activity and outcomes

• Monitoring results

• Open remediation items and progress tracking

• Emerging risks and required actions

Our MI reports are designed to meet both regulatory expectations and banking partner due diligence standards.

5. Banking Partner & Supervisor Interaction

We help you present your AML framework confidently to:

• Banking partners

• EMI partners

• Acquirers

• Supervisors and auditors

This includes preparing documentation, drafting responses, supporting questionnaires, and helping you demonstrate the effectiveness of your controls.

6. Dedicated Monthly Support Partner

You will have a dedicated AML consultant who knows your business, your risks and your history — ensuring continuity, speed and accuracy in all advice and support provided.

7. Acting as MLRO or Deputy MLRO (Case-by-Case)

In certain circumstances, and subject to suitability assessments, AuthoriPay can act as your outsourced MLRO or Deputy MLRO. This is offered only where appropriate, and always in line with regulatory expectations around competence, independence and senior management oversight.

This option is ideal for firms:

• Without an appointed MLRO

• Seeking temporary MLRO cover

• Needing support during periods of transition or growth

• Looking for an experienced MLRO to oversee a developing framework

We ensure the role is performed with full accountability, professionalism and proportionality.

Who This Service Is Designed For

Our Monthly AML Support is ideal for:

• Fintechs and payment firms scaling rapidly

• Firms undergoing remediation following an AML audit

• Annex 1 firms with new AML expectations from the FCA

• Professional Services Firms updating their AML framework to meet FCA standards

• HMRC-supervised firms needing ongoing advisory support

• Firms with limited in-house AML expertise

• Businesses preparing for audits, partner reviews or fundraising

• Agents of Principal Firms

Whether you need day-to-day AML support or ongoing remediation assistance, we act as your outsourced specialist team.