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Compliance by country

EU & EEA Compliance Guide

Align onboarding and ongoing due diligence with EU/EEA regulations, including PSD2, AMLD6, and local FIU reporting. AutoKYC combines multi-provider data coverage, advanced rules, and analyst workflows to help you meet regulatory expectations without sacrificing conversion.

Regulatory framework

  • AMLD6: Expanded predicate offenses and tougher liability for facilitating financial crime.
  • PSD2 & forthcoming PSD3/PSR: Strong customer authentication and enhanced fraud monitoring for payment service providers.
  • EU AML Authority (AMLA): Central supervision beginning 2025 with binding technical standards for high-risk entities.
  • EBA Guidelines: Risk-based approach to remote onboarding and periodic review cadences.

Onboarding requirements

EU regulators expect layered verification, screening, and beneficial owner identification. AutoKYC templates map these requirements to standard workflows.

KYC for individuals
Dual document capture (passport + selfie/liveness) validated by EU-compliant providers. Optional eID orchestration for Estonian and Belgian IDs. Screening against EU consolidated sanctions and national lists.
KYB for legal entities
Registry lookups (BRIS, national companies houses), automatic extraction of directors, UBOs to 25%, and support for expanded thresholds where local transposition requires 10%.
Risk scoring
Built-in rule packs for high-risk sectors (crypto, gambling, crowdfunding) referencing EBA/ESMA lists. Scores feed the AutoKYC escalation engine for dual-analyst review when thresholds exceed policy.

Ongoing due diligence

AMLD6 requires continuous screening and event-driven refreshes. AutoKYC automates these cadences while recording immutable evidence for auditors.

  • Rescreen sanctions and adverse media daily for high-risk customers; weekly for standard risk tiers.
  • Trigger EDD when new adverse media is surfaced or when ownership changes beyond policy thresholds.
  • Schedule periodic KYB refreshes every 12 months (standard) or 6 months (high risk), adjustable per country.
  • Log every analyst vote and escalation outcome with reason codes that map to AMLA reporting templates.

Reporting obligations

AutoKYC produces regulator-ready exports and connectors to national Financial Intelligence Units (FIUs).

  • Suspicious Activity Report (SAR) templates compatible with goAML and national portals (TRACFIN, FIU-Net).
  • Automated PSD2 fraud reporting (EBA Guidelines EBA/GL/2018/05) with incident categorisation and response timers.
  • Audit bundles including workflow history, documents, and consent proof packaged as immutable PDF/A or JSON.

How AutoKYC helps

  • Pre-built workflow templates aligned to AMLD6 and national guidances, adjustable via YAML without redeploys.
  • Dual-provider strategy for sanctions/PEP screening to mitigate downtime and improve hit rates.
  • Evidence locker storing audit trails in the EU, with granular access logs for regulator inspections.
  • Managed Services team staffed with multilingual analysts versed in FIU escalation processes.

Talk to our compliance specialists for jurisdiction-specific guidance: book a session.