Are you an obliged entity? Handle your AML duties in minutes.
Everything you need, simply in one place. Stay fully compliant with AML regulations — and confident through every audit.
Check if your business is subject to AML regulations now
Get instant clarity on whether your business is subject to AML regulation and which regulations apply to you (what compliance measures you need to implement).
Assess your AML ObligationsCore Obligations of Obliged Entities under Act No. 253/2008 Coll.
Overview of key requirements and penalties for non-compliance
| Obligation | Section of Act | Penalty for Non-Compliance |
|---|---|---|
| Perform client identification | § 7–8 | up to CZK 10,000,000 (approx. EUR 400K) (§ 44(3)) |
| Perform client due diligence (CDD) | § 9 | up to CZK 10,000,000 (approx. EUR 400K) (§ 44(3)) |
| Continuously monitor business relationship | § 9(1) | up to CZK 10,000,000 (approx. EUR 400K) (§ 44(3)) |
| Refuse transaction if client cannot be identified or verified | § 15(1) | up to CZK 10,000,000 (approx. EUR 400K) (§ 44(1)(c)) |
| Do not proceed with PEP transactions without known source of funds | § 15(2) | up to CZK 10,000,000 (approx. EUR 400K) (§ 44(3)) |
| Retain records for 10 years | § 16 | up to CZK 10,000,000 (approx. EUR 400K) (§ 44(1)(d)) |
| Report suspicious transactions to the FIU | § 18 | up to CZK 5,000,000 (approx. EUR 200K) (§ 46(2)) |
| Prepare the System of Internal Principles (SIP) | § 21(2) | up to CZK 1,000,000 (approx. EUR 40K) (§ 48(7)) |
| Establish an internal reporting system | § 21(6) | up to CZK 10,000,000 (approx. EUR 400K) (§ 48(9)) |
| Prepare a business risk assessment | § 21a(2) | up to CZK 1,000,000 (approx. EUR 40K) (§ 48(7)) |
| Continuously update the risk assessment | § 21a(3) | up to CZK 1,000,000 (approx. EUR 40K) (§ 48(7)) |
| Notify the FIU of the contact person | § 22 | up to CZK 1,000,000 (approx. EUR 40K) (§ 48(7)) |
| Designate an AML Responsible Officer in writing | § 22a | up to CZK 1,000,000 (approx. EUR 40K) (§ 48(7)) |
| Ensure training of employees and persons in similar positions | § 23(1), (2) | up to CZK 5,000,000 (approx. EUR 200K) (§ 48(8)) |
| Maintain training records for 5 years | § 23(4) | up to CZK 5,000,000 (approx. EUR 200K) (§ 48(8)) |
| Maintain confidentiality about suspicious transaction reports and investigations | § 38 | up to CZK 200,000 (approx. EUR 8K); up to CZK 1,000,000 (approx. EUR 40K) if proceeds are prevented from being secured (§ 43(4), (5)) |
| Screen clients against sanctions lists | Act No. 69/2006 Coll. | up to CZK 50,000,000 (approx. EUR 2M) (§ 19(3)(a)) |
Everything you need to fulfill AML obligations
- Identification of individual, legal entity and UBO
- Remote online identification without physical presence
- Simplified (SDD) and Enhanced Due Diligence (EDD)
- Screening against EU, UN and national sanctions lists
- Detection and measures for Politically Exposed Persons (PEPs)
- Alerts on discrepancies in the Register of Beneficial Owners
- Approval, rejection of business relationship and failure to conduct CDD
- Postponement of client's order execution for investigation
- Suspicious Transaction Reports (STR) prepared for the FIU
- Development of Business Risk Assessment
- Implementation of a tailored System of Internal Principles
- Registration of Contact Person and AML Responsible Officer
- Secure storage and archiving of AML data for 10 years
- Limitation of information duty towards data subjects
- Strict confidentiality regarding reporting and investigation
- Interactive training module for the entire team
- Automatic archiving of training records and certificates
- Regular knowledge testing with an audit trail for 5 years
What is AML PROOF?
AML PROOF is a complete AML compliance platform that goes beyond KYC checks. It provides all the essential tools obliged entities need to stay compliant — from obligation assessment and policy generation to AML screening, risk scoring, and audit-ready reporting.
Fulfill AML Obligations in Minutes
Everything ready for a fast and simple process
Client verification against sanctions and watchlists
Automated verification against sanctions lists, politically exposed persons lists, and adverse media
Automate your Business-Wide Risk Assessment (BWRA) with explainable scoring
Transparent risk assessment with clear audit trails
Always Stay Fully Compliant
We continuously update regulatory requirements
Manage the entire process in one place
Client identification, ongoing monitoring of the business relationship, checks, and suspicious transaction reporting
Turn complex AML rules into a simple, automated process
Save time, cut costs, and stay fully compliant worldwide
AML PROOF Platform Overview Video
Trusted by Regulated Industries
Financial Advisors
Securities, asset management, and investment firms
Legal Professionals
Lawyers, solicitors, notaries, and legal advisors
Accountants & Auditors
Accounting firms, auditors, and tax advisors
Real Estate
Estate agents, letting agents, and property dealers
International Compliance Standards
The platform is designed and operated in accordance with applicable law in the AML/CFT area, in particular Act No. 253/2008 Sb. on certain measures against the legalisation of proceeds of crime and the financing of terrorism, the directly applicable EU AML Regulation (EU) 2024/1624, AMLD6, FATF Recommendations, so as to enable obliged entities to fulfil their legal obligations with an appropriate degree of certainty.
Are you interested in the specific legislation AML PROOF operates under?
Explore the Legal FrameworkWorks in 3 Simple Steps
Create the Obliged Entity Profile
Create the obliged entity profile with all required AML documents.
- • System of internal policies
- • Money Laundering Risk Assessment (Section 21a of Act No. 253/2008 Coll.)
- • Client Identification and Due Diligence Procedures (Sections 7–14 of Act No. 253/2008 Coll.)
- • Risk Assessment and Risk Management Approach
- • Suspicious Transaction Reporting and International Sanctions Procedures (Section 18 of Act No. 253/2008 Coll. and Act No. 69/2006 Coll.)
- • Designated Person and Deputy (Section 22a of Act No. 253/2008 Coll.)
- • Training pursuant to § 23
- • Third-Party Reliance and Takeover of Identification Procedures (Section 11 of Act No. 253/2008 Coll.)
All documents automatically and free of charge.
Manage AML Cases
Open, track, and archive client records:
- • Automated verification against politically exposed persons lists and sanctions lists
- • Automated enhanced client identification and due diligence based on risk assessment (Section 9a of Act No. 253/2008 Coll.)
- • Enhanced client identification and due diligence for high risk (Section 13 of Act No. 253/2008 Coll.)
- • Ongoing monitoring of the business relationship (Section 9(1) of Act No. 253/2008 Coll.)
- • Suspicious Transaction Report to the Financial Analytical Office (Section 18 of Act No. 253/2008 Coll.)
- • Complete documentation
- • Automated archiving
Everything organized and audit-ready.
Stay Audit-Ready
Your data is securely protected:
- • Secure storage for 10 years in accordance with Section 16 of Act No. 253/2008 Coll.
- • Instant access during inspections
- • Complete audit trail and traceability (Decree No. 281/2008 Coll.)
- • GDPR-compliant
- • Continuous updating of regulatory requirements
Your documentation is ready for inspection.
Why Clients Prefer Our Solution:
The Biggest AML Fines in 2025
AML fines in the EU are expected to rise sharply from 2026 onward due to AMLA centralization, moving from tens of millions EUR annually toward hundreds of millions EUR, and will start to hit smaller businesses harder—those who have so far relied on being "off the radar".
Protect Yourself with Our Strong AML Solution
Aligned with local and international AML compliance standards.