An AML system that helps you easily meet all your obligations
AML PROOF is a Czech cloud AML platform for non-financial obliged entities under § 2. Automate client identification and due diligence (§ 7–9), PEP screening, sanctions checks and FAÚ reporting (§ 18). No complex setup — launch in 10 minutes.
This is not downloadable software — it is an online AML platform in the cloud. Works in your browser, no installation required.
No credit card required. Start immediately.
Which obligations must an AML system cover?
Act No. 253/2008 Coll. imposes specific obligations on obliged entities with specific penalties. A proper digital AML system must cover all of them.
| Obligation | Legal section | Penalty for non-compliance |
|---|---|---|
| Perform client identification | § 7–8 | up to CZK 10,000,000 |
| Perform customer due diligence (PEP, sanctions, beneficial owner) | § 9 | up to CZK 10,000,000 |
| Enhanced due diligence for high-risk clients (EDD) | § 9a | up to CZK 10,000,000 |
| Keep records for 10 years | § 16 | up to CZK 10,000,000 |
| Report suspicious transactions to the FAÚ | § 18 | up to CZK 5,000,000 |
| Prepare internal policies and procedures (SVZ) | § 21 odst. 2 | up to CZK 1,000,000 |
| Prepare a risk assessment | § 21a odst. 2 | up to CZK 1,000,000 |
| Notify the FAÚ of a contact person | § 22 | up to CZK 10,000,000 |
| Designate a responsible person in writing (MLRO) | § 22a | up to CZK 1,000,000 |
| Ensure employee training | § 23 odst. 1, 2 | up to CZK 5,000,000 |
| Screen clients against sanctions lists | Act No. 69/2006 Coll. | up to CZK 50,000,000 |
What to ask when choosing an AML system
- 1
Does the platform cover all obligations under Act No. 253/2008 Coll.?
PEP screening alone is not enough — the AML system must cover identification (§ 7–8), customer due diligence (§ 9), risk assessment (§ 21a), internal policies (§ 21), the responsible person (§ 22a) and FAÚ reporting (§ 18).
- 2
Is the solution adapted to Czech law?
Foreign AML tools do not understand the specifics of the Czech AML Act, FAÚ methodological guidance or the structure of Czech obliged entities.
- 3
How quickly can the system be launched?
Implementation must not take weeks. You need a functional AML system within 60 days of becoming obliged (§ 22a) — otherwise you risk a fine.
- 4
How is document archiving handled?
The law requires 10-year archiving. Check where and how data is stored and what happens when the service ends.
- 5
Does the platform provide an audit trail for a FAÚ inspection?
Every action must be traceable — who did what and when. Without an audit trail, you are not protected during an inspection.
What must an AML system do?
Act No. 253/2008 Coll. imposes specific obligations on obliged entities. A proper cloud AML system must cover the full scope — not just part of it.
KYC & client identification
Digital identification of natural and legal persons (§ 7–8). Identity verification, document collection, beneficial owner checks (§ 9).
PEP screening & sanctions
Automatic screening against PEP databases (§ 8(8)) and EU and UN sanctions lists (§ 9(2)(c), Act No. 69/2006 Coll.).
Client risk assessment
Automated scoring of each client against regulatory criteria (§ 9, § 21a). Clear risk profiles.
AML documentation & policy
Internal AML policy, BWRA, contact person (§ 22) and internal rules (§ 21) — all documentation for a FAÚ audit.
FAÚ suspicious transaction reporting (STR, § 18)
Prepare and submit suspicious transaction reports directly from the platform.
Remote form for clients
Share a link and the client completes the AML form themselves. You receive complete data without an in-person meeting.
Who is an AML system for?
AML obligations apply to a wide range of businesses (obliged entities). Act No. 253/2008 Coll. defines them in § 2 — if you are on the list, you need an AML system.
- Real estate agents and brokers
- Accounting firms and tax advisors
- Attorneys and notaries
- Financial advisors
- Virtual asset service providers
- Leasing and lending companies
- Casinos and betting shops
- Auctioneers and art dealers
- Insurance intermediaries
What AML PROOF covers
Why AML obligations cannot be ignored
Frequently asked questions about cloud AML systems
Do I have to use an AML system as a sole trader?
Act No. 253/2008 Coll. does not distinguish between a sole trader and a large company. If you are an obliged entity (accountant, tax advisor, real estate broker, attorney or notary), you must comply with AML obligations regardless of size. A digital AML system is not required by law — but without it, manual compliance is time-consuming and prone to errors.
What is the difference between an AML system and a one-off AML questionnaire?
A one-off questionnaire covers only the identification of one client. A cloud AML platform covers the full lifecycle — identification, ongoing monitoring, 10-year archiving, risk assessment and FAÚ reporting. During an inspection, the FAÚ reviews the system setup, not individual forms.
Can an AML system be used for multiple companies at once?
It depends on the specific solution. AML PROOF allows one user to be a member of multiple organizations — ideal for accountants and tax advisors who manage AML obligations for several client companies.
What happens if an AML system does not pass a FAÚ inspection?
The FAÚ assesses whether the obliged entity has a functioning system — not just documents. If the platform does not cover all legal obligations or lacks an audit trail, a fine of up to CZK 10,000,000 may apply for insufficient customer due diligence.