Regulation (EU) 2024/1624 (AMLR)
How AML PROOF Works
AML PROOF simplifies fulfilment of obligations under the AMLR — from initial obliged-entity assessment through ongoing monitoring of the business relationship (Art. 20–28 AMLR) to record retention.
Fulfilling obligations under the AMLR — step by step
Obliged entity assessment
Find out whether you are an obliged entity under the AMLR (optional)
Complete the assessment questionnaire to determine whether you are subject to obliged-entity obligations under the AMLR.
Go to assessmentInternal policy system and risk assessment
Have your internal policy system (§ 21) and risk assessment (§ 21a) generated for you
AML PROOF generates a draft internal policy system including a risk assessment tailored precisely to your business — based on your obliged-entity data and your answers. You review the draft chapter by chapter, adjust it to your practice, and approve it. No downloaded template — a document that reflects the reality of your firm.
Client identification and due diligence
Conduct client identification and due diligence (Art. 20–28 AMLR)
Conduct client identification and due diligence including verification of natural or legal persons and their beneficial owners (Art. 20–28 AMLR), politically exposed person status and screening against international sanctions lists (EU and UN sanctions regulations).
Monitoring
Ongoing monitoring of the business relationship (§ 9(2)(d)) and suspicious transaction reporting (§ 18)
Monitor the business relationship on an ongoing basis (§ 9(2)(d)). Generate suspicious transaction report (STR) drafts under § 18, ready for submission by your designated person. Retain all documentation for 10 years after the business relationship or transaction ends (§ 16).
What AML software for obliged entities includes
The complete AML agenda of an obliged entity in one place.
Obliged-entity foundation (free)
Obliged entity profile
Company, activities and responsible persons setup.
Team training with certificates (§ 23)
E-learning and completion records.
Team and roles
Multiple users, permissions and approval by the designated person (§ 22a).
Whistleblowing module
Anonymous internal reporting system (Directive (EU) 2019/1937, Whistleblowing Directive).
Verified client catalogue
Reuse without re-verification.
Checks and documents
Identification of natural and legal persons
Including beneficial owners (§ 7–9).
Screening against 5 sources
CZ, EU, UN sanctions lists, PEP registers and adverse media.
Automatic risk assessment
WAR model per the NRA methodology.
Source of funds and enhanced due diligence (EDD)
With designated-person approval.
Remote client form
Automatic document data extraction.
Transaction monitoring
Ongoing monitoring of movements (§ 9(2)(d)).
Suspicious transaction reporting
STR submission guide (§ 18).
Electronic document signing
Sign and attach to an AML check.
Internal policy generator
Internal policy system tailored to you (§ 21).
10-year archive of all checks
With an audit trail (§ 16).
Tools for fulfilling obliged-entity obligations under the AMLR
Client Identification & CDD
Perform detailed identification and Customer Due Diligence of individuals and legal entities.
- Identity verification of individuals
- Verification of legal entities and UBOs
- Document management and remote identification
Client Screening
Automatically screen clients against international sanctions lists and databases.
- Politically Exposed Persons (PEP) detection
- Sanctions lists screening
- Adverse media monitoring
Evaluation, Decisions & Archiving
Securely manage suspicious activities and keep all records archived.
- Risk assessment and client profiling
- Approval, rejection, or postponement of transactions
- Archiving of all cases for the statutory retention period under the AMLR framework (audit-ready)
Penalties for breaching the AML Act — what you risk
up to CZK 1,000,000
Failure to prepare a written internal policy system (§ 48(2))
up to CZK 10,000,000
Failure to identify or conduct due diligence on a client (§ 44)
up to CZK 5,000,000
Failure to report a suspicious transaction (§ 46)
The National Risk Assessment (January 2026) ranks the real-estate market among the highest-risk sectors — the intensity of inspections by the national supervisory authority is rising.
Detailed overview of AML non-compliance risksWhy AML PROOF for fulfilling obliged-entity obligations?
Documented fulfilment of statutory obligations
Digitize mandatory client identification and due diligence (§ 7–9), record retention (§ 16) and suspicious transaction reporting (§ 18) — all in an auditable form ready for the national supervisory authority.
Ongoing monitoring of the business relationship
Systematically fulfil the obligation to monitor the business relationship and reassess risk on an ongoing basis (Art. 20–28 AMLR).
Auditable records for the designated person (§ 22a)
All documentation on client identification and due diligence (Art. 20–28 AMLR), suspicious transaction reports and data retention is structured and maintained by the designated person (Art. 9 AMLR) in accordance with the AMLR.
Everything the supervisory authority wants to see, in one place
From policies through training to a locked archive with an audit trail. During an inspection you present complete documentation in a few clicks — no digging through binders.
Ready to Get Started?
Join obliged entities already using AML PROOF.
Register your obliged entity
Registration is simple — just a few clicks, and it's free.
Starter plan at no cost. No credit card required.