AML Intelligence

AML Investigation Consultancy

FCIB is an AML investigation consultancy serving banks, FinTechs, payment institutions, and regulators worldwide. We deliver independent AML audits, enhanced due diligence (EDD) investigations, sanctions screening reviews, and remediation programmes that hold up to regulator scrutiny in the US, UK, EU, and APAC.

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Anti money laundering investigation services

FCIB AML engagements include independent AML programme audits benchmarked against FATF guidance and local regulator expectations; transaction monitoring tuning and back-testing; KYC and KYB remediation projects following supervisory findings; enhanced due diligence on high-risk counterparties; sanctions and adverse-media screening reviews; and SAR/STR quality assurance.

We also support institutions during regulator-driven look-back exercises, where historical activity must be re-reviewed and any missed suspicious activity escalated. Our investigators have run look-backs at scale and understand the operational discipline required to deliver under regulator deadlines.

AML compliance intelligence for high-risk decisions

For complex onboarding decisions, FCIB delivers AML compliance intelligence dossiers on individuals and entities. Each report combines corporate-structure mapping, ultimate beneficial owner verification, adverse-media analysis, sanctions and PEP exposure, and litigation history — formatted to support a defensible risk decision rather than a tick-box file.

Where AML escalation reveals criminal conduct, we transition seamlessly into investigative mode under our financial crime investigation capability, providing continuity from compliance trigger to court-ready evidence.

AML red flag investigation across regulated sectors

FCIB advises retail and correspondent banks, payment service providers, e-money institutions, FinTech challengers, digital-asset platforms requiring traditional financial controls, money service businesses, gaming operators, and regulated professional service firms. We tailor methodology to sector-specific risk typologies rather than applying a generic AML template.

Why independence matters

Regulators increasingly expect AML programmes to be tested by independent third parties with no commercial conflict. FCIB has no audit, consulting, or technology product lines that create cross-sell pressure on our findings. Our reports describe the programme as we find it, with prioritised remediation recommendations and the supporting evidence to defend each finding under regulator challenge.

FCIB AML capabilities at a glance

Frequently asked questions

Are FCIB AML audits accepted by regulators?

Yes. Our methodology aligns with FATF guidance and major regulator expectations including FinCEN, FCA, BaFin, MAS, and FINTRAC. Our reports are written to be relied on by regulators reviewing the institution's AML posture.

Can FCIB execute a regulator-mandated look-back?

Yes. We have run look-backs covering hundreds of thousands of historical transactions under tight regulator timelines, with clear escalation pathways for any suspicious activity surfaced during the review.

Do you advise digital-asset platforms?

Yes. FCIB supports digital-asset platforms with AML and sanctions controls built to the same standard expected of traditional regulated financial institutions, including on-chain transaction monitoring and counterparty risk assessments.

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