EU AML Compliance, Across Every Member State
Built for institutions regulated under the EU's anti-money-laundering framework — from the long-standing AML Directives to the new EU AML Regulation, the EU AML Authority (AMLA), and the Transfer of Funds Regulation extended to crypto-assets.
From Patchwork Directives to a Single Rulebook
For decades the EU's AML framework worked through Directives — instruments that each Member State transposed into national law on its own timetable. The result was a patchwork: 27 different AML laws built on the same template but applied differently in practice. The Sixth Anti-Money Laundering Directive (6AMLD), in force since 2021, harmonised parts of this — defining 22 predicate offences uniformly and extending corporate criminal liability — but did not eliminate the divergence.
The new EU AML package, agreed in 2024, fundamentally changes this. The Anti-Money Laundering Regulation (AMLR) is directly applicable across every Member State without national transposition — meaning the rules become genuinely uniform for the first time. Alongside it, the new EU AML Authority (AMLA), based in Frankfurt, will directly supervise selected high-risk cross-border institutions and coordinate national supervisors for the rest.
The phased implementation runs through 2027 for most provisions. Institutions operating in the EU need to prepare now — and One Constellation maps to the new framework in parallel with continuing 6AMLD obligations.
Directives, Regulations, and a New Authority
The EU framework now spans Directives that Member States transpose, Regulations that apply directly, and the new central AMLA authority. One Constellation maps to all components.
Sixth AML Directive (2018/1673)
Harmonises 22 predicate offences for money laundering across Member States, extends corporate criminal liability, and raises maximum prison sentences to four years.
EU AML Regulation (2024)
The single rulebook — directly applicable, no national transposition. Replaces the divergent national CDD, EDD, and reporting rules with one harmonised text across the EU.
EU AML Authority Regulation
Establishes a central AML supervisor based in Frankfurt — direct supervision of selected high-risk cross-border institutions, plus coordination of national FIUs and supervisors.
Transfer of Funds Regulation (2023/1113)
The EU's Travel Rule — applies to fiat wires and is extended to crypto-asset transfers. Originator and beneficiary information must travel with every transfer, regardless of value, between CASPs.
Markets in Crypto-Assets Regulation
Authorisation and conduct framework for Crypto-Asset Service Providers across the EU. Combined with the TFR, it creates a comprehensive AML regime for the crypto sector.
Fifth AML Directive (2018/843)
The currently in-force Directive — extending AML obligations to crypto-asset exchange providers and wallet custodians, and tightening transparency rules on beneficial ownership registers.
What the EU Framework Requires — and How We Address It
From the AMLR's harmonised CDD rules to AMLA's direct supervisory powers, here are the seven obligations that bite hardest at the operational level.
Harmonised CDD (AMLR)
Identify and verify customers using a single set of EU-wide rules. Identify beneficial owners holding more than 25% — with a stricter 15% threshold for higher-risk sectors.
EDD for High-Risk Cases
Apply enhanced due diligence to PEPs, customers from high-risk third countries, and complex cross-border arrangements — including senior-management approval and source of wealth.
Cash-Payment Limits
The AMLR introduces an EU-wide €10,000 limit on large cash payments, with stricter limits possible at Member State level. Identify any party to such transactions.
Ongoing Transaction Monitoring
Monitor transactions throughout the relationship for inconsistencies with the customer's profile. Detect patterns matching the 22 6AMLD predicate offences.
EU Sanctions & CFSP Screening
Screen against EU consolidated sanctions lists administered under the Common Foreign and Security Policy, plus UN, OFAC, and Member State lists.
STR Filing to National FIU
File suspicious-transaction reports to the national FIU promptly. Support multi-FIU filing for institutions operating across Member States.
TFR Travel Rule (Including Crypto)
Pass originator and beneficiary information with every funds transfer. For crypto-asset transfers between CASPs, the same rule applies regardless of transaction value.
EU Penalties Scale with Turnover
EU AML enforcement combines significant administrative penalties, criminal liability under 6AMLD, and direct AMLA supervisory powers for cross-border institutions.
What EU-Aligned Compliance Looks Like
Common Questions
EU Compliance, Ready for the AMLR Era
See how the platform handles harmonised EU CDD, multi-FIU SAR filing, EU sanctions screening, and TFR-compliant Travel Rule for both fiat and crypto.