Annual AML/CFT Training for Banks, Fintechs and Financial Institutions

Support regulatory readiness. Strengthen your AML/CFT framework. Equip your team with practical, high-quality training for today’s financial crime risks.

Why AML/CFT Training Matters in 2026

In changing regulatory environment, “check-the-box” training is no longer sufficient. Financial institutions are expected to demonstrate a risk-based, practical, and well-documented approach to AML/CFT awareness and staff training.

MTF Institute’s Annual AML/CFT Training is an expert-led programme designed for MLROs, Compliance Officers, Risk Professionals, and senior decision-makers in banks, fintechs, and other regulated financial institutions.

Executive Summary: The Programme at a Glance

Target Audience:

Banks, fintechs, payment institutions, e-money institutions, and other regulated financial firms. A tailored version for crypto-asset businesses can be provided separately.

Regulatory Alignment:

Designed with reference to key EU and international AML/CFT standards and guidance, including relevant EBA materials, FATF recommendations, and selected sector-specific requirements where applicable.

Delivery:

Digital modules, practical examples, knowledge checks, and optional live expert sessions.

Certification:

Individual certificates of completion issued upon successful completion of the training.

Curriculum

Below is an overview of the 8 core modules. Each module is designed to provide practical, role-relevant insights that participants can apply within their institution’s AML/CFT and risk management framework.

Module 1: Key EU and International AML/CFT Developments

·         EU AML Package and supervisory developments: understanding the direction of travel in the European AML/CFT framework.

·         AMLA and the evolving EU supervisory model: what firms should monitor and prepare for.

·         FATF Recommendations: how international standards shape institutional expectations.

·         Lessons from recent enforcement actions: selected supervisory themes, control failures, and practical takeaways.

Module 2: The Risk-Based Approach – Strategy and Execution

·         Institutional Risk Assessment (IRA): mapping vulnerabilities across customers, products, jurisdictions, and delivery channels.

·         Risk Appetite and control calibration: defining appropriate boundaries in growth-focused environments.

·         Dynamic Risk Assessment: strengthening risk evaluation approaches beyond static onboarding models.

·         Mitigation Strategies: implementing controls that are effective, proportionate, and operationally sustainable.

Module 3: Customer Due Diligence (CDD) and Beneficial Ownership Transparency

·         Standard, Simplified, and Enhanced Due Diligence: when and how to apply each level.

·         Identifying Ultimate Beneficial Owners (UBOs): practical challenges in complex ownership structures, offshore elements, and trusts.

·         Beneficial Ownership Transparency: understanding available data sources, documentation gaps, and verification issues across jurisdictions.

·         Ongoing Monitoring: moving from onboarding-only KYC to a more continuous and risk-based approach.

Module 4: Transaction Monitoring, Red Flags and Typologies

·         Technology in Transaction Monitoring: using rules-based and advanced monitoring approaches to improve alert quality and investigation efficiency.

·         Emerging typologies: identifying structuring, smurfing, cuckoo smurfing, and other relevant transaction patterns.

·         Trade-Based Money Laundering (TBML): recognising indicators linked to trade flows, invoices, and shipping documentation.

·         Early Warning Indicators: defining meaningful escalation triggers for unusual account and transaction behaviour.

Module 5: Sanctions, PEPs and Geopolitical Risk

·         Sanctions Screening Frameworks: managing exposure to EU, UN, UK, and US sanctions regimes through effective controls and escalation processes.

·         Sanctions Evasion Indicators: identifying shell structures, intermediaries, and other higher-risk circumvention patterns.

·         Politically Exposed Persons (PEPs): assessing domestic and foreign PEP exposure, including family members and close associates.

·         Asset Freezing and Escalation Protocols: key operational and governance considerations when a sanctions concern is identified.

Module 6: Cross-Border Exposure and the US Nexus

·         Cross-border AML/CFT risk in international business models.

·         Correspondent Banking vulnerabilities: understanding nesting, downstreaming, and related control challenges.

·         Transmission of payer and beneficiary information in cross-border transfers: operational expectations and control considerations.

·         Layering risks in foreign exchange activity and multi-currency environments.

Module 7: Digital Assets and Emerging Risk Areas

·         Crypto-asset risk and regulatory developments: key AML/CFT considerations for institutions exposed to digital assets.

·         Source of Funds and Source of Wealth considerations in crypto-related cases.

·         Stablecoins, new payment models, and digital asset exposure: selected financial crime risk themes.

·         Privacy-enhancing tools and anonymity risks: understanding relevant indicators and escalation points.

Module 8: Internal Governance, Reporting and Culture

·         The role of the MLRO and compliance function: reporting lines, independence, and governance expectations.

·         Suspicious Activity Reporting (SARs/STRs): drafting clear, well-supported internal escalations and external reports in line with applicable expectations.

·         Tipping-Off: legal and operational safeguards in internal communication and investigations.

·         Whistleblowing and risk culture: supporting speak-up mechanisms and stronger first-line ownership.

Pricing and Enrolment

Pricing starts from €2,500 per legal entity, depending on the level of expert involvement, live delivery, and customisation required.

Tax Information:

Price is exclusive of VAT. EU B2B entities with a valid VAT ID may be eligible for the reverse charge mechanism, subject to applicable rules.

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Program Author and Lead Expert: Barbara Gutsch

Barbara Gutsch is a risk and compliance professional with 15+ years of experience across Swiss private banking and major international financial institutions, including Credit Suisse, Raiffeisen, and Société Générale.

Her background spans both front-office and first-line business risk management roles, with a strong focus on integrating regulatory expectations into practical, sustainable business processes.

Her core areas of expertise include complex CDD and EDD reviews, cross-border risk structures, AML/KYC governance frameworks, and selected sanctions and FATCA/CRS-related matters.

Alongside her banking career, she has developed and delivered compliance-focused training to finance professionals and institutions worldwide, with more than 30,000 learners enrolled through global educational platforms, including Udemy Business.

Her approach combines regulatory discipline, practical clarity, and business awareness — helping institutions strengthen risk culture and maintain audit-ready standards.

WHY CHOOSE MTF INSTITUTE?

MTF is a global educational and research institute with headquarters in Lisbon, Portugal, focused on hybrid business and professional education in Business & Administration, Science & Technology, and Banking & Finance.

The MTF R&D center is focused on cutting-edge research in Artificial Intelligence, Machine Learning, Data Science, Big Data, WEB3, Blockchain, Metaverses, Digital Transformation, and Fintech.

·        Globally Presented: Trusted by over 1 mln. students across 216+ countries and territories.

·        Industry Aligned: Official partner of IBM, Intel, and Microsoft.

·        Reliable European Entity: Registered in Portugal (EU) with a multi-year operational history and compliance, ensuring smooth, transparent B2B transactions for your procurement and finance teams.

·        Comprehensive Support: From seamless corporate invoicing and dedicated onboarding to providing verification links for your Master Certificates, our corporate support team operates as an extension of your business.

Academical Level: Professional courses and certificates are taught under the terms of paragraph 3 of article 3 of Decree-Law No. 474/2010, published on July 8th by the Portuguese Ministry of Labour and Social Solidarity. Certificates are provided at a professional level and do not confer academic credits.

Please write us to This email address is being protected from spambots. You need JavaScript enabled to view it., in case of any questions.