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AML Team Outsourcing

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AML Team Outsourcing: KYC & Transaction Monitoring

We provide EU-based outsourced KYC and transaction monitoring teams (from 1 to 250 persons) that function as a direct extension of a compliance department. Our team leads are CAMS-certified with 5+ years of AML/CFT experience, guiding specialists trained in case documentation, sanctions screening, and escalation procedures.

The result is a scalable and cost-efficient compliance operation that is trusted by banks, EMIs, PIs, and CASPs. Onboarding, sanctions screening, and transaction monitoring strain internal resources during growth, volume spikes, or regulatory inspections, making in-house staffing costly and AML outsourcing the practical alternative.

Every case file, log, and escalation is handled under strict internal controls and GDPR-compliant standards. Outsourcing removes staffing risks while delivering faster case resolution, lower costs, stronger audit readiness, and an efficient compliance function with measurable outcomes.

AML Team (KYC/KYT) Outsourcing Solutions

Our EU-based teams deliver outsourced KYC and transaction monitoring functions with full compliance and no HR burden.

Book a meeting with our team today!

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Approach for AML Team Outsourcing in Practice

How it works: Control, Evidence, Scale

Outsourcing AML teams works when responsibilities are clear and controlled. Our KYC and transaction monitoring teams operate within the clients policies and systems, with role-based access and documented controls. We start by defining scope and SLAs, aligning playbooks, and agreeing escalation paths and documentation standards.

A short pilot calibrates quality, throughput, thresholds and KPIs before the operating model is locked. Once live, capacity scales with volumes while maintaining consistent decisioning, recorded rationale, and predictable turnaround. All casework includes case files and escalation records, with GDPR-aligned processing, NDAs for all personnel, and controlled environments with no local data retention.

1
Scope & SLA

Define tasks, volumes, escalation paths, review tiers, and reporting cadence.

2
Access & Controls

Role-based access in your systems, GDPR safeguards confirmed, agreed document formats.

3
Playbooks

KYC/EDD checklists, alert-triage rules, decision rationale, and escalation criteria aligned.

4
Pilot & Calibrate

Pilot batch, validate quality, tune thresholds and KPIs, then finalise the SLA.

5
Operate & Report

Go-live, deliver cases and logs, with weekly metrics and a monthly management summary.

SLAs & KPIs

Turnaround Time and Efficiency
KYC: measures onboarding decision speed at median (P50) and upper percentile (P90). Monitoring: tracks resolution time of transaction alerts to prevent delays and backlog buildup.
Quality Assurance Standards
KYC: monitors second-line rework and document resubmission rates for accuracy. Monitoring: evaluates false-positive reduction and alert-to-case conversion quality for consistency.
Volume Management and Control
KYC: tracks analyst throughput and sets backlog thresholds to manage workload. Monitoring: measures alerts cleared per analyst and ensures volumes remain within agreed limits.
Escalation Procedures and Handling
KYC: records the time taken to escalate EDD and high-risk cases to compliance. Monitoring: measures escalation speed to the MLRO to ensure timely action on red flags.
Regulatory Compliance and Oversight
KYC: checks case file completeness and documentation against regulatory standards. Monitoring: assesses SAR/STR timeliness and rationale quality to align with AML obligations.
Reporting Frequency and Cadence
Weekly dashboards provide operational KPIs and escalation statistics. Monthly management summaries highlight trends, risks, and performance for strategic oversight.

Deliverables We Provide

We provide case files and escalation records, weekly operational metrics and a monthly management summary (KPIs, trends, backlog), plus a change log for playbooks and reviewer guidance. We maintain processing records and access controls aligned with GDPR and provide a handover package if tasks are internalized.

Security, Access & Data Protection

We operate on a least-privilege basis with role-based permissions and activity logging. Data can be processed and stored in the EU where required. All staff are under NDAs with conflict checks at onboarding. Work is performed in controlled environments (your systems or VDI); no local data retention. Incidents follow a documented notification and containment process.

Onboarding Timeline (~ 2 weeks)

Timelines depend on timely access, decisions, and data provided. The sequence below shows a standard scenario.

Day 1–3
Scope, SLA, access plan
Day 4–6
Playbooks, checklists, reporting templates
Day 7–8
Pilot batch & calibration
Day 9–10
Threshold adjustments & metrics finalised
Day 10
Go-live & first weekly report

Engagement Models

Choose a model based on volume predictability and urgency:

Dedicated Team Stable volumes

Full-time analysts under your direction with agreed SLAs and reporting. Best for predictable volumes; scale 1–250 by tranche.

Capacity Block Peaks & inspections

Guaranteed monthly hours and outcomes; we manage rota and coverage. Ideal for peaks, inspections, and remediation work; scale monthly.

Case-Based Variable demand

Pay per completed case or alert with quality controls and turnaround targets. Transparent unit economics for event-driven workloads.

What Are the Responsibilities of Outsourced AML Teams?

KYC / Onboarding and Transaction Monitoring Teams

We act as a support and case-preparation function. The client and MLRO retain ultimate authority for regulatory decisions, filings, and account actions unless explicitly delegated in contract. Our role is to prepare documented analysis, case files, and escalations with full traceability to support your obligations.

Outsourced AML teams can handle the most resource-intensive tasks: onboarding, sanctions screening, and transaction monitoring. Clear roles, documented workflows, and case-handling standards ensure consistent execution and traceability. With responsibilities mapped to policy and outcomes measured against agreed KPIs, our clients maintain audit-ready records while reducing internal HR load.

KYC / Onboarding TeamIdentity & due diligence Transaction MonitoringAlerts & investigations
Primary Responsibilities Identity verification, document validation, beneficial ownership checks, risk profiling (CDD/EDD), sanctions/PEP/adverse media screening, periodic reviews, remediation of legacy KYC gaps, escalation handling. Real-time or batch monitoring, alert triage, case investigation, escalation management, SAR/STR drafting, transaction pattern analysis, rule/threshold tuning.
Supporting Responsibilities Customer outreach for missing documents, supplemental data collection, maintaining KYC audit logs and approval history. Linking alerts to customer profiles and risk scores, monitoring for structuring/layering/unusual flows, trend analysis, scenario reviews, rule testing, escalation reporting.
Sample KPIs Average onboarding decision time; KYC abandonment rate; document rejection/resubmission rate; % requiring EDD; remediation success rate. Alerts per period; alert-to-case conversion; false-positive rate; average case resolution time; SAR filing rate; open-case backlog; cost per alert/case.
Deliverables Completed KYC files; risk scoring & classification; audit-trail documentation; escalation logs; periodic review records. Documented case files; investigation outcomes with decision rationale; SAR/STR reports; escalation history; dashboards & management summaries.
Regulatory / Audit Focus Demonstrable identity verification; clear escalation chain; second-level reviews; audit-ready KYC logs over time. Complete audit trails of alerts and decisions; documented rule tuning; monitoring-rule change history; ability to reconstruct past decisions.
Key Challenges / Risks Incomplete documentation; inconsistent policy interpretation; onboarding volume spikes; compressed remediation timelines. High false-positive volumes; calibration complexity; profiling dynamic behavior; consistency in case decisions across reviewers.

Frequently Asked Questions

Who retains legal responsibility for compliance decisions such as account actions and SAR/STR filing?

Client firm and MLRO retain final decision rights. We prepare and document cases; filings and account actions remain with you unless explicitly delegated in contract.

How is client data protected under GDPR and where is the work performed?

EU-based analysts operate with role-based access in your systems or secure VDI, activity logging, NDAs, no local data retention, and documented incident notification and containment procedures.

What activities do your KYC analysts actually perform during onboarding, remediation, and periodic reviews?

Identity verification, document validation, beneficial ownership checks, CDD/EDD, sanctions/PEP/adverse-media screening, outreach for missing data, remediation of legacy gaps, and maintenance of KYC audit logs.

How does the Transaction Monitoring team process alerts from detection through to case closure and escalation?

We triage alerts, gather evidence, document decision rationale, escalate by risk tier within agreed SLAs, support SAR/STR drafting, and feed rule/threshold feedback to your team to reduce false positives.

Can you work inside our existing screening and case-management tools, and how is the audit trail maintained?

Yes, preferably in client platforms. All actions are documented to your standards with time stamps, reviewer IDs, evidence attachments, and escalation records for full traceability.

What SLAs, KPIs, and reporting cadence can we agree to for KYC and monitoring operations?

Turnaround targets (P50/P90), quality rework rate, false-positive rate, alert-to-case conversion, backlog thresholds, and escalation timeliness, with weekly metrics and a monthly management summary.

How quickly can you stand up a team and scale capacity during inspections, growth, or remediation waves?

Typical ramp is 10 working days (scope/access, playbooks, pilot, metrics, go-live). Capacity scales from 1 to 250+ analysts by tranche with preserved SLAs and quality controls.

What controls ensure consistent quality across reviewers and over time?

Client-aligned playbooks and checklists, dual control on higher-risk cases, second-line spot checks, calibration sessions, and trend analysis feeding training and rule tuning.

Questions? Book an Introductory call with our Compliance Team!

Book a meeting about AML Team Outsourcing

After a discovery meeting we can provide a preliminary plan covering roles, SLAs, team size, onboarding timeline, and a documentation checklist for KYC and transaction monitoring (playbooks, access controls, and reporting templates). Our approach maps responsibilities to your policies and systems with measurable KPIs. Please contact us via the form below and we will respond shortly.

    Contact details

    Please contact us to schedule a meeting with our AML outsourcing projects manager.

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