One Size Fits None: Aligning AML Compliance to Your Business StrategyDescription

Most AML frameworks fit the business a firm used to be, not the one it has become. As firms enter new markets, launch new products and take on unfamiliar client types, a programme built around "what passed the last inspection" starts to work against the business rather than for it. Compliance teams find themselves applying methodologies that no longer reflect the risks in front of them, while business development pursues sectors the framework was never scoped to support. The result is friction: slow onboarding, inconsistent risk ratings, and decisions that are difficult to defend when they are challenged. This session looks at how firms can align their AML risk framework to their actual business model, using practical examples drawn from across multiple industry sectors. What you will take away How to adjust risk methodologies for different client and product types How to calibrate onboarding and EDD expectations when entering a new sector The way delivery channels and intermediaries alter the risk picture Why template-driven approaches fail in practice, and what to do instead How to reduce friction between compliance, onboarding and commercial teams Julia Shamini Chase, Founder and CEO of Gold Leaf, will examine where risk calibration most commonly breaks down and what a framework looks like when it is both commercially workable and regulatorily defensible. If you are responsible for a framework that has to keep pace with a changing business, this session gives you a practical basis for reviewing it.