Get AML KYC Certified — India's #1 AML Career Programme

Build a strong foundation in money laundering, financial crime and the purpose of AML controls. This module explains how illegal funds are introduced, moved and made to appear legitimate, while also showing why banks and financial institutions invest heavily in compliance teams.

• ML stages: placement, layering and integration: Understand how illicit funds enter the financial system, move through complex transactions and eventually reappear as apparently legitimate money.
• Key red flags across customer and transaction segments: Learn to identify unusual behaviour such as unexplained cash activity, rapid fund movement, inconsistent profiles and complex ownership structures.
• Regulatory, reputational and operational risk impact: Explore how weak AML controls can lead to penalties, licence restrictions, customer loss and serious damage to an institution’s reputation.
• AML roles and career path: Understand the responsibilities and progression from AML analyst and investigator roles to quality assurance, team leadership and MLRO-level positions.

Learn how AML regulations are created, enforced and applied across financial institutions. The module introduces the legal and regulatory framework that guides customer verification, monitoring, reporting and record retention.

• CDD, EDD, record-keeping and reporting requirements: Understand the minimum compliance obligations institutions must follow when onboarding and monitoring customers.
• Regulatory governance and compliance expectations: Learn how regulators assess governance, internal controls, accountability and the effectiveness of an AML compliance program.
• Practical AML training aligned with global standards: Connect regulatory principles with real operational workflows used by banks, fintech companies and compliance service providers.

Understand how financial institutions monitor customer transactions for unusual patterns and potential suspicious activity. This module focuses on the practical investigation process followed by transaction monitoring analysts.

• Alert lifecycle: Follow the complete process from alert generation and triage to investigation, decision-making, quality review and possible STR referral.
• Transaction red flags and unusual customer behaviour: Review examples involving sudden spikes in volume, round-value payments, rapid pass-through activity and transactions inconsistent with a customer profile.
• Skills required for AML analyst roles: Develop analytical thinking, documentation, evidence review and decision-making skills needed in transaction monitoring teams.

Learn how adverse news and publicly available information are used to identify possible financial crime, corruption, fraud or reputational concerns connected with a customer or business.

• Understanding adverse media and reputational risk: Identify the types of news that may indicate bribery, fraud, organised crime, sanctions exposure or other serious concerns.
• Screening workflow and relevance assessment: Learn how to distinguish a true match from irrelevant information by checking names, dates, locations, organisations and contextual details.
• Documentation and escalation: Understand how material findings are recorded, risk-rated and escalated for enhanced review or approval.

Explore how sanctions restrictions affect customer onboarding, payments and ongoing account activity. The module explains how analysts review possible matches against sanctions lists and determine whether escalation is required.

• Onboarding vs payment screening: Understand the difference between checking customers at the start of a relationship and screening parties involved in financial transactions.
• Sanctions list updates and screening hygiene: Learn why institutions must maintain current lists, accurate customer data and effective matching rules.
• Common interview and exam concepts: Review false positives, true matches, ownership and control, name variations and escalation procedures.

Understand the higher AML risks associated with correspondent banking and complex business relationships. This module helps learners assess institutional clients, products, geographies and transaction channels.

• EDD for financial institution clients: Review ownership, licensing, regulatory status, AML controls, customer base and geographic exposure before establishing a relationship.
• AML controls, assurance and product mapping: Learn how risk differs across products such as wire transfers, trade finance, remittances and cross-border banking.
• Business risk understanding: Develop the ability to evaluate how a customer’s industry, delivery channels and operating model influence financial crime risk.

Learn why politically exposed persons may present elevated corruption, bribery and misuse-of-office risks. The module explains identification, classification, approval and monitoring requirements.

• PEP, RCA and close associates: Understand how risk may extend beyond the individual to relatives, business partners and connected entities.
• Domestic, foreign and international organisation PEPs: Learn the different categories of politically exposed persons and why risk levels may vary.
• Source of wealth and source of funds checks: Review how analysts establish whether a customer’s wealth and specific transactions are reasonable and supported by evidence.

Understand how institutions allocate compliance resources according to the level of financial crime risk. This module explains how customer risk is identified, scored, reviewed and reported.

• Customer, product, channel and geography risk factors: Examine the major factors used to classify customers as low, medium or high risk.
• Risk scoring frameworks and calibration: Learn how institutions combine different risk indicators into a consistent and explainable scoring model.
• Residual risk and board-level reporting: Understand the risk that remains after controls are applied and how management receives information on significant exposures.

Gain practical knowledge of customer onboarding, identity verification and ongoing due diligence. This module covers the documents, checks and decisions involved in establishing who the customer is and whether the relationship is acceptable.

• KYC packs for different customer types: Learn the information and documents required for individuals, SMEs, corporates, trusts, non-profit organisations and financial institutions.
• Beneficial ownership discovery: Understand how to identify the natural persons who ultimately own or control a legal entity.
• Periodic reviews and remediation: Learn how customer records are refreshed, risk changes are assessed and missing or outdated information is corrected.

Learn how suspicious activity is escalated and formally reported. This module focuses on identifying reportable concerns, organising supporting evidence and writing clear investigation narratives.

• Suspicious transaction and activity report triggers: Understand the behaviours and investigation findings that may justify filing a report.
• Narrative writing, evidence and timelines: Learn how to explain who was involved, what happened, when it occurred, why it is suspicious and what supporting evidence exists.
• Confidentiality and do-not-tip-off rules: Understand why customers must not be informed about an internal escalation or regulatory filing.

Study common methods used by criminals to disguise ownership, movement and purpose of funds. The module uses practical typologies to improve pattern recognition during investigations.

• Smurfing, structuring, funnel and mule accounts: Learn how transactions may be split, routed through multiple accounts or carried out through third parties to avoid detection.
• Trade-based money laundering: Understand how invoices, goods, pricing and shipping documents may be manipulated to transfer value.
• NPO misuse, cash couriers and remittance abuse: Review how legitimate organisations and payment channels can be exploited for illegal movement of funds.

Understand how terrorist financing differs from conventional money laundering and why even small-value transactions can be significant. The module covers funding sources, movement methods and control measures.

• Difference between terrorist financing and money laundering: Compare the source, purpose and movement of funds in both forms of financial crime.
• Small transfers, NPO misuse and informal channels: Learn how apparently ordinary payments may support prohibited activities when viewed in context.
• CTF controls and reporting pathways: Review sanctions checks, geographic risk indicators, transaction monitoring and escalation procedures relevant to counter-terrorist financing.