Anti-Money Laundering
Anti-Money Laundering
Alpen Kredit Group enforces a zero-tolerance AML policy. Our framework for combating money laundering and terrorist financing is among the most robust in the European fintech sector.
Our AML Framework
Six concrete measures to safeguard the integrity of the financial system.
Risk Assessment
Each customer and transaction is evaluated against a risk matrix. High-risk customers are subject to Enhanced Due Diligence (EDD).
Transaction Monitoring
Our system automatically detects abnormal patterns: unusual flows, structuring, risk countries. Alerts processed within 24h.
Reports to Authorities
Suspicious transactions are reported to financial intelligence units: FIU Germany, Tracfin (France) and partner units.
Continuous Training
100% of our staff receive annual AML typology training. Mandatory certification for exposed roles.
Asset Freezing
Systematic screening of sanctions lists (OFAC, EU, UN) at onboarding and on an ongoing basis. Immediate freeze upon match.
Regulatory Reporting
Periodic reports to supervisors (BaFin, ACPR). Incident reporting within legal deadlines. Daily AML register updates.
Customer Risk Levels
Every customer is classified according to our proprietary risk matrix.
EU-resident customers, verifiable income, standard transactions. Standard Due Diligence (SDD).
Profile review
Annual
Non-EU customers, complex activities or significant amounts. Enhanced standard due diligence.
Profile review
Semi-annual
PEPs, risk jurisdictions, atypical profiles. Enhanced Due Diligence (EDD) mandatory.
Profile review
Monthly
AML Regulatory Frameworks
AMLD5
5th EU Anti-Money Laundering Directive
2020AMLD6
6th Directive — expanded predicate offences
2021FATF/GAFI
Financial Action Task Force Recommendations
OngoingTracfin
French Financial Intelligence Unit
OngoingWhistleblowing
Report Suspicious Activity
If you suspect money laundering activity or are aware of a fraudulent transaction, contact our AML team confidentially.