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AML Mystery Shopping & Compliance Testing

Understanding how effectively your frontline staff apply AML policies and procedures in real-world situations is crucial for maintaining a strong compliance programme. At Digitise, our AML Mystery Shopping and Compliance Testing services provide you with valuable insights into the practical implementation of your AML controls.

What is AML Mystery Shopping?

AML Mystery Shopping involves deploying trained compliance experts who act as customers or vendors to simulate transactions and interactions within your organisation. This undercover approach helps assess whether your staff:

• Properly conduct Customer Due Diligence (CDD) and Know Your Customer (KYC) checks
• Adhere strictly to your AML/CTF policies and procedures
• Detect and escalate suspicious activities appropriately
• Follow correct transaction monitoring and record-keeping practices

Benefits of AML Mystery Shopping

• Identify Gaps:
  Discover any loopholes, shortcuts, or non-compliance behaviours that may exist in your day-to-day operations.
• Improve Staff Awareness:
  Highlight training needs and reinforce the importance of AML compliance among your employees.
• Enhance Controls:
  Gain practical feedback that can help you strengthen internal procedures and improve overall AML risk management.
• Regulatory Confidence:
  Demonstrate to regulators your proactive approach to ensuring frontline compliance and ongoing staff vigilance.

Our AML Mystery Shopping exercises are tailored to your business size, sector, and risk profile, providing actionable insights that help maintain the integrity of your AML programme.

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