AML & CFT (Anti Money Laundering & Counter‑Financing of Terrorism)

Practical Anti-Money Laundering training covering AML/CFT risks, controls, and reporting.

86
August 2026
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Overview

Did you know up to $2 trillion disappears annually? That massive sum is untraceable money, laundered globally. Weak controls leave your business dangerously exposed to risks.

This course builds practical skills to protect your organisation. You will master KYC, UBO, and high-risk red flags. We align with FATF, Spain, and EU regulations.

Transform your compliance approach across seven quick, practical modules.

Learning Outcomes

By completing this course, learners will be able to:

  • Explain core money laundering and terrorist financing concepts.
  • Identify placement, layering, integration, and common red flags.
  • Apply risk-based principles to customer due diligence decisions.
  • Analyse unusual transactions and document appropriate escalation steps.
  • Evaluate AML/CFT controls across different sectors and risks.
  • Assess emerging risks involving crypto-assets, sanctions, and technology.

Certification Information

Certification Information

After completion, learners receive the following certificate:

Certificate of Completion from Spanish Compliance Institute

It demonstrates structured study across core AML/CFT topics. It does not provide professional licensing or regulatory approval. Employer acceptance depends on individual organisational requirements.

Curriculum

1

Module 01: Foundations of AML & CFT

21 Minute

  • 1.1: Understanding Money Laundering and Terrorist Financing
  • 1.2: The Stages of Money Laundering
  • 1.3: International AML/CFT Standards and Organisations
  • 1.4: Spain's AML/CFT Regulatory Framework
2

Module 02: Risk-Based Approach and Customer Due Diligence

24 Minute

  • 2.1: Understanding AML/CFT Risk Assessment
  • 2.2: Customer Due Diligence (CDD) Fundamentals
  • 2.3: Enhanced and Simplified Due Diligence
  • 2.4: Beneficial Ownership and Corporate Transparency
3

Module 03: Transaction Monitoring and Suspicious Activity Detection

24 Minute

  • 3.1: Recognising Red Flags and Suspicious Indicators
  • 3.2: Transaction Monitoring Systems and Controls
  • 3.3: Investigating Unusual Activities and Behaviours
  • 3.4: Reporting Suspicious Transactions
4

Module 04: AML/CFT Compliance Programme and Governance

24 Minute

  • 4.1: Building an Effective AML/CFT Compliance Framework
  • 4.2: Roles and Responsibilities within Organisations
  • 4.3: Record-Keeping and Documentation Requirements
  • 4.4: Independent Reviews, Audits, and Regulatory Inspections
5

Module 05: High-Risk Areas, Financial Crime, and Emerging Threats

25 Minute

  • 5.1: Politically Exposed Persons (PEPs) and Sanctions Compliance
  • 5.2: Trade-Based Money Laundering and Complex Schemes
  • 5.3: Virtual Assets, Cryptocurrencies, and FinTech Risks
  • 5.4: Terrorist Financing Methods and Indicators
6

Module 06: Sector-Specific AML/CFT Controls

26 Minute

  • 6.1: Financial Institutions and Payment Services
  • 6.2: Real Estate, Legal, and Professional Services
  • 6.3: High-Value Goods, Casinos, and Non-Financial Businesses
  • 6.4: Non-Profit Organisations and Cross-Border Activities
7

Module 07: Practical AML/CFT Application and Future Developments

25 Minute

  • 7.1: Conducting AML/CFT Risk Assessments in Practice
  • 7.2: Case Studies: Money Laundering and Terrorist Financing Investigations
  • 7.3: Building a Culture of Compliance and Ethical Decision-Making
  • 7.4: The Future of AML/CFT Compliance
8

Mock Exam

30 Minute

  • Mock Exam - AML & CFT (Anti Money Laundering & Counter‑Financing of Terrorism)
9

Final Exam

30 Minute

  • Final Exam - AML & CFT (Anti Money Laundering & Counter‑Financing of Terrorism)

Requirements

  • No prior AML or CFT experience is required.
  • A computer, tablet, or smartphone supports online study.
  • Reliable internet access is required for course access.

Learners should have:

  • An interest in the course topic.

This Course Includes

  • Approximately 8 hours of self-paced learning
  • Practical AML/CFT guidance
  • Spain and EU regulatory context
  • Realistic examples and applied scenarios
  • Assessment preparation
  • Certificate of completion

Why Choose Us

Training focuses on practical AML/CFT responsibilities.
Spain and EU context supports workplace relevance.

  • Clear, structured learning across seven modules
  • Practical coverage of CDD, EDD, UBO, and monitoring
  • Spain-focused regulatory context and EU developments
  • Flexible online access for busy professionals
  • Applied scenarios supporting workplace understanding
  • Completion supported by mock and final exams

Career Opportunities

This course supports pathways towards roles such as:

  • AML Analyst
  • KYC Analyst
  • CDD/EDD Analyst
  • Financial Crime Analyst
  • Transaction Monitoring Analyst
  • Sanctions Screening Analyst

It strengthens knowledge relevant to financial crime responsibilities. It does not guarantee employment or regulated professional status.

More About This Course

What Do AML and CFT Stand For?

AML means Anti-Money Laundering. CFT means Counter-Financing of Terrorism. Both address different financial crime risks through related controls.

What Are the Three Stages of Money Laundering?

Placement introduces illicit funds into financial channels. Layering obscures origins through complex transactions. Integration returns funds as apparently legitimate assets.

When Does CDD Require Enhanced Due Diligence?

EDD applies when higher risks need stronger measures. Examples include higher-risk countries and PEP relationships. Specific measures depend on applicable requirements and risk.

Who Qualifies as a Politically Exposed Person?

PEPs hold, or held, prominent public functions. FATF requires additional measures for relevant PEP relationships. Family-member and close-associate rules may also apply.

What Are Essential AML/CFT Compliance Programme Pillars?

Core pillars include risk assessment, due diligence, and monitoring. They also include reporting, governance, records, training, and review. FATF places the risk-based approach at the framework’s core.

Frequently Asked Questions

Yes. You will gain the exact skills required to enter or advance in compliance departments across banks, fintechs, crypto exchanges, and consulting firms.

Yes. The course walks you step-by-step through conducting Customer Due Diligence (CDD), verifying complex ownership structures, and evaluating risk profiles.

Yes. You will build hands-on skills in identifying unusual transaction patterns and filing accurate regulatory reports to protect institutions from illegal activity.

Yes. You will master how global compliance rules apply to virtual assets, decentralized finance (DeFi), and crypto asset transfers.

Yes. By understanding global compliance frameworks, you can establish robust internal controls that safeguard your organization against costly violations and reputational damage.

Yes. The curriculum breaks down complex regulatory frameworks into beginner-friendly concepts, making it accessible for career switchers, auditors, and operations staff alike.

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