{"product_id":"aml-financial-crime-course","title":"Anti Money Laundering Financial Crime Course","description":"\u003cp dir=\"ltr\"\u003e\u003cspan\u003eThe \u003c\/span\u003e\u003cspan\u003eAnti-Money Laundering Financial Crime Course\u003c\/span\u003e\u003cspan\u003e addresses a high-risk compliance need for Spain and EU-facing businesses involved in real estate, luxury goods, art, jewellery, vehicles, yachts, and other high-value assets. Criminal funds can move through property purchases, shell companies, nominee structures, cash transactions, portable luxury assets, false valuations, and resale channels. Weak AML controls can expose firms to regulatory scrutiny, suspicious transaction reporting failures, reputational damage, enforcement risk, tax authority attention, and serious financial crime vulnerabilities. Spain’s AML framework is centred on Law 10\/2010 and Royal Decree 304\/2014, with SEPBLAC acting as the national financial intelligence unit and supervisory authority for AML\/CFT prevention.\u003c\/span\u003e\u003c\/p\u003e\n\u003cp dir=\"ltr\"\u003e\u003cspan\u003eThis course helps learners understand how anti-money laundering and financial crime controls apply to high-value asset sectors. It covers Spain’s PBC framework, real estate AML risk, luxury goods vulnerabilities, customer due diligence, enhanced due diligence, beneficial ownership, PEPs, sanctions, source of funds, source of wealth, suspicious transaction reporting, no tipping off, recordkeeping, digital KYC, transaction monitoring, internal controls, external expert review, and EU AML readiness. The course is designed for professionals who need practical AML awareness in property, luxury, art, jewellery, and high-value transaction environments.\u003c\/span\u003e\u003c\/p\u003e\n\u003cp dir=\"ltr\"\u003e \u003c\/p\u003e\n\u003ch2 dir=\"ltr\"\u003e\u003cstrong\u003eWhat Is an Anti-Money Laundering Financial Crime Course?\u003c\/strong\u003e\u003c\/h2\u003e\n\u003cp dir=\"ltr\"\u003e\u003cspan\u003eAn Anti-Money Laundering Financial Crime Course is structured professional training focused on recognising, preventing, escalating, and documenting money laundering and financial crime risks in regulated or higher-risk business environments.\u003c\/span\u003e\u003c\/p\u003e\n\u003cp dir=\"ltr\"\u003e\u003cspan\u003eLearners study how criminal proceeds may be placed, layered, integrated, converted, or concealed through real estate, luxury goods, corporate vehicles, cross-border transactions, and high-value assets. The course explains how risk-based controls, customer identification, beneficial ownership checks, source of funds review, adverse media screening, sanctions awareness, and suspicious transaction reporting support compliance practice.\u003c\/span\u003e\u003c\/p\u003e\n\u003cp dir=\"ltr\"\u003e\u003cspan\u003eThis training matters because AML is not only a banking issue. Real estate professionals, luxury traders, galleries, jewellers, auctioneers, and other high-value asset businesses can act as gatekeepers to the legitimate economy. When firms fail to question unusual buyers, opaque corporate structures, third-party payments, provenance gaps, or inconsistent transaction patterns, they may unknowingly support asset conversion, concealment, or criminal integration.\u003c\/span\u003e\u003c\/p\u003e\n\u003cp dir=\"ltr\"\u003e \u003c\/p\u003e\n\u003ch2 dir=\"ltr\"\u003e\u003cstrong\u003eWho Should Take This Anti-Money Laundering Financial Crime Course?\u003c\/strong\u003e\u003c\/h2\u003e\n\u003cp dir=\"ltr\"\u003e\u003cspan\u003eThis course is suitable for professionals and organisations exposed to real estate, luxury goods, art, jewellery, high-value assets, customer due diligence, or financial crime compliance responsibilities.\u003c\/span\u003e\u003c\/p\u003e\n\u003cul\u003e\n\u003cli\u003e\n\u003cspan\u003eReal estate agents, brokers, developers, and intermediaries\u003c\/span\u003e\u003cspan\u003e who need to recognise property red flags, non-resident buyer risk, corporate buyer opacity, and suspicious transaction patterns.\u003c\/span\u003e\n\u003c\/li\u003e\n\u003cli\u003e\n\u003cspan\u003eLuxury goods traders, jewellers, galleries, and auction professionals\u003c\/span\u003e\u003cspan\u003e who handle portable value, high-value goods, provenance checks, resale channels, valuation concerns, and cash-risk exposure.\u003c\/span\u003e\n\u003c\/li\u003e\n\u003cli\u003e\n\u003cspan\u003eCompliance officers and AML managers\u003c\/span\u003e\u003cspan\u003e who support customer due diligence, enhanced due diligence, risk assessments, internal controls, reporting procedures, and audit readiness.\u003c\/span\u003e\n\u003c\/li\u003e\n\u003cli\u003e\n\u003cspan\u003eLegal, notarial, registry, and transaction-support professionals\u003c\/span\u003e\u003cspan\u003e who need awareness of gatekeeper risks, beneficial ownership, source of funds, and suspicious deal indicators.\u003c\/span\u003e\n\u003c\/li\u003e\n\u003cli\u003e\n\u003cspan\u003eFinance, operations, and client onboarding teams\u003c\/span\u003e\u003cspan\u003e that collect identity documents, verify customer information, review payment methods, and escalate unusual activity.\u003c\/span\u003e\n\u003c\/li\u003e\n\u003cli\u003e\n\u003cspan\u003eRisk managers and internal auditors\u003c\/span\u003e\u003cspan\u003e who review AML governance, control effectiveness, staff training, external expert review, recordkeeping, and suspicious activity processes.\u003c\/span\u003e\n\u003c\/li\u003e\n\u003cli\u003e\n\u003cspan\u003eLuxury asset, vehicle, yacht, and collectible businesses\u003c\/span\u003e\u003cspan\u003e that need practical awareness of AML thresholds, cross-border controls, valuation manipulation, and resale risks.\u003c\/span\u003e\n\u003c\/li\u003e\n\u003cli\u003e\n\u003cspan\u003eCareer-focused learners\u003c\/span\u003e\u003cspan\u003e preparing for roles in AML, compliance, financial crime prevention, real estate operations, luxury trading, risk, audit, or regulated business support.\u003c\/span\u003e\n\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003cp\u003e \u003c\/p\u003e\n\u003ch2 dir=\"ltr\"\u003e\u003cstrong\u003eWhat Does This Anti-Money Laundering Financial Crime Course Cover?\u003c\/strong\u003e\u003c\/h2\u003e\n\u003cp dir=\"ltr\"\u003e\u003cspan\u003eThe course covers AML and financial crime risks linked to real estate, luxury goods, art, portable value, and high-value asset transactions in Spain and the EU. It begins with Spain’s PBC framework, Law 10\/2010, Royal Decree 304\/2014, SEPBLAC, notaries, registries, tax authority coordination, high-value asset vulnerabilities, and money laundering models such as placement, layering, integration, and asset conversion.\u003c\/span\u003e\u003c\/p\u003e\n\u003cp dir=\"ltr\"\u003e\u003cspan\u003eThe detailed curriculum appears below. Learners then study real estate AML in coastal and luxury markets, non-resident buyer risk, shell companies, nominees, ultimate beneficial ownership, property red flags, third-party payments, luxury traders, galleries, jewellers, auctioneers, cash caps, S1 declarations, cross-border controls, provenance gaps, freeports, customer identification, DNI, NIE and passport checks, source of funds, source of wealth, PEPs, sanctions, high-risk countries, adverse media, suspicious transaction reports, no tipping off, 10-year records, internal policies, digital KYC, AI alerts, human oversight, AMLA supervision, UBO reform, and EU AML readiness.\u003c\/span\u003e\u003c\/p\u003e\n\u003cp dir=\"ltr\"\u003e \u003c\/p\u003e\n\u003ch2 dir=\"ltr\"\u003e\u003cstrong\u003eCurriculum Summary\u003c\/strong\u003e\u003c\/h2\u003e\n\u003cdiv dir=\"ltr\" align=\"left\"\u003e\n\u003ctable\u003e\n\u003ccolgroup\u003e \u003ccol width=\"267\"\u003e \u003ccol width=\"335\"\u003e \u003c\/colgroup\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003e\n\u003cp dir=\"ltr\"\u003e\u003cstrong\u003eModule\u003c\/strong\u003e\u003c\/p\u003e\n\u003c\/td\u003e\n\u003ctd\u003e\n\u003cp dir=\"ltr\"\u003e\u003cstrong\u003eKey Topics\u003c\/strong\u003e\u003c\/p\u003e\n\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003e\n\u003cp dir=\"ltr\"\u003e\u003cspan\u003eModule 1: Spain’s AML System and High-Value Asset Crime\u003c\/span\u003e\u003c\/p\u003e\n\u003c\/td\u003e\n\u003ctd\u003e\n\u003cul\u003e\n\u003cli dir=\"ltr\" aria-level=\"1\"\u003e\n\u003cp dir=\"ltr\" role=\"presentation\"\u003e\u003cspan\u003eSpain’s PBC framework, Law 10\/2010, and Royal Decree 304\/2014\u003c\/span\u003e\u003c\/p\u003e\n\u003c\/li\u003e\n\u003cli dir=\"ltr\" aria-level=\"1\"\u003e\n\u003cp dir=\"ltr\" role=\"presentation\"\u003e\u003cspan\u003eSEPBLAC, notaries, registries, and tax authority coordination\u003c\/span\u003e\u003c\/p\u003e\n\u003c\/li\u003e\n\u003cli dir=\"ltr\" aria-level=\"1\"\u003e\n\u003cp dir=\"ltr\" role=\"presentation\"\u003e\u003cspan\u003eReal estate, luxury goods, and high-value asset vulnerabilities\u003c\/span\u003e\u003c\/p\u003e\n\u003c\/li\u003e\n\u003cli dir=\"ltr\" aria-level=\"1\"\u003e\n\u003cp dir=\"ltr\" role=\"presentation\"\u003e\u003cspan\u003ePlacement, layering, integration, and asset conversion models\u003c\/span\u003e\u003c\/p\u003e\n\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003e\n\u003cp dir=\"ltr\"\u003e\u003cspan\u003eModule 2: Real Estate AML in Spain’s High-Risk Markets\u003c\/span\u003e\u003c\/p\u003e\n\u003c\/td\u003e\n\u003ctd\u003e\n\u003cul\u003e\n\u003cli dir=\"ltr\" aria-level=\"1\"\u003e\n\u003cp dir=\"ltr\" role=\"presentation\"\u003e\u003cspan\u003eObliged real estate professionals and gatekeeper duties\u003c\/span\u003e\u003c\/p\u003e\n\u003c\/li\u003e\n\u003cli dir=\"ltr\" aria-level=\"1\"\u003e\n\u003cp dir=\"ltr\" role=\"presentation\"\u003e\u003cspan\u003eCoastal markets, luxury zones, and non-resident buyer risk\u003c\/span\u003e\u003c\/p\u003e\n\u003c\/li\u003e\n\u003cli dir=\"ltr\" aria-level=\"1\"\u003e\n\u003cp dir=\"ltr\" role=\"presentation\"\u003e\u003cspan\u003eCorporate buyers, shell companies, nominees, and UBO control\u003c\/span\u003e\u003c\/p\u003e\n\u003c\/li\u003e\n\u003cli dir=\"ltr\" aria-level=\"1\"\u003e\n\u003cp dir=\"ltr\" role=\"presentation\"\u003e\u003cspan\u003eProperty red flags, third-party payments, and suspicious deal patterns\u003c\/span\u003e\u003c\/p\u003e\n\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003e\n\u003cp dir=\"ltr\"\u003e\u003cspan\u003eModule 3: Luxury Goods, Art, and Portable Value Risks\u003c\/span\u003e\u003c\/p\u003e\n\u003c\/td\u003e\n\u003ctd\u003e\n\u003cul\u003e\n\u003cli dir=\"ltr\" aria-level=\"1\"\u003e\n\u003cp dir=\"ltr\" role=\"presentation\"\u003e\u003cspan\u003eObliged luxury traders, galleries, jewellers, and auctioneers\u003c\/span\u003e\u003c\/p\u003e\n\u003c\/li\u003e\n\u003cli dir=\"ltr\" aria-level=\"1\"\u003e\n\u003cp dir=\"ltr\" role=\"presentation\"\u003e\u003cspan\u003eWatches, jewellery, art, vehicles, yachts, and collectibles\u003c\/span\u003e\u003c\/p\u003e\n\u003c\/li\u003e\n\u003cli dir=\"ltr\" aria-level=\"1\"\u003e\n\u003cp dir=\"ltr\" role=\"presentation\"\u003e\u003cspan\u003eAML thresholds, cash caps, S1 declarations, and cross-border controls\u003c\/span\u003e\u003c\/p\u003e\n\u003c\/li\u003e\n\u003cli dir=\"ltr\" aria-level=\"1\"\u003e\n\u003cp dir=\"ltr\" role=\"presentation\"\u003e\u003cspan\u003eProvenance gaps, resale channels, freeports, and valuation manipulation\u003c\/span\u003e\u003c\/p\u003e\n\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003e\n\u003cp dir=\"ltr\"\u003e\u003cspan\u003eModule 4: Due Diligence, EDD, and SEPBLAC Reporting\u003c\/span\u003e\u003c\/p\u003e\n\u003c\/td\u003e\n\u003ctd\u003e\n\u003cul\u003e\n\u003cli dir=\"ltr\" aria-level=\"1\"\u003e\n\u003cp dir=\"ltr\" role=\"presentation\"\u003e\u003cspan\u003eCustomer identification, remote verification, DNI, NIE, and passport checks\u003c\/span\u003e\u003c\/p\u003e\n\u003c\/li\u003e\n\u003cli dir=\"ltr\" aria-level=\"1\"\u003e\n\u003cp dir=\"ltr\" role=\"presentation\"\u003e\u003cspan\u003eSource of funds, source of wealth, and transaction purpose\u003c\/span\u003e\u003c\/p\u003e\n\u003c\/li\u003e\n\u003cli dir=\"ltr\" aria-level=\"1\"\u003e\n\u003cp dir=\"ltr\" role=\"presentation\"\u003e\u003cspan\u003ePEPs, sanctions, high-risk countries, and adverse media screening\u003c\/span\u003e\u003c\/p\u003e\n\u003c\/li\u003e\n\u003cli dir=\"ltr\" aria-level=\"1\"\u003e\n\u003cp dir=\"ltr\" role=\"presentation\"\u003e\u003cspan\u003eSTRs, no tipping off, special examination, and 10-year records\u003c\/span\u003e\u003c\/p\u003e\n\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003e\n\u003cp dir=\"ltr\"\u003e\u003cspan\u003eModule 5: Digital AML Controls and EU Readiness\u003c\/span\u003e\u003c\/p\u003e\n\u003c\/td\u003e\n\u003ctd\u003e\n\u003cul\u003e\n\u003cli dir=\"ltr\" aria-level=\"1\"\u003e\n\u003cp dir=\"ltr\" role=\"presentation\"\u003e\u003cspan\u003eInternal AML policies, risk assessments, and control governance\u003c\/span\u003e\u003c\/p\u003e\n\u003c\/li\u003e\n\u003cli dir=\"ltr\" aria-level=\"1\"\u003e\n\u003cp dir=\"ltr\" role=\"presentation\"\u003e\u003cspan\u003eStaff training, external expert review, and audit readiness\u003c\/span\u003e\u003c\/p\u003e\n\u003c\/li\u003e\n\u003cli dir=\"ltr\" aria-level=\"1\"\u003e\n\u003cp dir=\"ltr\" role=\"presentation\"\u003e\u003cspan\u003eDigital KYC, AI alerts, transaction monitoring, and human oversight\u003c\/span\u003e\u003c\/p\u003e\n\u003c\/li\u003e\n\u003cli dir=\"ltr\" aria-level=\"1\"\u003e\n\u003cp dir=\"ltr\" role=\"presentation\"\u003e\u003cspan\u003eEU AML Regulation, AMLA supervision, UBO reform, and 2027 readiness\u003c\/span\u003e\u003c\/p\u003e\n\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cp\u003e \u003c\/p\u003e\n\u003c\/div\u003e\n\u003ch2 dir=\"ltr\"\u003e\u003cstrong\u003eWhy AML Failures Create Legal, Commercial, and Reputational Risk\u003c\/strong\u003e\u003c\/h2\u003e\n\u003cp dir=\"ltr\"\u003e\u003cspan\u003eAML failures can affect regulatory confidence, client onboarding quality, transaction integrity, recordkeeping, reporting discipline, banking relationships, investor trust, and business reputation. SEPBLAC confirms that real estate agents are obliged subjects under Law 10\/2010 when they professionally carry out agency, commission, or intermediation activities connected with estate purchase and sale. SEPBLAC also identifies professional dealers in jewels, precious stones, precious metals, works of art, and antiques among obliged subjects under Article 2 of Law 10\/2010.\u003c\/span\u003e\u003c\/p\u003e\n\u003cp dir=\"ltr\"\u003e\u003cspan\u003eCash and cross-border value controls are also relevant to high-value asset environments. Spain requires S1 declarations for cross-border movements of means of payment of €10,000 or more, while movements within national territory of €100,000 or more are also subject to declaration rules. Spain’s Tax Agency guidance also explains that transactions involving a business or professional with an amount equal to or greater than €1,000 cannot be paid in cash, with a higher €10,000 threshold for certain non-resident private payers.\u003c\/span\u003e\u003c\/p\u003e\n\u003cp dir=\"ltr\"\u003e\u003cspan\u003eThis course supports practical capability, professional confidence, workplace readiness, and AML compliance awareness. It helps learners understand how to recognise high-value asset red flags, apply due diligence controls, document risk decisions, escalate suspicious activity, protect against tipping off, support SEPBLAC reporting processes, and prepare for evolving EU AML expectations.\u003c\/span\u003e\u003c\/p\u003e","brand":"Spanish Compliance Institute","offers":[{"title":"Default Title","offer_id":53477677367643,"sku":null,"price":18.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0963\/1118\/1659\/files\/AntiMoneyLaunderingFinancialCrimeCourse.webp?v=1782888422","url":"https:\/\/spanishcomplianceinstitute.com\/products\/aml-financial-crime-course","provider":"Spanish Compliance Institute","version":"1.0","type":"link"}