Anti-Money Laundering for Real Estate and Luxury Goods Course

Practical anti money laundering in real estate and luxury goods training.

73
August 2026
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Overview

Could your next property deal unknowingly fund financial crime? That risk matters because 2–5% of global GDP is laundered annually. Moreover, criminals often channel proceeds through property and luxury assets. Therefore, Spain’s high-value sectors require sharper AML controls. 

This course turns Law 10/2010 into practical compliance decisions. You’ll master KYC, ownership checks, and higher-risk transaction reviews. So, you can spot hidden risks before transactions become liabilities.

Learning Outcomes

By completing this course, learners will be able to:

  • Analyse anti money laundering risks across real estate transactions.
  • Apply risk-based customer due diligence and verification controls.
  • Evaluate beneficial ownership within corporate property structures.
  • Assess PEP, sanctions, country, and adverse-media risks.
  • Explain SEPBLAC reporting and no-tipping-off responsibilities.
  • Evaluate digital KYC and human oversight controls.

Certification Information

Certification Information

After completing the course, learners will receive a Certificate of Completion from the Spanish Compliance Institute.

The certificate confirms completion of structured AML training for real estate and luxury goods. It supports professional development, demonstrates compliance awareness, and provides a formal record for organisational training purposes.

Curriculum

1

Module 01: Spain’s AML System and High-Value Asset Crime

4 • 2 hours

  • 1.1 Spain’s PBC Framework, Law 10/2010, and Royal Decree 304/2014
  • 1.2 SEPBLAC, Notaries, Registries, and Tax Authority Coordination
  • 1.3 Real Estate, Luxury Goods, and High-Value Asset Vulnerabilities
  • 1.4 Placement, Layering, Integration, and Asset Conversion Models
2

Module 02: Real Estate AML in Spain’s High-Risk Markets

4 • 2 hours

  • 2.1 Obliged Real Estate Professionals and Gatekeeper Duties
  • 2.2 Coastal Markets, Luxury Zones, and Non-Resident Buyer Risk
  • 2.3 Corporate Buyers, Shell Companies, Nominees, and UBO Control
  • 2.4 Property Red Flags, Third-Party Payments, and Suspicious Deal Patterns
3

Module 03: Luxury Goods, Art, and Portable Value Risks

4 • 2 hours

  • 3.1 Obliged Luxury Traders, Galleries, Jewellers, and Auctioneers
  • 3.2 Watches, Jewellery, Art, Vehicles, Yachts, and Collectibles
  • 3.3 AML Thresholds, Cash Caps, S1 Declarations, and Cross-Border Controls
  • 3.4 Provenance Gaps, Resale Channels, Freeports, and Valuation Manipulation
4

Module 04: Due Diligence, EDD, and SEPBLAC Reporting

4 • 2 hours

  • 4.1 Customer Identification, Remote Verification, DNI, NIE, and Passport Checks
  • 4.2 Source of Funds, Source of Wealth, and Transaction Purpose
  • 4.3 PEPs, Sanctions, High-Risk Countries, and Adverse Media Screening
  • 4.4 STRs, No Tipping Off, Special Examination, and 10-Year Records
5

Module 05: Digital AML Controls and EU Readiness

4 • 2 hours

  • 5.1 Internal AML Policies, Risk Assessments, and Control Governance
  • 5.2 Staff Training, External Expert Review, and Audit Readiness
  • 5.3 Digital KYC, AI Alerts, Transaction Monitoring, and Human Oversight
  • 5.4 EU AML Regulation, AMLA Supervision, UBO Reform, and 2027 Readiness
6

Mock Exam

30 Minute

  • Mock Exam - Anti-Money Laundering for Real Estate and Luxury Goods Course
7

Final Exam

30 Minute

  • Final Exam - Anti-Money Laundering for Real Estate and Luxury Goods Course

Requirements

  • This course suits real estate, luxury goods, compliance, and risk professionals.
  • No advanced AML qualification or prior specialist training is required.
  • Use any modern computer, tablet, or compatible mobile device.
  • Reliable internet access supports smooth and uninterrupted online learning.

This Course Includes

  • Approximately 7 hours of online self-paced learning
  • Practical anti-money laundering guidance for high-value sectors
  • Spain and EU money laundering regulations awareness
  • Realistic property and luxury goods scenarios
  • Money laundering checks and assessment preparation
  • Mock exam and final exam
  • Certificate of completion

For broader financial-crime study, explore this related course: Anti-Money Laundering Financial Crime Course

Why Choose Us

Training focuses on practical decisions, not abstract compliance theory.
Spain and EU context guides examples and regulatory references.

Flexible online access supports individuals and workplace teams.
Certificate-based completion supports professional training records.

Learners choose Spanish Compliance Institute because training is:

  • Clear, structured, and easy to follow
  • Suitable for busy professionals and teams
  • Focused on real workplace and compliance challenges
  • Built around practical application, not abstract theory
  • Designed for Spain and EU professional contexts
  • Supported by certificate-based completion

Career Opportunities

This course can support these professional career paths:

  • AML Compliance Analyst
  • Financial Crime Analyst
  • KYC and CDD Analyst
  • Real Estate Compliance Officer
  • Luxury Retail Compliance Coordinator
  • Risk and Compliance Officer
  • AML Operations Specialist

This training strengthens knowledge relevant to compliance-focused career paths. It does not guarantee employment, promotion, or professional licensing.

More About This Course

What Is Anti-Money Laundering in Real Estate?

Anti-money laundering in real estate prevents property misuse.
It combines KYC, ownership checks, transaction scrutiny, and reporting.
Luxury goods controls address provenance, payments, and portable value.

What Is KYC Anti Money Laundering?

KYC means identifying customers and verifying their identities.
Anti-money laundering KYC also examines beneficial ownership.
Risk levels then guide deeper or ongoing checks.

Who Should Take This Anti-Money Laundering Training?

This course suits roles handling valuable assets or customers.

  • Real estate agents handling property buyers and sellers.
  • Property developers managing customer and funding risks.
  • Estate agency managers overseeing money laundering compliance.
  • Jewellers handling valuable goods and customer payments.
  • Art dealers assessing provenance and ownership concerns.
  • Auctioneers handling high-value transactions and customer due diligence.
  • Compliance teams managing KYC, monitoring, and reporting workflows.
  • Risk teams reviewing controls, alerts, and higher-risk customers.

What Does This Course Cover?

It covers Spain’s AML framework, real estate, and luxury goods.
Topics include KYC, EDD, PEPs, sanctions, and SEPBLAC reporting.
Learners also explore digital controls and 2027 readiness.
The detailed curriculum appears earlier on this page.

Why Do Money Laundering Checks Matter?

Money laundering checks help identify unusual customers and transactions.
They also support evidence-based escalation and reporting decisions.
Spain requires obliged entities to examine suspicious activity carefully. (BOE)
Stronger controls can reduce avoidable compliance failures.
Poor controls can increase operational and reputational exposure.

Frequently Asked Questions

Yes. Concepts are introduced before advanced applications.

Basic AML familiarity can still improve learning speed.

Yes. Teams can study online using flexible self-paced access.

Managers can align completion with internal training schedules.

Potentially. Law 10/2010 requires appropriate employee training. (BOE)

Employers must assess role-specific suitability and training evidence.

This course can support, not replace, employer programmes.

No. This course focuses on Spain and European Union rules. Anti-money laundering HMRC requirements use separate United Kingdom supervision. (GOV.UK)

Learners comparing anti-money laundering regulations and UK rules need separate guidance. Anti-money laundering checks UK procedures also follow UK requirements. (GOV.UK)

No. Duties depend on business activity and transaction circumstances.

Spanish Law 10/2010 defines specific obliged categories. (BOE)

Other high-value dealers may face threshold-based obligations. (sepblac.es)

No. The certificate records successful course completion.

It does not confer licensing or regulator endorsement.

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