Real Estate
AML software tools for European real estate
You are already an Obliged Entity under AMLD. Software tools to help you manage your existing obligations across the Member States you operate in.
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Real Estate businesses across the EU have been bound by AMLD for years. With AMLA arriving and the AML Regulation tightening the bar for everyone, now is the moment to retire the spreadsheets.
Sector challenges
- •High-value transactions and cross-border buyers requiring enhanced due diligence
- •Beneficial ownership chains hidden behind shell companies and trusts
- •Inconsistent UBO register access and quality across Member States
- •PEP and sanctions screening obligations under the EU Single Rulebook
- •Demonstrating AML effectiveness to NCAs during on-site inspections
Typical AMLD obligations for this sector
- Customer Due Diligence (CDD) on all parties before establishing the business relationship
- Enhanced Due Diligence (EDD) for high-risk customers, transactions, and jurisdictions
- Identify and verify Ultimate Beneficial Owners (UBOs) using EU registers
- Screening against the EU Consolidated Financial Sanctions List
- Suspicious Transaction Reports (STRs) to the national FIU
- Retain records for the period required by your Member State (5–10 years)
How the platform helps
- UBO lookups via integrated European beneficial ownership registers
- Automated EDD workflows tied to the EU Supranational Risk Assessment
- Scheduled PEP and sanctions re-screening with alerts
- Enterprise-Wide Risk Assessment (EWRA) templates based on AMLD6
- Multi-Member-State support: one workflow across the Member States you operate in
- Evidence packs to help you respond to NCA inspections
Purpose-built for Real Estate in the EU
Capabilities mapped to obligations Obliged Entities face under AMLD6 and the AML Regulation.
Customer & UBO verification
Identity verification plus European UBO register lookups, in a single workflow.
Risk assessment
EWRA template based on the EU Supranational Risk Assessment and national risk factors.
Continuous monitoring
Customer, transaction and (for CASPs) on-chain monitoring with risk-scored alerts.
FIU reporting
STR templates pre-mapped to each Member State's national FIU channel.
Programme templates based on AMLD6
Policy, procedure and training templates for you to review and adapt.
Evidence records
A single audit trail for your supervisor.
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Start your free trialImportant: Instant Compliance is software, not compliance advice.
Our tools help you prepare, record and manage an AML/CFT program. They do not provide legal or compliance advice and do not guarantee compliance with the EU AML Regulation or your national AML/CFT law. Your business remains responsible for meeting its own obligations and for every decision it makes using these tools. Instant Compliance is an independent software provider and is not affiliated with, endorsed by or acting on behalf of AMLA, any national supervisor or any government body. Read what we do and what stays your responsibility