Financial Crime World

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Assessing Anti-Money Laundering (AML) and Combating the Financing of Terrorism (CFT) Systems

Sanctions and Effectiveness

Sanctions, such as written warnings or fines, can be an effective way to ensure future compliance by a sanctioned institution and deter non-compliance by others. To assess the effectiveness of sanctions, consider the following:

  • International Cooperation: The country’s ability and willingness to engage in international cooperation may impact other recommendations and outcomes.
  • Draft Legislation and Proposals: Assessors should only consider laws and regulations that are in force by the end of the on-site visit.

Technical Compliance

Technical Compliance Component

The technical compliance component refers to the implementation of specific requirements of the Financial Action Task Force (FATF) Recommendations, including laws, regulations, and competent authorities. This does not include effectiveness standards, which are assessed separately through the effectiveness component.

Implementing FATF Standards

Countries can implement FATF Standards in a manner consistent with their national legislative and institutional systems, even if methods differ.

Methodology

The methodology involves assessing technical compliance with FATF Recommendations and the effectiveness of AML/CFT systems. Assessors should consider:

  • Technical Compliance: Implementation of specific requirements of FATF Recommendations
  • Effectiveness: Standards related to combating money laundering and terrorist financing
  • International Cooperation: Country’s ability and willingness to engage in international cooperation

Compliance Ratings

Assessors can rate countries as:

  • Compliant: Fully compliant with the standards.
  • Largely Compliant: Generally compliant, but with some minor issues.
  • Partially Compliant: Not fully compliant, with significant issues.
  • Non-Compliant: Not compliant with the standards.

In exceptional circumstances, a recommendation may be rated as “not applicable”.