Anti-Financial Crime Consulting and Advisory ¦ Luxembourg
Practical Anti-Financial Crime (AFC) consulting for the Luxembourg market: regulator-ready frameworks, governance, oversight, and inspection support aligned with CSSF, AED and EU AML expectations.
The following information is provided for general informational purposes and does not form part of our editorial content. It relates to our professional services in Financial Crime.
The services described are provided by
concilio et labore GmbH,
which was founded by Bastian Schwind-Wagner. Bastian is a Certified Anti-Financial Crime Professional (CAFCP), a qualification validated by TU Dublin.
Overview
Specialist anti-financial crime consulting in Luxembourg for investment fund managers, management companies, funds, AIFMs, RAIFs and other financial and corporate entities – anti-money laundering (AML), countering the financing of terrorism (CFT), countering proliferation financing (CPF), restrictive measures (sanctions), KYC/CDD, transaction monitoring and regulatory readiness.
Why choose our anti-financial crime consulting in Luxembourg?
- Deep local knowledge: experts with direct experience of CSSF inspections, market insights, AMLD transpositions and Luxembourg law.
- Practical, risk-based solutions tailored to Luxembourg financial center standards and cross-border operations to identify, assess, manage and mitigate financial crime risks.
- Integrated services: policy design, procedures implementation, independent testing and staff training.
Our anti-financial crime services
AML program design & remediation
Develop and remediate operational AML programs aligned with CSSF and AED expectations, as well as, EU AML requirements: risk appetite statements, risk assessments, governance, policies & procedures, customer due diligence (CDD/KYC) and enhanced due diligence (EDD).
Sanctions & watchlist screening
Implement sanctions controls and screening workflows for UN, EU lists and national measures, including sanctions risk assessments, real-time/near-time screening rules, false-positive tuning and escalation procedures tailored to Luxembourg operations.
Transaction monitoring & FIU reporting
Design transaction monitoring scenarios, tune detection thresholds and document SAR/STR reporting processes to meet Cellule de Renseignement Financier (CRF) / Luxembourg Financial Intelligence Unit (FIU) expectations and cross-border reporting obligations.
Independent reviews & regulatory readiness
Conduct independent AML/CTF reviews, mock CSSF inspections and remediation roadmaps to prepare organisations for regulatory examinations and to demonstrate compliance to auditors and boards.
Technology & vendor selection
Advisory regarding services and solutions to support the technology-enabled fight against money laundering, AML technology procurement, including PEP screening, KYC automation, transaction monitoring platforms and integration with core systems – with a focus on scalability and ROI for Luxembourg entities.
Training & culture
Deliver role-based AML, sanctions and KYC training for front-office, compliance and senior management with local relevance and to improve effectiveness.
Our approach to anti-financial crime consulting
- Assess: comprehensive AML and sanctions risk assessment and risk management tailored to your Luxembourg footprint.
- Design: pragmatic policies and procedures, governance and controls mapped to CSSF, AED and CRF guidance, as well as, EU AML framework.
- Implement: project-managed roll-out of people, processes and technology with clear KPIs and SLAs.
- Test & improve: independent testing, tuning and board-level reporting to ensure continuous improvement.
- Effectiveness and efficiency: strategic and holistic implementation regulatory requirements regarding anti financial crime operations, onboarding, identification and verification, control structures, risk exposure, risk factors, emerging risks, suspected money laundering, transparency, misconduct and crisis management.
Expertise & credentials
We maintain up-to-date knowledge of Luxembourg legislation in the financial sector, AMLD transposition and EU sanctions regimes. Certifications include CAFCP (Certified Anti-Financial Crime Professional, validated by TU Dublin), and professional qualifications in compliance and data privacy.
Frequently Asked Questions (FAQ)
What regulations apply in Luxembourg?
Key regulations include Luxembourg AML laws (law of 12 November 2004, as amended, et al.), CSSF and AED circulars, and EU AML Directives (AMLD). Sanctions derive from EU, UN lists and national measures. We help clients interpret and apply these requirements in the fight against AML, CTF and other financial crimes.
How long does an AML, CFT remediation project take?
Typical remediation projects range from 3 to 15 months depending on scope, with rapid risk-mitigation options available for urgent CSSF findings.
Do you support interaction with regulators and supervisory authorities?
Yes, our consulting and advisory services include supporting financial institutions in communicating and exchanging information with the regulator, especially with regard to financial crime issues. This helps to mitigate the risk of a penalty.
How does this service fit within the broader AFC offering?
Anti Financial Crime consulting in Luxembourg often spans multiple areas, including AML/CFT/CPF compliance, KYC & CDD services, transaction monitoring, sanctions compliance, and anti-financial crime framework. Our consulting services are closely integrated with these specialised areas, which are covered on dedicated service pages within our Anti-Financial Crime offering.
Get Started today
If you are reviewing your Anti-Financial Crime framework, responding to supervisory feedback, or seeking targeted advisory support in Luxembourg for optimization or investigation, a structured and proportionate approach is essential. Contact us for a tailored assessment and support.
✒Send us a message and we’ll get back to you.
✉E-mail us at e-mail@cetl.lu.
Rest assured, your query is important to us and we will respond shortly.
☏You can also contact Bastian on +49 171 5356474. If he is unable to answer your call immediately, he will call you back.
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