{"id":10908,"date":"2026-03-12T11:41:19","date_gmt":"2026-03-12T11:41:19","guid":{"rendered":"https:\/\/www.amlcc.com\/?p=10908"},"modified":"2026-05-01T12:03:22","modified_gmt":"2026-05-01T12:03:22","slug":"what-should-aml-training-include","status":"publish","type":"post","link":"https:\/\/www.amlcc.com\/mf\/what-should-aml-training-include\/","title":{"rendered":"What should AML training include?"},"content":{"rendered":"\n<div class=\"wp-block-uagb-container uagb-block-8cdf7575 alignfull uagb-is-root-container\"><div class=\"uagb-container-inner-blocks-wrap\"><h1 style=\"margin-top:0;margin-bottom:0\" class=\"wp-block-post-title\">What should AML training include?<\/h1>\n\n\n<div class=\"wp-block-uagb-info-box uagb-block-4293da6b uagb-infobox__content-wrap  uagb-infobox-icon-left-title uagb-infobox-left uagb-infobox-image-valign-middle\"><div class=\"uagb-ifb-content\"><div class=\"uagb-ifb-left-title-image\"><div class=\"uagb-ifb-image-content\"><img decoding=\"async\" src=\"https:\/\/www.amlcc.com\/wp-content\/uploads\/2024\/08\/Lisa-Simms-AMLCC-Consult-1024x1024.png\" alt=\"Lisa Simms\" width=\"80\" height=\"80\" loading=\"lazy\"\/><\/div><div class=\"uagb-ifb-title-wrap\"><span class=\"uagb-ifb-title-prefix\">Lisa Simms<\/span><h3 class=\"uagb-ifb-title\">Director and Founder of AMLCC and AMLCC Consult<\/h3><\/div><\/div><\/div><\/div>\n\n\n<figure style=\"aspect-ratio:16\/9;height:480px\" class=\"wp-block-post-featured-image\"><img loading=\"lazy\" decoding=\"async\" width=\"2560\" height=\"1707\" src=\"https:\/\/www.amlcc.com\/wp-content\/uploads\/2026\/03\/centre-for-ageing-better-XH8chLuj02g-unsplash-scaled.jpg\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"What should AML training include?\" style=\"width:100%;height:100%;object-fit:cover;\" srcset=\"https:\/\/www.amlcc.com\/wp-content\/uploads\/2026\/03\/centre-for-ageing-better-XH8chLuj02g-unsplash-scaled.jpg 2560w, https:\/\/www.amlcc.com\/wp-content\/uploads\/2026\/03\/centre-for-ageing-better-XH8chLuj02g-unsplash-300x200.jpg 300w, https:\/\/www.amlcc.com\/wp-content\/uploads\/2026\/03\/centre-for-ageing-better-XH8chLuj02g-unsplash-1024x683.jpg 1024w, https:\/\/www.amlcc.com\/wp-content\/uploads\/2026\/03\/centre-for-ageing-better-XH8chLuj02g-unsplash-768x512.jpg 768w, https:\/\/www.amlcc.com\/wp-content\/uploads\/2026\/03\/centre-for-ageing-better-XH8chLuj02g-unsplash-1536x1024.jpg 1536w, https:\/\/www.amlcc.com\/wp-content\/uploads\/2026\/03\/centre-for-ageing-better-XH8chLuj02g-unsplash-2048x1365.jpg 2048w\" sizes=\"auto, (max-width: 2560px) 100vw, 2560px\" \/><\/figure><\/div><\/div>\n\n\n\n<div class=\"wp-block-uagb-container uagb-block-f4715dae alignfull uagb-is-root-container\"><div class=\"uagb-container-inner-blocks-wrap\">\n<div class=\"wp-block-uagb-container uagb-block-f9c6201f\">\n<p class=\"wp-block-paragraph\">AML training isn\u2019t just a regulatory formality. Under UK law, it\u2019s a legal requirement designed to ensure that staff can recognise and respond to money laundering, terrorist financing and proliferation financing risks. The primary purpose is to equip staff with the appropriate knowledge and understanding to make comprehensive internal SAR reports whenever the need arises.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The expectation comes from two places. First, the global standards set by FATF (the Financial Action Task Force). Second, the Money Laundering Regulations 2017 (as amended), which embed those standards into domestic law.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If you\u2019re regulated for AML, your training programme should reflect both.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong><strong><strong><strong>The legal basis for AML training in the UK<\/strong><\/strong><\/strong><\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Regulation 24 of the&nbsp;<a href=\"https:\/\/www.amlcc.com\/what-are-the-uks-money-laundering-regulations-2017\/\">Money Laundering Regulations 2017<\/a>&nbsp;(as amended) (MLRs) requires relevant persons to take appropriate measures so that employees:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>are aware of the law relating to&nbsp;<a href=\"https:\/\/www.amlcc.com\/what-is-money-laundering\/\">money laundering<\/a>,&nbsp;<a href=\"https:\/\/www.amlcc.com\/what-is-terrorist-financing\/\">terrorist financing<\/a>&nbsp;and&nbsp;<a href=\"https:\/\/www.amlcc.com\/what-is-proliferation-financing\/\">proliferation financing<\/a>;<\/li>\n\n\n\n<li>are regularly given training in how to recognise and deal with transactions and activities which may be related to those risks.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">This applies across regulated sectors, including accountancy, legal services, TCSPs, estate agencies and high-value dealers.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The requirement links directly to the&nbsp;<a href=\"https:\/\/www.amlcc.com\/what-is-a-risk-based-approach\/\">risk-based approach<\/a>&nbsp;set out in Regulation 18. Staff must understand the risks your business faces in order to apply proportionate controls.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Understanding the risk landscape<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/www.amlcc.com\/what-is-fatf\/\">FATF<\/a>&nbsp;makes clear that effective AML frameworks depend on awareness and understanding of risk. Training should therefore answer questions such as:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>What is money laundering and how does it work in practice?<\/li>\n\n\n\n<li>How does terrorist financing differ from money laundering?<\/li>\n\n\n\n<li>What does proliferation financing mean and why does it matter?<\/li>\n\n\n\n<li>How do&nbsp;criminals exploit professional services?<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">This should go beyond textbook definitions and link national risk themes, such as those identified in the UK\u2019s&nbsp;<a href=\"https:\/\/www.amlcc.com\/whats-the-uks-national-risk-assessment\/\">National Risk Assessment<\/a>&nbsp;(NRA), to the reality of your own client base. For example:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Accountants<\/strong>&nbsp;may encounter false invoicing, manipulation of accounts or unexplained movements of funds that do not align with the client\u2019s stated activity.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Legal&nbsp;professionals<\/strong> may see misuse of client accounts, complex ownership arrangements or transactions that lack a clear economic purpose.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Property&nbsp;businesses<\/strong> may encounter opaque corporate buyers, unusual funding routes or rapid resales that do not reflect normal market behaviour.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>High-value dealers<\/strong>&nbsp;may see large cash payments, third-party funding or high-value goods purchased through layered corporate structures with limited commercial rationale.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>TCSPs<\/strong>&nbsp;may encounter complex company and trust layering, nominee directors or shareholders, or frequent changes in ownership designed to obscure ultimate control.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong><strong><strong>Legal duties under POCA and the MLRs<\/strong><\/strong><\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Staff should understand their legal responsibilities and how those responsibilities apply in day-to-day work, including:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>the definition of criminal property under the&nbsp;<a href=\"https:\/\/www.amlcc.com\/whats-the-proceeds-of-crime-act-2002\/\">Proceeds of Crime Act 2002<\/a>&nbsp;(POCA);<\/li>\n\n\n\n<li>the principal money laundering offences;<\/li>\n\n\n\n<li>the obligation to report suspicion internally;<\/li>\n\n\n\n<li>the role of the&nbsp;<a href=\"https:\/\/www.amlcc.com\/what-is-the-role-of-the-mlro\/\">MLRO<\/a>;<\/li>\n\n\n\n<li>the prohibition on&nbsp;<a href=\"https:\/\/www.amlcc.com\/what-is-tipping-off\/\">tipping off<\/a>.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Employees don\u2019t need to memorise legislation but they must understand when suspicion arises and what to do next.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">It should also explain that terrorist financing offences can arise even where funds are from legitimate sources. That distinction is often misunderstood and is central to effective training.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Customer due diligence and beneficial ownership<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">AML training should explain how a business should apply customer&nbsp;<a href=\"https:\/\/www.amlcc.com\/what-is-standard-due-diligence\/\">due diligence<\/a>&nbsp;in practice. This includes:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>identifying and verifying clients;<\/li>\n\n\n\n<li>understanding&nbsp;<a href=\"https:\/\/www.amlcc.com\/whats-a-beneficial-owner\/\">beneficial ownership<\/a>;<\/li>\n\n\n\n<li>assessing ownership and control structures;<\/li>\n\n\n\n<li>completing comprehensive client risk assessments<\/li>\n\n\n\n<li>applying&nbsp;<a href=\"https:\/\/www.amlcc.com\/what-is-enhanced-due-diligence\/\">enhanced due diligence<\/a>&nbsp;where required.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Staff should understand the difference between identification and verification, and when enhanced measures are triggered.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Training should explain&nbsp;<a href=\"https:\/\/www.amlcc.com\/whats-a-layered-ownership-structure\/\">layered ownership<\/a>&nbsp;structures,&nbsp;<a href=\"https:\/\/www.amlcc.com\/whats-a-high-risk-jurisdiction-2\/\">high-risk jurisdictions<\/a>&nbsp;and&nbsp;<a href=\"https:\/\/www.amlcc.com\/whats-a-pep\/\">politically exposed persons<\/a>&nbsp;(PEPs), amongst other important areas of risk.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Sanctions and proliferation financing<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">UK AML obligations explicitly include proliferation financing risk. Where your business has international exposure, this element becomes particularly important. Training should therefore address:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>financial sanctions regimes and proliferation financing risk areas;<\/li>\n\n\n\n<li>how sanctions screening works;<\/li>\n\n\n\n<li>what to do if a potential match arises;<\/li>\n\n\n\n<li>the requirement to freeze assets and report where appropriate.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Sanctions breaches operate differently from suspicion-based offences and staff must understand that distinction.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Recognising red flags<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Effective AML training is practical. It should include sector-specific indicators such as:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>unusual or unexplained source of funds;<\/li>\n\n\n\n<li>clients reluctant to provide information;<\/li>\n\n\n\n<li>transactions lacking economic rationale;<\/li>\n\n\n\n<li>frequent changes to ownership structures;<\/li>\n\n\n\n<li>requests to move funds quickly without clear purpose.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Red flags should always be framed within the risk-based approach. No single indicator proves wrongdoing. The issue is context and cumulative risk.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Internal reporting and escalation<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Remember that your PCPs should be written as an additional AML training aid for all employees and they must explain all your business\u2019s AML policies, controls and procedures including the internal reporting process clearly. Staff should know:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>who your MLRO is;<\/li>\n\n\n\n<li>how to make an&nbsp;internal&nbsp;escalation report;<\/li>\n\n\n\n<li>what information to include;<\/li>\n\n\n\n<li>that they are protected when reporting in good faith;<\/li>\n\n\n\n<li>that they must not alert the client.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Training should also clarify how a&nbsp;<a href=\"https:\/\/www.amlcc.com\/what-needs-to-be-in-a-sar\/\">Suspicious Activity Report<\/a>&nbsp;(SAR) is submitted to the UKFIU and when a&nbsp;<a href=\"https:\/\/www.amlcc.com\/whats-a-daml\/\">Defence Against Money Laundering<\/a>&nbsp;(DAML) may be relevant.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Ongoing and role-specific training<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Regulation 24 requires training to be regular. One-off induction sessions are not sufficient.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">FATF emphasises that AML frameworks must evolve as risk evolves. Training should therefore be refreshed:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>when legislation changes;<\/li>\n\n\n\n<li>when new risks are identified;<\/li>\n\n\n\n<li>when your business model changes;<\/li>\n\n\n\n<li>after regulatory findings or feedback from inspections<\/li>\n\n\n\n<li>annually if no other trigger has occurred in the time period.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Training should also be proportionate to role. For example, front-line staff need to recognise red flags but&nbsp;MLROs&nbsp;also require deeper technical knowledge.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Documentation and evidence<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Supervisors expect evidence that training has been delivered and understood. Your business should be able to show:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>training content;<\/li>\n\n\n\n<li>dates completed;<\/li>\n\n\n\n<li>assessment results where relevant;<\/li>\n\n\n\n<li>refresher schedules.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">This links directly to demonstrating a compliance culture rather than a tick-box exercise.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">AMLCC\u2019s structured&nbsp;<a href=\"https:\/\/www.amlcc.com\/product-features\/training\/\">Training<\/a>&nbsp;is designed to reflect UK legislative requirements and evolving risk themes, with completion records and assessments built directly into your AML dashboard. That way, training remains current, documented and aligned with your overall risk-based approach.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Final thoughts<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">AML training should equip staff to understand risk, recognise red flags and act confidently within your internal framework. UK legislation requires awareness of money laundering, terrorist financing and proliferation financing law, supported by regular, proportionate training.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">When training is aligned with your business\u2019s actual risk profile and embedded within your wider AML controls, it becomes part of how your business operates rather than an annual requirement to complete and file away.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<div class=\"wp-block-uagb-info-box uagb-block-7e2f0fec uagb-infobox__content-wrap  uagb-infobox-icon-above-title uagb-infobox-image-valign-top has-ast-global-color-4-background-color\"><div class=\"uagb-ifb-content\"><div class=\"uagb-ifb-title-wrap\"><\/div><p class=\"uagb-ifb-desc\"><strong>Explore how AMLCC&#8217;s features can keep your business completely compliant<\/strong><\/p><div class=\"uagb-ifb-button-wrapper wp-block-button\"><a href=\"https:\/\/www.amlcc.com\/product-features\/training\/\" class=\"uagb-infobox-cta-link wp-block-button__link\" target=\"_self\" rel=\"noopener noreferrer\" onclick=\"return true;\"><span class=\"uagb-inline-editing\">Learn more<\/span><\/a><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-uagb-container article-cta uag-hide-desktop uagb-block-f6be450a\">\n<div class=\"wp-block-uagb-advanced-heading uagb-block-69b8c097\"><h3 class=\"uagb-heading-text\">The one-stop AML solution<\/h3><\/div>\n\n\n\n<p class=\"has-ast-global-color-6-color has-text-color has-link-color wp-elements-ebdcd75c82448b1b24200aa26878c3fb wp-block-paragraph\" style=\"margin-top:0px;margin-bottom:0px;font-size:20px;line-height:1.3\">Educate your teams, improve efficiency and achieve AML compliance all in one place, using AMLCC.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-container-core-buttons-is-layout-2 wp-block-buttons-is-layout-flex\" style=\"justify-content: center;\">\n<div class=\"wp-block-button is-style-fill\"><a href=\"\" class=\"wp-block-button__link wp-element-button demo-secondary\" onclick=\"Calendly.initPopupWidget({url: 'https:\/\/calendly.com\/lisa-jco\/amlcc-demo?hide_gdpr_banner=1&#038;primary_color=ff4f5b'});return false;\">Book now<\/a><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-uagb-container uag-hide-desktop uagb-block-c5c14d25\">\n<div class=\"wp-block-uagb-advanced-heading uagb-block-a787415a\"><h3 class=\"uagb-heading-text\">We know AML<\/h3><\/div>\n\n\n\n<p class=\"has-ast-global-color-6-color has-text-color has-link-color wp-elements-b9d9651e7d805b3930e06c1a2fdeee6c wp-block-paragraph\" style=\"margin-top:0px;margin-bottom:0px;font-size:20px;line-height:1.3\">We\u2019re regulated professionals too. We know what you need to comply with the Regulations.<br><\/p>\n\n\n\n<div class=\"wp-block-uagb-icon-list uagb-block-cffcf54f\"><div class=\"uagb-icon-list__wrap\">\n<div class=\"wp-block-uagb-icon-list-child uagb-block-082e00ee\"><span class=\"uagb-icon-list__source-wrap\"><svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 512 512\"><path d=\"M0 256C0 114.6 114.6 0 256 0C397.4 0 512 114.6 512 256C512 397.4 397.4 512 256 512C114.6 512 0 397.4 0 256zM371.8 211.8C382.7 200.9 382.7 183.1 371.8 172.2C360.9 161.3 343.1 161.3 332.2 172.2L224 280.4L179.8 236.2C168.9 225.3 151.1 225.3 140.2 236.2C129.3 247.1 129.3 264.9 140.2 275.8L204.2 339.8C215.1 350.7 232.9 350.7 243.8 339.8L371.8 211.8z\"><\/path><\/svg><\/span><span class=\"uagb-icon-list__label\">We\u2019re internationally recognised AML experts<\/span><\/div>\n\n\n\n<div class=\"wp-block-uagb-icon-list-child uagb-block-ebce1a01\"><span class=\"uagb-icon-list__source-wrap\"><svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 512 512\"><path d=\"M0 256C0 114.6 114.6 0 256 0C397.4 0 512 114.6 512 256C512 397.4 397.4 512 256 512C114.6 512 0 397.4 0 256zM371.8 211.8C382.7 200.9 382.7 183.1 371.8 172.2C360.9 161.3 343.1 161.3 332.2 172.2L224 280.4L179.8 236.2C168.9 225.3 151.1 225.3 140.2 236.2C129.3 247.1 129.3 264.9 140.2 275.8L204.2 339.8C215.1 350.7 232.9 350.7 243.8 339.8L371.8 211.8z\"><\/path><\/svg><\/span><span class=\"uagb-icon-list__label\">We work with most accountancy supervisors and the Law Society<\/span><\/div>\n\n\n\n<div class=\"wp-block-uagb-icon-list-child uagb-block-352e4894\"><span class=\"uagb-icon-list__source-wrap\"><svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 512 512\"><path d=\"M0 256C0 114.6 114.6 0 256 0C397.4 0 512 114.6 512 256C512 397.4 397.4 512 256 512C114.6 512 0 397.4 0 256zM371.8 211.8C382.7 200.9 382.7 183.1 371.8 172.2C360.9 161.3 343.1 161.3 332.2 172.2L224 280.4L179.8 236.2C168.9 225.3 151.1 225.3 140.2 236.2C129.3 247.1 129.3 264.9 140.2 275.8L204.2 339.8C215.1 350.7 232.9 350.7 243.8 339.8L371.8 211.8z\"><\/path><\/svg><\/span><span class=\"uagb-icon-list__label\">Bespoke AML consultancy available for all sectors<\/span><\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-uagb-buttons uagb-buttons__outer-wrap uagb-btn__default-btn uagb-btn-tablet__default-btn uagb-btn-mobile__default-btn uagb-block-fc153394\"><div class=\"uagb-buttons__wrap uagb-buttons-layout-wrap \">\n<div class=\"wp-block-uagb-buttons-child uagb-buttons__outer-wrap uagb-block-79a4148c wp-block-button\"><div class=\"uagb-button__wrapper\"><a class=\"uagb-buttons-repeater wp-block-button__link\" aria-label=\"\" href=\"https:\/\/www.amlcc.com\/consult\/\" rel=\"follow noopener\" target=\"_self\" role=\"button\"><div class=\"uagb-button__link\">Find out more<\/div><\/a><\/div><\/div>\n<\/div><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-uagb-container uagb-block-99e38104\">\t\t\t\t<div class=\"wp-block-uagb-table-of-contents uagb-toc__align-left uagb-toc__columns-1  uagb-block-1daea5fd article-toc     \"\n\t\t\t\t\tdata-scroll= \"1\"\n\t\t\t\t\tdata-offset= \"30\"\n\t\t\t\t\tstyle=\"\"\n\t\t\t\t>\n\t\t\t\t<div class=\"uagb-toc__wrap\">\n\t\t\t\t\t\t<div class=\"uagb-toc__title\">\n\t\t\t\t\t\t\tJump to:\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"uagb-toc__list-wrap \">\n\t\t\t\t\t\t<ol class=\"uagb-toc__list\"><li class=\"uagb-toc__list\"><a href=\"#the-legal-basis-for-aml-training-in-the-uk\" class=\"uagb-toc-link__trigger\">The legal basis for AML training in the UK<\/a><li class=\"uagb-toc__list\"><a href=\"#understanding-the-risk-landscape\" class=\"uagb-toc-link__trigger\">Understanding the risk landscape<\/a><li class=\"uagb-toc__list\"><a href=\"#legal-duties-under-poca-and-the-mlrs\" class=\"uagb-toc-link__trigger\">Legal duties under POCA and the MLRs<\/a><li class=\"uagb-toc__list\"><a href=\"#customer-due-diligence-and-beneficial-ownership\" class=\"uagb-toc-link__trigger\">Customer due diligence and beneficial ownership<\/a><li class=\"uagb-toc__list\"><a href=\"#sanctions-and-proliferation-financing\" class=\"uagb-toc-link__trigger\">Sanctions and proliferation financing<\/a><li class=\"uagb-toc__list\"><a href=\"#recognising-red-flags\" class=\"uagb-toc-link__trigger\">Recognising red flags<\/a><li class=\"uagb-toc__list\"><a href=\"#internal-reporting-and-escalation\" class=\"uagb-toc-link__trigger\">Internal reporting and escalation<\/a><li class=\"uagb-toc__list\"><a href=\"#ongoing-and-role-specific-training\" class=\"uagb-toc-link__trigger\">Ongoing and role-specific training<\/a><li class=\"uagb-toc__list\"><a href=\"#documentation-and-evidence\" class=\"uagb-toc-link__trigger\">Documentation and evidence<\/a><li class=\"uagb-toc__list\"><a href=\"#final-thoughts\" class=\"uagb-toc-link__trigger\">Final thoughts<\/a><\/ol>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\n\n\n<div class=\"wp-block-uagb-container article-cta uag-hide-tab uag-hide-mob uagb-block-9b41d3fe\">\n<div class=\"wp-block-uagb-advanced-heading uagb-block-28078d4a\"><h3 class=\"uagb-heading-text\">The one-stop AML solution<\/h3><\/div>\n\n\n\n<p class=\"has-ast-global-color-6-color has-text-color has-link-color wp-elements-5d272eb52ee2429e4d9aca3147f023ba wp-block-paragraph\" style=\"margin-top:0px;margin-bottom:0px;font-size:20px;line-height:1.3\">Educate your teams, improve efficiency and achieve AML compliance all in one place, using AMLCC. <\/p>\n\n\n\n<p class=\"has-ast-global-color-6-color has-text-color has-link-color wp-elements-1d59a108b13f9b62392e8e9a08c592ee wp-block-paragraph\" style=\"margin-top:0px;margin-bottom:0px;font-size:20px;line-height:1.3\">Talk to our experts about how we can help you secure your business.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-container-core-buttons-is-layout-2 wp-block-buttons-is-layout-flex\" style=\"justify-content: center;\">\n<div class=\"wp-block-button is-style-fill\"><a href=\"\" class=\"wp-block-button__link wp-element-button demo-secondary\" onclick=\"Calendly.initPopupWidget({url: 'https:\/\/calendly.com\/lisa-jco\/amlcc-demo?hide_gdpr_banner=1&#038;primary_color=ff4f5b'});return false;\">Book a demo<\/a><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"uagb-position__sticky wp-block-uagb-container uag-hide-tab uag-hide-mob uagb-block-353bcb12\">\n<div class=\"wp-block-uagb-advanced-heading uagb-block-45cdaeb7\"><h3 class=\"uagb-heading-text\">We know AML<\/h3><\/div>\n\n\n\n<p class=\"has-ast-global-color-6-color has-text-color has-link-color wp-elements-b9d9651e7d805b3930e06c1a2fdeee6c wp-block-paragraph\" style=\"margin-top:0px;margin-bottom:0px;font-size:20px;line-height:1.3\">We\u2019re regulated professionals too. We know what you need to comply with the Regulations.<br><\/p>\n\n\n\n<div class=\"wp-block-uagb-icon-list uagb-block-b41f0db0\"><div class=\"uagb-icon-list__wrap\">\n<div class=\"wp-block-uagb-icon-list-child uagb-block-333d0a11\"><span class=\"uagb-icon-list__source-wrap\"><svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 512 512\"><path d=\"M0 256C0 114.6 114.6 0 256 0C397.4 0 512 114.6 512 256C512 397.4 397.4 512 256 512C114.6 512 0 397.4 0 256zM371.8 211.8C382.7 200.9 382.7 183.1 371.8 172.2C360.9 161.3 343.1 161.3 332.2 172.2L224 280.4L179.8 236.2C168.9 225.3 151.1 225.3 140.2 236.2C129.3 247.1 129.3 264.9 140.2 275.8L204.2 339.8C215.1 350.7 232.9 350.7 243.8 339.8L371.8 211.8z\"><\/path><\/svg><\/span><span class=\"uagb-icon-list__label\">We\u2019re internationally recognised AML experts<\/span><\/div>\n\n\n\n<div class=\"wp-block-uagb-icon-list-child uagb-block-b485c460\"><span class=\"uagb-icon-list__source-wrap\"><svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 512 512\"><path d=\"M0 256C0 114.6 114.6 0 256 0C397.4 0 512 114.6 512 256C512 397.4 397.4 512 256 512C114.6 512 0 397.4 0 256zM371.8 211.8C382.7 200.9 382.7 183.1 371.8 172.2C360.9 161.3 343.1 161.3 332.2 172.2L224 280.4L179.8 236.2C168.9 225.3 151.1 225.3 140.2 236.2C129.3 247.1 129.3 264.9 140.2 275.8L204.2 339.8C215.1 350.7 232.9 350.7 243.8 339.8L371.8 211.8z\"><\/path><\/svg><\/span><span class=\"uagb-icon-list__label\">We work with most accountancy supervisors and the Law Society<\/span><\/div>\n\n\n\n<div class=\"wp-block-uagb-icon-list-child uagb-block-c0d2ec75\"><span class=\"uagb-icon-list__source-wrap\"><svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 512 512\"><path d=\"M0 256C0 114.6 114.6 0 256 0C397.4 0 512 114.6 512 256C512 397.4 397.4 512 256 512C114.6 512 0 397.4 0 256zM371.8 211.8C382.7 200.9 382.7 183.1 371.8 172.2C360.9 161.3 343.1 161.3 332.2 172.2L224 280.4L179.8 236.2C168.9 225.3 151.1 225.3 140.2 236.2C129.3 247.1 129.3 264.9 140.2 275.8L204.2 339.8C215.1 350.7 232.9 350.7 243.8 339.8L371.8 211.8z\"><\/path><\/svg><\/span><span class=\"uagb-icon-list__label\">Bespoke AML consultancy available for all sectors<\/span><\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-uagb-buttons uagb-buttons__outer-wrap uagb-btn__default-btn uagb-btn-tablet__default-btn uagb-btn-mobile__default-btn uagb-block-27986e97\"><div class=\"uagb-buttons__wrap uagb-buttons-layout-wrap \">\n<div class=\"wp-block-uagb-buttons-child uagb-buttons__outer-wrap uagb-block-5e096d1b wp-block-button\"><div class=\"uagb-button__wrapper\"><a class=\"uagb-buttons-repeater wp-block-button__link\" aria-label=\"\" href=\"https:\/\/www.amlcc.com\/consult\/\" rel=\"follow noopener\" target=\"_self\" role=\"button\"><div class=\"uagb-button__link\">Find out more<\/div><\/a><\/div><\/div>\n<\/div><\/div>\n<\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-uagb-container half-blue-desktop uagb-block-89ea4904 alignfull uagb-is-root-container\">\n<div class=\"wp-block-uagb-container uagb-block-fdab8534\">\n<div class=\"wp-block-uagb-advanced-heading uagb-block-52a83ed5\"><h3 class=\"uagb-heading-text\">What others have said<\/h3><\/div>\n\n\n\n<div class=\"wp-block-uagb-slider amlcc-testimonial-slider uagb-block-6c68dd50 uagb-slider-container\"><div class=\"uagb-slides uagb-swiper\"><div class=\"swiper-wrapper\">\n<div class=\"wp-block-uagb-slider-child uagb-slider-child-wrap swiper-slide uagb-block-b998a2d4\"><div class=\"swiper-content\">\n<div class=\"wp-block-uagb-container uagb-block-04f3c45e\">\n<div class=\"wp-block-uagb-container uagb-block-02c01de1\">\n<div class=\"wp-block-uagb-advanced-heading uagb-block-b215507c\"><h3 class=\"uagb-heading-text\">&#8220;We had the man from the ICAEW here yesterday to carry out a QAD practice review. We got a clean bill of health \u2013 not a single action point\u2026That is in no small measure due to AMLCC so I just wanted to say \u2018thank you\u2019&#8221;<\/h3><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-uagb-container uagb-block-949a56df\">\n<figure class=\"wp-block-image aligncenter size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"550\" height=\"812\" src=\"https:\/\/www.amlcc.com\/wp-content\/uploads\/2023\/11\/testimonial-1.jpg\" alt=\"\" class=\"wp-image-495\" style=\"aspect-ratio:3\/4;object-fit:contain;width:auto;height:382px\" srcset=\"https:\/\/www.amlcc.com\/wp-content\/uploads\/2023\/11\/testimonial-1.jpg 550w, https:\/\/www.amlcc.com\/wp-content\/uploads\/2023\/11\/testimonial-1-203x300.jpg 203w\" sizes=\"auto, (max-width: 550px) 100vw, 550px\" \/><\/figure>\n<\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-uagb-slider-child uagb-slider-child-wrap swiper-slide uagb-block-cc23ebfe\"><div class=\"swiper-content\">\n<div class=\"wp-block-uagb-container uagb-block-af8628f6\">\n<div class=\"wp-block-uagb-container uagb-block-9e1b5830\">\n<div class=\"wp-block-uagb-advanced-heading uagb-block-bdd14157\"><h3 class=\"uagb-heading-text\">&#8220;Thank you for such a perfect and informative [solution]. You have given me a clear direction for my AML training and CPD.&#8221;<br><\/h3><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-uagb-container uagb-block-ef336e36\">\n<figure class=\"wp-block-image aligncenter size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"550\" height=\"786\" src=\"https:\/\/www.amlcc.com\/wp-content\/uploads\/2023\/11\/testimonial-2.jpg\" alt=\"\" class=\"wp-image-496\" style=\"aspect-ratio:3\/4;object-fit:contain;width:auto;height:382px\" srcset=\"https:\/\/www.amlcc.com\/wp-content\/uploads\/2023\/11\/testimonial-2.jpg 550w, https:\/\/www.amlcc.com\/wp-content\/uploads\/2023\/11\/testimonial-2-210x300.jpg 210w\" sizes=\"auto, (max-width: 550px) 100vw, 550px\" \/><\/figure>\n<\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-uagb-slider-child uagb-slider-child-wrap swiper-slide uagb-block-040a7367\"><div class=\"swiper-content\">\n<div class=\"wp-block-uagb-container uagb-block-3b2e0080\">\n<div class=\"wp-block-uagb-container uagb-block-64ce7dad\">\n<div class=\"wp-block-uagb-advanced-heading uagb-block-3d47ccc6\"><h3 class=\"uagb-heading-text\">&#8220;I just wanted to say \u2018thank you\u2019 to you, Richard, and all the team at AMLCC for providing a service that really does minimise the burden of AML compliance.&#8221;<br><\/h3><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-uagb-container uagb-block-e1d755c8\">\n<figure class=\"wp-block-image aligncenter size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"550\" height=\"732\" src=\"https:\/\/www.amlcc.com\/wp-content\/uploads\/2023\/11\/testimonial-3.jpg\" alt=\"\" class=\"wp-image-494\" style=\"aspect-ratio:3\/4;object-fit:contain;width:auto;height:382px\" srcset=\"https:\/\/www.amlcc.com\/wp-content\/uploads\/2023\/11\/testimonial-3.jpg 550w, https:\/\/www.amlcc.com\/wp-content\/uploads\/2023\/11\/testimonial-3-225x300.jpg 225w\" sizes=\"auto, (max-width: 550px) 100vw, 550px\" \/><\/figure>\n<\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-uagb-slider-child uagb-slider-child-wrap swiper-slide uagb-block-403770d4\"><div class=\"swiper-content\">\n<div class=\"wp-block-uagb-container uagb-block-a0d5a66b\">\n<div class=\"wp-block-uagb-container uagb-block-a9b0dbd5\">\n<div class=\"wp-block-uagb-advanced-heading uagb-block-302585b3\"><h3 class=\"uagb-heading-text\">&#8220;What a refreshing pleasure working with a company who actually listens to the feedback from their customers and communicates with them!&#8221;<br><\/h3><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-uagb-container uagb-block-64782dba\">\n<figure class=\"wp-block-image aligncenter size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"550\" height=\"732\" src=\"https:\/\/www.amlcc.com\/wp-content\/uploads\/2023\/11\/testimonial-4.jpg\" alt=\"\" class=\"wp-image-497\" style=\"aspect-ratio:3\/4;object-fit:contain;width:auto;height:382px\" srcset=\"https:\/\/www.amlcc.com\/wp-content\/uploads\/2023\/11\/testimonial-4.jpg 550w, https:\/\/www.amlcc.com\/wp-content\/uploads\/2023\/11\/testimonial-4-225x300.jpg 225w\" sizes=\"auto, (max-width: 550px) 100vw, 550px\" \/><\/figure>\n<\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-uagb-slider-child uagb-slider-child-wrap swiper-slide uagb-block-9b9b7e36\"><div class=\"swiper-content\">\n<div class=\"wp-block-uagb-container uagb-block-3a9f75d3\">\n<div class=\"wp-block-uagb-container uagb-block-aa8435c0\">\n<div class=\"wp-block-uagb-advanced-heading uagb-block-afe45a8b\"><h3 class=\"uagb-heading-text\">&#8220;Your team they have been excellent from the moment Fiona did a demo for me with only 15 minutes notice, and thoroughly going through the AMLCC product, answering the many questions I had! It was at this point at which I made up my mind this is the sort of business I want to work with for my AML.&#8221;<br><\/h3><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-uagb-container uagb-block-8f4648c6\">\n<figure class=\"wp-block-image aligncenter size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"550\" height=\"798\" src=\"https:\/\/www.amlcc.com\/wp-content\/uploads\/2023\/11\/testimonial-5.jpg\" alt=\"\" class=\"wp-image-498\" style=\"aspect-ratio:3\/4;object-fit:contain;width:auto;height:382px\" srcset=\"https:\/\/www.amlcc.com\/wp-content\/uploads\/2023\/11\/testimonial-5.jpg 550w, https:\/\/www.amlcc.com\/wp-content\/uploads\/2023\/11\/testimonial-5-207x300.jpg 207w\" sizes=\"auto, (max-width: 550px) 100vw, 550px\" \/><\/figure>\n<\/div>\n<\/div>\n<\/div><\/div>\n<\/div><\/div><div class=\"swiper-pagination\"><\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-uagb-container uagb-block-bd594624\">\n<div class=\"wp-block-uagb-advanced-heading uagb-block-deefd48d\"><h3 class=\"uagb-heading-text\">Making compliance easier<\/h3><\/div>\n\n\n\n<div class=\"wp-block-uagb-image aligncenter uagb-block-94cd8a56 wp-block-uagb-image--layout-default wp-block-uagb-image--effect-static wp-block-uagb-image--align-center\"><figure class=\"wp-block-uagb-image__figure\"><img decoding=\"async\" srcset=\"https:\/\/www.amlcc.com\/wp-content\/uploads\/2023\/11\/image-22-1.png ,https:\/\/www.amlcc.com\/wp-content\/uploads\/2023\/11\/image-22-1.png 780w, https:\/\/www.amlcc.com\/wp-content\/uploads\/2023\/11\/image-22-1.png 360w\" sizes=\"auto, (max-width: 480px) 150px\" src=\"https:\/\/www.amlcc.com\/wp-content\/uploads\/2023\/11\/image-22-1.png\" alt=\"AMLCC newsroom\" class=\"uag-image-1454\" width=\"700\" height=\"450\" title=\"image-22-1\" loading=\"lazy\" role=\"img\"\/><\/figure><\/div>\n\n\n\n<div class=\"wp-block-uagb-buttons uagb-buttons__outer-wrap uagb-btn__default-btn uagb-btn-tablet__default-btn uagb-btn-mobile__default-btn uagb-block-d88e5ed5\"><div class=\"uagb-buttons__wrap uagb-buttons-layout-wrap \">\n<div class=\"wp-block-uagb-buttons-child uagb-buttons__outer-wrap uagb-block-762fbc5a wp-block-button\"><div class=\"uagb-button__wrapper\"><a class=\"uagb-buttons-repeater wp-block-button__link\" aria-label=\"\" href=\"\/press\/\" rel=\"follow noopener\" target=\"_self\" role=\"button\"><div class=\"uagb-button__link\">View more articles<\/div><\/a><\/div><\/div>\n<\/div><\/div>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>AML training isn\u2019t just a regulatory formality. Under UK law, it\u2019s a legal requirement designed to ensure that staff can recognise and respond to money laundering, terrorist financing and proliferation financing risks. The primary purpose is to equip staff with the appropriate knowledge and understanding to make comprehensive internal SAR reports whenever the need arises.&nbsp; [&hellip;]<\/p>\n","protected":false},"author":6,"featured_media":10909,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_uag_custom_page_level_css":"","site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"unboxed","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[1],"tags":[],"class_list":["post-10908","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>What Should AML Training Include? 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