{"id":10881,"date":"2026-02-24T09:13:33","date_gmt":"2026-02-24T09:13:33","guid":{"rendered":"https:\/\/www.amlcc.com\/?p=10881"},"modified":"2026-02-20T09:13:41","modified_gmt":"2026-02-20T09:13:41","slug":"whats-the-uks-national-risk-assessment","status":"publish","type":"post","link":"https:\/\/www.amlcc.com\/sx\/whats-the-uks-national-risk-assessment\/","title":{"rendered":"What\u2019s the UK\u2019s National Risk Assessment?"},"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\u2019s the UK\u2019s National Risk Assessment?<\/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\/09\/Richard-Simms-AMLCC-956x1024.png\" alt=\"Richard Simms\" width=\"80\" height=\"85\" loading=\"lazy\"\/><\/div><div class=\"uagb-ifb-title-wrap\"><span class=\"uagb-ifb-title-prefix\">Richard 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=\"1709\" src=\"https:\/\/www.amlcc.com\/wp-content\/uploads\/2026\/02\/christopher-di-nozzi-MBasrYZrQRo-unsplash-scaled.jpg\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"What\u2019s the UK\u2019s National Risk Assessment?\" style=\"width:100%;height:100%;object-fit:cover;\" srcset=\"https:\/\/www.amlcc.com\/wp-content\/uploads\/2026\/02\/christopher-di-nozzi-MBasrYZrQRo-unsplash-scaled.jpg 2560w, https:\/\/www.amlcc.com\/wp-content\/uploads\/2026\/02\/christopher-di-nozzi-MBasrYZrQRo-unsplash-300x200.jpg 300w, https:\/\/www.amlcc.com\/wp-content\/uploads\/2026\/02\/christopher-di-nozzi-MBasrYZrQRo-unsplash-1024x684.jpg 1024w, https:\/\/www.amlcc.com\/wp-content\/uploads\/2026\/02\/christopher-di-nozzi-MBasrYZrQRo-unsplash-768x513.jpg 768w, https:\/\/www.amlcc.com\/wp-content\/uploads\/2026\/02\/christopher-di-nozzi-MBasrYZrQRo-unsplash-1536x1025.jpg 1536w, https:\/\/www.amlcc.com\/wp-content\/uploads\/2026\/02\/christopher-di-nozzi-MBasrYZrQRo-unsplash-2048x1367.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\">The UK\u2019s National Risk Assessment, usually referred to as the NRA, is the government\u2019s official assessment of money laundering, terrorist financing and proliferation financing risk across the UK.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">It\u2019s produced by HM Treasury and updated periodically. The current version, published in 2025, sets out how the UK identifies, evaluates and understands the threats and vulnerabilities within its financial and professional services system.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">At its core, the NRA answers one question: where does the UK believe the greatest&nbsp;<a href=\"https:\/\/www.amlcc.com\/what-is-money-laundering\/\">money laundering<\/a>&nbsp;(ML),&nbsp;<a href=\"https:\/\/www.amlcc.com\/what-is-terrorist-financing\/\">terrorist financing<\/a>&nbsp;(TF) and&nbsp;<a href=\"https:\/\/www.amlcc.com\/what-is-proliferation-financing\/\">proliferation financing<\/a>&nbsp;(PF) risks sit, and why?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For regulated professionals, it forms part of the framework that underpins the UK\u2019s risk-based AML regime.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong><strong><strong><strong>What the National Risk Assessment does<\/strong><\/strong><\/strong><\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The NRA is a national-level strategic risk assessment. It is not legislation. It does not create new offences or additional regulatory obligations. Instead, it:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>assesses the scale and nature of ML, TF and PF risk in the UK;<\/li>\n\n\n\n<li>identifies sectors, services and products that are vulnerable to abuse;<\/li>\n\n\n\n<li>evaluates how criminals and terrorist financiers operate;<\/li>\n\n\n\n<li>explains systemic weaknesses or exposure points;<\/li>\n\n\n\n<li>supports the UK\u2019s compliance with international\u00a0<a href=\"https:\/\/www.amlcc.com\/what-is-fatf\/\">FATF<\/a>\u00a0standards.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">The assessment draws on intelligence, law enforcement data, supervisory insight and sector engagement. It provides a consolidated national view of ML, TF and PF risk, rather than a sector-specific rulebook.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Why the UK is required to publish it<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Under the Financial Action Task Force framework, countries must identify and understand their national risks. This requirement sits at the heart of the global risk-based approach.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The NRA is how the UK demonstrates that it has assessed those risks and is responding proportionately. It also informs:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>government policy development;<\/li>\n\n\n\n<li>legislative reform;<\/li>\n\n\n\n<li>supervisory priorities;<\/li>\n\n\n\n<li>sector guidance.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">In that sense, it shapes the direction of the UK\u2019s AML framework, even though it does not itself impose legal duties.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong><strong><strong>How the NRA fits into your regulatory obligations<\/strong><\/strong><\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">If you are supervised under the UK\u2019s&nbsp;<a href=\"https:\/\/www.legislation.gov.uk\/uksi\/2017\/692\/contents\">Money Laundering Regulations 2017<\/a>&nbsp;(as amended) (MLRs), you are required to adopt a risk-based approach. Regulation 18 requires you to carry out a documented business-wide risk assessment. That assessment must consider risk factors relating to your:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>customers;<\/li>\n\n\n\n<li>services;<\/li>\n\n\n\n<li>transactions;<\/li>\n\n\n\n<li>delivery channels;<\/li>\n\n\n\n<li>geographic exposure.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">The NRA analyses and rates these risks.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">You are not expected to reproduce the NRA in your documentation. You are expected to show that you understand how national risk themes may affect your own firm.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Supervisors frequently look for evidence that firms are aware of the latest NRA and have considered its conclusions when reviewing their\u00a0<a href=\"https:\/\/www.amlcc.com\/what-should-a-business-wide-risk-assessment-cover\/\">business-wide risk assessment<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">How it influences supervision<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Supervisory bodies draw on the NRA when setting inspection priorities and thematic reviews.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If the NRA identifies higher inherent risk in particular areas, supervisors may:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>focus reviews on those areas;<\/li>\n\n\n\n<li>expect deeper documentation of risk decisions;<\/li>\n\n\n\n<li>test how firms apply\u00a0<a href=\"https:\/\/www.amlcc.com\/what-is-enhanced-due-diligence\/\">enhanced due diligence<\/a>;<\/li>\n\n\n\n<li>examine business-wide risk assessments more closely.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">In that sense, the NRA helps to shape the tone of supervision. Understanding it helps you anticipate the regulatory lens through which your firm may be viewed.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Why it matters beyond compliance<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The NRA also provides insight into how criminal methodologies evolve. It explains:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>how funds are typically moved and integrated;<\/li>\n\n\n\n<li>how corporate vehicles may be misused;<\/li>\n\n\n\n<li>how professional services can be exploited;<\/li>\n\n\n\n<li>how international exposure increases complexity;<\/li>\n\n\n\n<li>how proliferation financing intersects with sanctions.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">For firms operating in accountancy, TCSP, legal, property and high-value dealer sectors, this context supports informed questioning during onboarding and\u00a0<a href=\"https:\/\/www.amlcc.com\/whats-ongoing-monitoring-of-a-client\/\">ongoing monitoring<\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">It provides the broader rationale behind enhanced due diligence,\u00a0<a href=\"https:\/\/www.amlcc.com\/whats-a-beneficial-owner\/\">beneficial ownership<\/a>\u00a0verification and\u00a0<a href=\"https:\/\/www.amlcc.com\/whats-source-of-funds\/\">source of funds<\/a> scrutiny.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">The link to the risk-based approach<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The UK\u2019s AML regime is built on proportionality. Not every client carries the same risk, and not every service requires the same level of scrutiny.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The NRA sits at the top of that structure. It establishes the national understanding of risk. Your business-wide assessment translates that national view into a business-specific one. Client and matter risk assessments then apply it at file level.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">When those three layers align, your&nbsp;<a href=\"https:\/\/www.amlcc.com\/what-is-a-risk-based-approach\/\">risk-based approach<\/a>&nbsp;becomes coherent and defensible.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong><strong><strong>Final thoughts<\/strong><\/strong><\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The UK\u2019s National Risk Assessment is the government\u2019s formal view of where money laundering, terrorist financing and proliferation financing risks sit across the country.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">It does not create new duties. It provides the strategic context that underpins the UK\u2019s risk-based AML framework.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For regulated professionals, its importance lies in awareness and alignment. When your business-wide risk assessment reflects the national risk landscape and your documentation shows how you have considered it, your approach sits firmly within the structure the Regulations are built on.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">In practical terms, the NRA answers national questions about ML, TF and PF risk. Your responsibility is to answer the business-level questions: how does that risk picture apply to us?<\/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=\"#what-the-national-risk-assessment-does\" class=\"uagb-toc-link__trigger\">What the National Risk Assessment does<\/a><li class=\"uagb-toc__list\"><a href=\"#why-the-uk-is-required-to-publish-it\" class=\"uagb-toc-link__trigger\">Why the UK is required to publish it<\/a><li class=\"uagb-toc__list\"><a href=\"#how-the-nra-fits-into-your-regulatory-obligations\" class=\"uagb-toc-link__trigger\">How the NRA fits into your regulatory obligations<\/a><li class=\"uagb-toc__list\"><a href=\"#how-it-influences-supervision\" class=\"uagb-toc-link__trigger\">How it influences supervision<\/a><li class=\"uagb-toc__list\"><a href=\"#why-it-matters-beyond-compliance\" class=\"uagb-toc-link__trigger\">Why it matters beyond compliance<\/a><li class=\"uagb-toc__list\"><a href=\"#the-link-to-the-risk-based-approach\" class=\"uagb-toc-link__trigger\">The link to the risk-based approach<\/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>The UK\u2019s National Risk Assessment, usually referred to as the NRA, is the government\u2019s official assessment of money laundering, terrorist financing and proliferation financing risk across the UK. It\u2019s produced by HM Treasury and updated periodically. The current version, published in 2025, sets out how the UK identifies, evaluates and understands the threats and vulnerabilities [&hellip;]<\/p>\n","protected":false},"author":6,"featured_media":10882,"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-10881","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 Is The UK\u2019s National Risk Assessment? 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