What should your AML monitoring
thresholds actually be?
Customer mix, geography exposure, and product set drive the threshold floors regulators expect — and the alert volume your AML team will have to clear. Slide and tap to model both at once. Numbers are practitioner calibration; the underlying obligation comes from EBA ML/TF Risk Factors Guidelines + 6AMLD.
Dataset version 2026-05-06. No data is sent or stored. Computation runs locally.
Calibrated against your customer mix, geography exposure, and product set. Aggregate rules sit alongside single-tx to catch structuring patterns.
Calibrated at 18 min per alert investigation, 8 productive hours per analyst per day, 220 working days per year.
- Customer-mix base: mixed → single-tx €10,000 baseline before multipliers.
- Geography (mixed-eea) multiplier: 1× — no adjustment.
- Product exposure multiplier: 1.00× across 2 selected products.
- Combined multiplier: 1.00× applied to all thresholds and alert estimates.
- These are calibration anchors, not statute. The home-state NCA expects you to document why your thresholds are appropriate and to review them at least annually.
- Aggregate thresholds (daily / weekly / monthly) catch structuring patterns the single-tx threshold misses on its own. Both rule families must be active.
- For CASPs, additional on-chain heuristics (counterparty-cluster risk, mixer / privacy-coin exposure, age-of-address) layer on top of these fiat-style thresholds — see the EBA CASP guidance.
- A 80–95% false-positive rate is normal in well-tuned systems. Tighter thresholds raise the FP rate sharply; this is the trade-off supervisors expect you to articulate.
For orientation only — not financial, legal, regulatory, or investment advice. Outputs are directional and based on generalised inputs. Decisions should be taken only after consultation with a qualified adviser on your specific facts — book the full assessment before acting on anything you read here.
Numbers shown exclude finconduit fees and any third-party costs (legal, audit, regulator-mandated experts, banking-relationship fees, document-translation, ongoing supervisory levies, or local agent / service-provider charges). Real-world authorisation budgets typically exceed the headline regulator-side numbers by a meaningful multiple.