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European Economic Area (EEA) · Module Detail

European Economic Area: AML/CFT & Financial Crime

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[SENTINEL.GI FEED] Sentinel payments-context position for the EEA: the AML/CFT perimeter is consolidating under the EU AML package (Single Rulebook + AMLR + AMLD6) with the Anti-Money Laundering Authority (AMLA) operational in Frankfurt from July 2025 assuming direct supervision of high-risk entities. The Transfer of Funds Regulation extends originator/beneficiary information ('travel rule') to PSPs and CASPs. Enforcement of payments/e-money firms is rising (EUR 36m+ in fines March 2024-March 2025). WPM carries the Sentinel position only; no original illicit-finance analysis performed (that is FIM).

Standing sub-brief · as of 20 June 2026189 words · last cycle 2026-06-20

AML/CFT & Financial Crime

This module is sourced from the Sentinel feed; the intelligence is attributed to that feed, and original illicit-finance analysis is not conducted here. Per Sentinel, AMLA began operations in Frankfurt in July 2025, marking the start of direct EU-wide supervision for high-risk entities under the EU Single Rulebook. Also per Sentinel, the Transfer of Funds Regulation mandates that PSPs and CASPs include detailed originator and beneficiary information with each transfer. Both positions are carried as payments-context provenance, applying to bank and non-bank PSPs and to CASPs respectively, rather than as WPM-originated conclusions.

No new data since the standing brief. 1 periodic run re-emitted it unchanged.

Sources and findings (5)
  1. T?FIM (sentinel.gi) per-JID baseline profile — European Economic Area (EU bloc architecture) — EU AML architecture is mid-transition: AMLR (Reg 2024/1624) becomes the directly-applicable single rulebook from 10 July 2027, 6AMLD (Dir 2024/1640) is under national transposition, and AMLA (Reg 2024/1620) began operations mid-2025 in Frankfurt, building toward direct CASP/bank supervision from 2028. Sanctions architecture (19th/20th Russia packages) is aggressive but BO transparency was rolled back by the 2022 Sovim ruling and CASP supervision remains nationally fragmented pending AMLR application.
  2. T?FIM (sentinel.gi) gaps_register_cumulative (issue FIM-BASE-GAP-004) — Gap: sourcing-thinness
  3. T?FIM (sentinel.gi) gaps_register_cumulative (issue FIM-BASE-GAP-002) — Gap: capacity-deficit
  4. T1FIM (sentinel.gi) enforcement_action_register (issue FIM-BASE-ENF-004) — Enforcement: FATF (Financial Action Task Force) — Bulgaria (EU/EEA member state)
  5. T?FIM (sentinel.gi) gaps_register_cumulative (issue FIM-BASE-GAP-001) — Gap: legal-gap