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Compliance and operations support for EU fintechs
We help EMIs, payment institutions and fintechs across the EU meet evolving AML, resilience and payment services requirements, and operate smoothly across borders.
Key authorities
AMLA
EBA
National competent authorities
National FIUs
Overview
Operating a fintech in the European Union
The EU regulatory landscape for fintechs is changing fast. The new AML package and the Anti-Money Laundering Authority (AMLA) are harmonising AML rules, DORA has introduced detailed digital operational resilience requirements and payment services rules continue to evolve.
Hilix helps EU-licensed firms and those passporting into the EU translate these requirements into working controls, from customer due diligence and monitoring to ICT risk management, third-party oversight and incident reporting.
Regulators
Who supervises fintechs in the European Union
Key obligations
What we help you meet
We translate these requirements into day-to-day controls, evidence and reporting.
- EU AML directives and the new AML Regulation
- EBA risk factor and customer due diligence guidelines
- Digital Operational Resilience Act (DORA)
- Safeguarding and payment services requirements
- EU sanctions screening
- Outsourcing and third-party risk management
- GDPR and data protection
- Suspicious transaction reporting to national FIUs
Recommended services
Popular services for fintechs in the European Union
AML/CFT Compliance Outsourcing
A complete anti-money laundering and counter-terrorist financing programme, designed and operated for your business model.
Vendor & Outsourcing Risk Management
Due diligence, criticality assessment, monitoring and exit planning for vendors and outsourced providers.
Business Continuity Planning
Impact analysis, recovery priorities, scenario plans and testing that keep critical services running.
Safeguarding Compliance (EMI & PI)
Safeguarding policies, daily reconciliations, audit preparation and resolution packs for EMIs and payment institutions.
Regulatory Readiness & Gap Assessment
Gap assessments, evidence packs and remediation tracking that prepare you for regulators, audits and partner reviews.
Transaction Monitoring Services
Rule design, daily alert investigation, threshold tuning and MI that keep your monitoring effective and your queues clear.
FAQ
European Union: common questions
Can you help us prepare for AMLA?
Yes. We review your AML framework against the new EU rules and plan the changes you need.
Do you support DORA compliance?
Yes. We support ICT risk frameworks, third-party registers, incident processes and resilience testing documentation.
Can you support passporting firms?
Yes. We help firms operating across several member states manage local requirements.