New episode: Regulation Ramp-Up — The Coming AMLA Regulation and Its Impact on the EU and UK

Welcome back to a new season of Reseo’s State of Art podcast — where we speak with industry experts about the ideas and forces shaping the future of investment management.

In this episode, Pierre-Yves Rahari, Co-Founder and Director at Reseo, is joined by Giles Swan, a Public Policy and Regulatory Consultant.

Together, they discuss how the upcoming Anti-Money Laundering Authority (AMLA) regulation — set to take effect in July 2027 — will reshape the regulatory landscape, and what it means for firms, clients, and compliance practices. They also reflect on the evolving relationship between regulation, technology, and financial crime prevention, and how the industry can act now to prepare for what’s ahead.

  • Guest:Giles Swan — Public Policy Consultant, Swan FS
  • Host:Pierre-Yves Rahari— Co-Founder and Director, Reseo
  • Produced by: Melanie Lopes — Sales & Marketing Associate, Reseo

Thanks for listening to the Reseo State of the Art podcast – you can find us here and on Spotify.

Digitalisation is the new era: Are industries keeping up to transform corporate client onboarding?

In a world where digital touchpoints define the client journey, onboarding remains the first true test of innovation.

Opening a personal account with a neo bank has been revolutionised with the smartphone and all we need is our passport, proof of address and the camera on our phone. Based on this input, various checks are carried out in the background and 10 minutes later you can start using your account and a digital bank card.

How different this is for corporate onboarding; papers are sent via email, post and sometimes still even fax, endless requests for clarification leading it to take on average 4-5 weeks before the ok is given. It is a far cry from the retail sector account opening.

Equally, technologies like AI are undermining the traditional ways of manual checking documentation and fake data such as a complete set of fake company structures and documentation can be created in no time undermining the trust in documents[1].

Change is nevertheless on its way due to technological advancements e.g. AI, cloud computing, API’s, detection and zero trust document technology, OCR (Optical Character Recognition and LLM (Large Language Models).

Regulators also pinch in and are pushing for change and moving towards perpetual compliance. The enhanced EU AMLR regulation – aiming to harmonize compliance obligations for banks, crypto-asset service providers, real estate agents, legal professionals, and other obliged entities, Regulation 2024/1624[2] – is just around the corner with implementation by July 2027. Whereas the EU Anti-Money Laundering Authority (AMLA, the first centralised EU authority for direct EU wide supervision of AML/CFT compliance) has just set up a shop in Frankfurt.

Market expectations are shifting, and the need for speed to benefit from market opportunities in investment management, industry trading and corporate banking, to name a few, should not be upheld by paper based processes.

Last but not least, the consistent increase in the cost of AML/CFT compliance can only be mitigated if we address the current outdated way of working.

To move away from the manual checks of documents, we need to shift to a technology driven verification of corporate data and information (not stale documents), to create real-time insights in corporate structures, activities, decision makers and (ultimate) beneficiaries.

The road to change is mired with obstacles of legacy infrastructure, risk averse organisations, current over engineered processes (to be replaced instead of replicated), interoperability of systems and platforms while remaining within the boundaries of legislation like GDPR.

At Reseo, we understand these challenges and we believe that digital onboarding is not just a process but a client experience differentiator whereby the Reseo modular, technology driven, secure and client centric e-ID is a digital wallet that can be shared with any counterparty on the platform. To transform corporate client onboarding, we blend technology and investor-centric services, ensuring continued financial trust while future-proofing the industries for the digital generation. AML/KYC is just our starting point.

 

[1] Xavier Hamori, KYC in 2025: The Collapse of Document Trust, June 1, 2025

[2] Europa.eu. (2024). Regulation – EU – 2024/1624 – EN – EUR-Lex. [online] Available at: https://eur-lex.europa.eu/eli/reg/2024/1624/oj/eng.

Tech: Employees growth and adaptability in the workplace

In today’s era, technology is an essential part of everyone’s daily life. Especially since COVID-19 came by and introduced hybrid and remote working. Many employees have the opportunity to grow in companies because they have personalised goals and targets that they want to achieve. Companies have required resources that can be beneficial, which are mainly online. However, many employees have the initiative to grow outside by using online learning free platforms, amongst other things, that are available for them.

It is important that everyone adapts to the new trends in tech, as there are many new innovative technologies coming out. For example, AI and ChatGPT have benefits to help staff grow and expand their learning abilities, even though there might be some controversial aspects.

Many people fear that tech such as AI is taking over people’s jobs. A study carried out by the CNBC SurveyMonkey Workforce survey shows that 60% of people who use AI daily are scared of how much this could impact them by losing their jobs. With approximately 300 million jobs that could be affected globally, because of the vast growth of new innovative technology in the markets (Kelly, 2024).[i] However, technology can be very beneficial; let’s explore how.

Upscaling learning skills and well-being:

The development and growth of employees play a great part in the involvement of technology. With all the different online platforms, employees have a great advantage in learning more than expected. Webinars, courses, modules, free e-learning, ebooks and many more are resources available for employees to obtain and adapt in the workplace.

Whilst an employee achieves their goals, it is also important that they monitor their well-being. This is another area where technology can help employees while prospering. This is based on their productivity and innovation, especially while working on big projects, to adapt their work and well-being efficiently, where special platforms help them balance stress and work.

Communication and collaboration:

In today’s workplace, we have a greater frequency of working remotely and a hybrid environment by using Teams, Zoom and other communication platforms, allowing it to be easier to communicate all over the world. For example, Reseo, where everyone is located in other locations. Through emails, meetings, staff have the opportunity to strengthen their relationships with their teams by allowing flexible hours for both parties, which can potentially foster collaboration.

Whilst this happens, a lot of knowledge and experience is shared amongst everyone, making it easier to adapt to different environments when working on projects. Microsoft 365 allows the workflow among employees to be easier, faster and more efficient, allowing staff to adapt to new ways of working.

Automatic processes and making decisions:

At Reseo, this is one of the areas that is most used at work. With workflows like CRMS systems, it is easier to monitor, record and analyse data. They can detect data that we might need. Where it’s more detailed and automated, to create other materials such as reports or charts from the data detected and imputed. Making it easier for staff to make decisions smartly and faster due to the help that these systems provide

Overall, technology and digitalisation are important for the daily use of employees to understand, learn, monitor and enable when working.

 

 

[i] Kelly, J. (2024a). Workers Who Use Artificial Intelligence Are More Likely To Fear That AI May Replace Them. [online] Forbes. Available at: https://www.forbes.com/sites/jackkelly/2024/01/08/workers-who-use-artificial-intelligence-are-more-likely-to-fear-that-ai-may-replace-them/.

 

 

 

 

 

 

Get in touch

We’d like to hear from you

Join our mailing list

To receive news from Reseo