Private Client AML Advisory for High-Net-Worth Individuals (HNWI) & High-Risk Non-Resident International Clients
Legal Requirement
Real estate professionals operating in Spain, Costa del Sol and other "hotspots" in Spain must comply with EUAMLD and the Spanish AML regulations (Ley 10/2010 & Real Decreto 304/2014), which inherently mean that high-net-worth individuals (HNWI) and high-risk non-resident (HRNR) international clients will be subject of enhanced due diligence (EDD) and scrutinized when it comes to KYC/AML, including request for additional information about source of funds, ownerships structures and underlying documentation supporting (bank accounts, contracts, cryptotrades etc.) this.
AML Expert Support & Advice
Andréas Hobbelin, founder of CostaAML, have 15 years experience of investigating and scrutinizing HNWI and HRNR, which makes him best equipped to assist and give advice directly to private client HNWI and HRNR international clients bying, selling and investing in property in Spain.
AML Services to Private Clients HNWI & HRNR
Andréas Hobbelin
Seasoned AML Expert
A seasoned AML expert with over 15 years of experience, Andreas Hobbelin has a background in banking, fintech, and audit & consultancy, having worked with Swedbank, ZTL, Plusius, Open Payments and BDO. He is a former board member of ACAMS Nordics Chapter, a Certified Anti-Money Laundering Specialist (CAMS) and Certified Global Sanctions Specialist (CGSS), and a leader at the JUC-Network for Heads of AML Specialists.
01
KYC Readiness Check
Review of your identity documents, proof of address, and initial source of funds. Feedback to ensure full compliance with Spanish AML/KYC requirements.
Buyers and investors early in the process.
From EUR 300
02
Source of Funds Advisory
Structured review of income, assets, or company wealth. Preparation of supporting documentation with guidance on presentation to agents, lawyers, and banks.
Buyers using business income, inheritance, crypto, or offshore sources.
From EUR 500
03
Pre-EDD Report
Confidential screening of your name against PEP lists, sanctions, adverse media, and country risk. Includes commentary and mitigation strategy.
Clients with reputational concerns or complex profiles.
From EUR 500
04
Full AML Concierge
Includes all services above plus direct guidance in your interaction with agents, notaries, banks, and lawyers. We act as your private AML advisor throughout the property process.
HNWI, HRNR, or anyone facing complex due diligence.
EUR 1500+