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Having an AML policy is no longer enough. Authorities increasingly expect staff to actually understand and apply it, says Andréas Hobbelin , Founder of CostaAML. According to Hobbelin, AML training real estate Spain  has become a central focus area for regulators — particularly in high-risk, international markets such as the Costa del Sol. During inspections, authorities are not only asking if  training exists, but what kind  of training it is, how often it is delivered, and

One of the biggest AML weaknesses we see in practice is that KYC in real estate Spain  is often performed far too late, says Andréas Hobbelin , Founder of CostaAML. “Many agents assume that KYC starts when the lawyer or notary steps in. From a regulatory perspective, that assumption is wrong. Hobbelin explains that reservation agreements and early deposits are critical AML trigger points  under Spanish law. The moment a real-estate agent introduces a client, negotiates a deal

The Costa del Sol remains one of the highest-risk real estate markets in Spain from an AML perspective,” says Andréas Hobbelin , Founder of CostaAML. When you combine international buyers, complex ownership structures, high transaction values, and early-stage deposits, AML real estate Costa del Sol  becomes a priority focus area for regulators. According to Hobbelin, many real-estate agencies still underestimate their direct AML responsibility. A common misconception is that

The number of U.S. citizens buying property in Spain has been steadily increasing, with particular interest in Marbella, the Costa del Sol, and Ibiza . While this growth is good news for the property market, it comes with a set of unique compliance and regulatory risks  that real estate agents, lawyers, and brokers in Spain cannot afford to ignore. U.S. Buyers on the Rise Recent market data shows that Americans are now among the fastest-growing groups of international buyers