AML Risk Assessment
for the Real Estate Sector
on Costa del Sol.
Business-Oriented AML Risk Assessment
Real estate professionals in Spain and Costa del Sol must comply with EUAMLD and Spanish AML regulations (Ley 10/2010 & Real Decreto 304/2014) by conducting a comprehensive AML Risk Assessment to identify, evaluate, and mitigate financial crime risks. Given the high volume of international buyers and sellers and real estate transactions in Costa del Sol, a tailored AML risk assessment is essential to address region-specific money laundering threats.
At CostaAML, we have created a specific AML Risk Assessment for Costa del Sol, always updated. Our AML Risk Assessment can be used by all real estate professionals, with minor modifications to own business. Our AML RA ensures compliance with EUAMLD and PBC/FT (Prevención del Blanqueo de Capitales y de la Financiación del Terrorismo) regulations.
Why AML Risk Assessments Are Essential for Costa del Sol
✔ Regulatory Compliance & Risk Mitigation – Full alignment with EUAMLD, Ley 10/2010 & Real Decreto 304/2014.
✔ Costa del Sol-Specific Money Laundering Risks – Assessing real estate money laundering risks, international client risks and all cash (no mortgage) transactions, cryptocurrency payments etc. .
✔ Business Model & Geographic Risk Analysis – Evaluating risks related to cross-border transactions, foreign buyers, and high-risk jurisdictions.
✔ High-Risk Client & Transaction Evaluation – Identifying PEPs, HNWIs, HRNR, complex ownership structures, and cash-based and crypto transactions.
✔ KYC & Source of Funds Verification – Ensuring all international clients have legitimate, verifiable financial backgrounds.
✔ Internal Policies & Controls Review – Strengthening AML compliance frameworks, governance structures, and employee AML compliance training.
✔ Ongoing Risk Monitoring & Updates – Adapting to changing AML risks, regulatory updates, and enforcement trends.