Our AML Expertise - Your AML Compliance
AML Advisory for US Clients with Inherent High Regulatory Risk
U.S. buyers are increasingly active in Spain’s real estate market, particularly in high-demand areas such as Marbella, the Costa del Sol, and Ibiza. While these clients bring valuable investment, they also introduce unique regulatory and compliance risks that Spanish real estate agents, lawyers, and brokers must understand.
At CostaAML, we specialize in helping real estate professionals handle U.S. clients buying property in Spain — ensuring compliance not only with Spanish AML law (Ley 10/2010) and EU directives, but also with U.S. enforcement expectations. From Enhanced Due Diligence (EDD) on both buyers and sellers, to advising on cash transactions and cross-border risk, our expertise helps you close deals confidently while protecting your reputation.
Whether your U.S. client is buying a holiday villa in Marbella, a luxury apartment in Ibiza, or investing in property on the Costa del Sol, we ensure you meet the highest compliance standards.
How CostaAML Helps You Stay Compliant
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Enhanced Due Diligence (EDD) on both buyer and seller
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Sanctions, PEP, and adverse media screening
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Risk assessment for partial cash transactions
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Compliance procedures aligned with Spanish and U.S. regulations
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Training for agents and lawyers handling U.S. clients
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Protect Your Clients, Your Firm, and Your Reputation
With the growing presence of U.S. buyers in Spain’s property market, real estate professionals must be prepared for cross-border regulatory scrutiny. CostaAML gives you the tools, processes, and expertise to manage U.S. client transactions with confidence.
Contact us today to learn how we can help you handle U.S. buyers safely and compliantly.
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Andreas has extensive experience and knowledge in handling US clients, transactions relating to US and USD, which is critical to ensure deals go through and reduce the risk of US regulatory risk.
AML Services to US Clients
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.
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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.
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Buyers and sellers early in the process.
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From EUR 500
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.
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Buyers using business income, inheritance, crypto, or offshore sources.
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From EUR 1000
03
Pre-EDD Report
​Confidential screening of your name against PEP lists, sanctions, adverse media, and country risk. Includes commentary and mitigation strategy.
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Clients with reputational concerns or complex profiles.
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From EUR 2000
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.
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HNWI, HRNR, or anyone facing complex due diligence.
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EUR 2000+