Precious Metals & High-Value Goods
AML for European high-value goods dealers
Dealers in precious metals, art, and other high-value goods are Obliged Entities once transactions cross AMLD thresholds. Tools for CDD and STR reporting designed for use at the point of sale.
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Precious Metals & High-Value Goods businesses across the EU have been bound by AMLD for years. With AMLA arriving and the AML Regulation tightening the bar for everyone, now is the moment to retire the spreadsheets.
Sector challenges
- •Walk-in customers and one-off transactions above the €10,000 threshold
- •Cash and crypto payments raising layering risks
- •Cross-border movement of high-value items
- •Art and antiquities subject to specific provenance obligations
- •Limited AML resourcing in small and family-run businesses
Typical AMLD obligations for this sector
- CDD on transactions equal to or above €10,000 (cash or otherwise linked)
- EDD for higher-risk customers, jurisdictions and payment methods
- STR reporting to the national FIU on suspicion
- Sanctions screening against the EU Consolidated Financial Sanctions List
- Record-keeping per Member State retention rules
- Internal AML procedures and staff training
How the platform helps
- At-counter CDD
- Automated threshold detection across linked transactions
- Sanctions and PEP screening at onboarding, with ongoing monitoring for customers verified electronically
- STR templates pre-filled from your transaction data
- Mobile-friendly workflows for showrooms, galleries and fairs
- Evidence pack export for inspections at any time
Purpose-built for Precious Metals & High-Value Goods in the EU
Capabilities mapped to obligations Obliged Entities face under AMLD6 and the AML Regulation.
Customer & UBO verification
Identity verification plus European UBO register lookups, in a single workflow.
Risk assessment
EWRA template based on the EU Supranational Risk Assessment and national risk factors.
Continuous monitoring
Customer, transaction and (for CASPs) on-chain monitoring with risk-scored alerts.
FIU reporting
STR templates pre-mapped to each Member State's national FIU channel.
Programme templates based on AMLD6
Policy, procedure and training templates for you to review and adapt.
Evidence records
A single audit trail for your supervisor.
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Start your free trialImportant: Instant Compliance is software, not compliance advice.
Our tools help you prepare, record and manage an AML/CFT program. They do not provide legal or compliance advice and do not guarantee compliance with the EU AML Regulation or your national AML/CFT law. Your business remains responsible for meeting its own obligations and for every decision it makes using these tools. Instant Compliance is an independent software provider and is not affiliated with, endorsed by or acting on behalf of AMLA, any national supervisor or any government body. Read what we do and what stays your responsibility