Draft Interpretative Note - On the risk assessment methodologies pursuant to draft RTS under Article 12(7) AMLAR and draft RTS under Article 40(2) AMLD

Sep 1, 2026

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Draft interpretative note setting out guidance for the data points in Annex 1 to the Draft RTSs on risk assessment methodologies under Article 12(7) AMLAR and Article 40(2) AMLD. The note provides general instructions, defines purpose, scope, and future updates, and introduces reporting templates and harmonised reporting concepts. It covers reporting period and currency rules, Excel structure expectations, testing and calibration objectives, and abbreviations, then organises sections for inherent risk data points and AML/CFT controls data points.

LanguageEnglish

CategoryLetters

FormatDOCX

Pages106

Reading Time37 min

AccessFree to download

Interpretative note on the data points listed in Annex 1 to the Draft RTSs

General instructions

SECTION 0: Cover Page

SECTION A: AML/CFT INHERENT RISK DATA POINTS

Section B – AML/CFT Controls data points

Draft Interpretative Note On the risk assessment methodologies pursuant to draft RTS under Article 12(7) AMLAR and draft RTS under Article 40(2) AMLD Contents TOC \o "1-3" \h \z \u HYPERLINK \l "_Toc223104815" 1 Interpretative note on the data points listed in Annex 1 to the Draft RTSs PAGEREF _Toc223104815 \h 3 HYPERLINK \l "_Toc223104816" 1.1 General instructions PAGEREF _Toc223104816 \h 3 HYPERLINK \l "_Toc223104817" 1.1.1 Purpose and status of this interpretative note PAGEREF _Toc223104817 \h 3 HYPERLINK \l "_Toc223104818" 1.1.2 Scope of the note and future updates PAGEREF _Toc223104818 \h 4 HYPERLINK \l "_Toc223104819" 1.1.3 Introduction to reporting templates, instructions and harmonised reporting PAGEREF _Toc223104819 \h 4 HYPERLINK \l "_Toc223104820" 1.1.4 Reporting period, currency, and currency conversion PAGEREF _Toc223104820 \h 5 HYPERLINK \l "_Toc223104821" 1.1.5 Excel structure and data quality expectations PAGEREF _Toc223104821 \h 5 HYPERLINK \l "_Toc223104822" 1.1.6 Objectives and use of the testing & calibration phase PAGEREF _Toc223104822 \h 6 HYPERLINK \l "_Toc223104827" 1.1.7 Abbreviations PAGEREF _Toc223104827 \h 7 HYPERLINK \l "_Toc223104828" SECTION 0: Cover Page PAGEREF _Toc223104828 \h 8 HYPERLINK \l "_Toc223104829" AML.01.01 Basic Information PAGEREF _Toc223104829 \h 8 HYPERLINK \l "_Toc223104830" AML.01.02 Comments PAGEREF _Toc223104830 \h 12 HYPERLINK \l "_Toc223104831" SECTION A: AML/CFT INHERENT RISK DATA POINTS PAGEREF _Toc223104831 \h 14 HYPERLINK \l "_Toc223104832" 1.2 AML.02.01 Customers Template Instructions PAGEREF _Toc223104832 \h 14 HYPERLINK \l "_Toc223104833" 1.3 Products and Services template instructions PAGEREF _Toc223104833 \h 19 HYPERLINK \l "_Toc223104834" 1.3.1 AML.03.01 Payment Accounts PAGEREF _Toc223104834 \h 20 HYPERLINK \l "_Toc223104835" 1.3.2 AML.03.02 Virtual IBANs PAGEREF _Toc223104835 \h 22 HYPERLINK \l "_Toc223104836" 1.3.3 AML.03.03 Prepaid Cards PAGEREF _Toc223104836 \h 23 HYPERLINK \l "_Toc223104837" 1.3.4 AML.03.04 Lending and Factoring PAGEREF _Toc223104837 \h 24 HYPERLINK \l "_Toc223104838" 1.3.5 AML.03.05 Life Insurance Contracts PAGEREF _Toc223104838 \h 27 HYPERLINK \l "_Toc223104839" 1.3.6 AML.03.06 Currency Exchange (Involving cash) PAGEREF _Toc223104839 \h 28 HYPERLINK \l "_Toc223104840" 1.3.7 AML.04.01 Investment Services and Activities PAGEREF _Toc223104840 \h 30 HYPERLINK \l "_Toc223104841" Investment Services and Activities – Transmission of orders PAGEREF _Toc223104841 \h 30 HYPERLINK \l "_Toc223104842" Investment Services and Activities - Custody Account Keeping PAGEREF _Toc223104842 \h 31 HYPERLINK \l "_Toc223104843" Investment Services and Activities - Portfolio management PAGEREF _Toc223104843 \h 32 HYPERLINK \l "_Toc223104844" 1.3.8 AML.04.02 Money Remittance PAGEREF _Toc223104844 \h 33 HYPERLINK \l "_Toc223104845" 1.3.9 AML.04.03 Wealth Management PAGEREF _Toc223104845 \h 34 HYPERLINK \l "_Toc223104846" 1.3.10 AML.04.04 Correspondent Services PAGEREF _Toc223104846 \h 35 HYPERLINK \l "_Toc223104847" 1.3.11 AML.04.05 Trade Finance PAGEREF _Toc223104847 \h 36 HYPERLINK \l "_Toc223104848" 1.3.12 AML.04.06 E-Money PAGEREF _Toc223104848 \h 37 HYPERLINK \l "_Toc223104849" 1.3.13 AML.04.07 TCSP Services PAGEREF _Toc223104849 \h 38 HYPERLINK \l "_Toc223104850" 1.3.14 AML.04.08 Crypto FIAT Cards PAGEREF _Toc223104850 \h 39 HYPERLINK \l "_Toc223104851" 1.3.15 AML.04.09 Providing Custody and Administration of Crypto-Assets on Behalf of Clients PAGEREF _Toc223104851 \h 39 HYPERLINK \l "_Toc223104852" 1.3.16 AML.04.10 Crypto Services PAGEREF _Toc223104852 \h 40 HYPERLINK \l "_Toc223104853" Exchange funds for crypto-assets PAGEREF _Toc223104853 \h 40 HYPERLINK \l "_Toc223104854"

FAQs

What is the purpose and status of this interpretative note?

It explains the purpose, status, and how to use the note in relation to the Draft RTSs, including how it will be updated over time.

Which topics are covered under the general instructions?

General instructions cover reporting templates, harmonised reporting, reporting period and currency conversion, Excel structure, data quality expectations, testing and calibration objectives, and abbreviations.

How is the content structured for AML/CFT reporting?

The note is organised into sections for AML/CFT inherent risk data points (including customer, product/service, and geography-related data) and a separate section for AML/CFT controls data points.

Sep 1, 2026

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