Tougher AML, governance and documentation requirements: What’s stopping EMI authorisations and how to fix your application

Regulators have sharply raised the bar for EMI licences—weak AML risk assessments, poor governance and ineffective transaction monitoring are now the chief reasons applications fail. This article pinpoints the specific deficiencies supervisors flag, offers practical fixes you can implement immediately, and explains how buyers and sellers can protect licence value in M&A.

Regulators have sharply raised the bar for EMI licences—weak AML risk assessments, poor governance and ineffective transaction monitoring are now the chief reasons applications fail. This article pinpoints the specific deficiencies supervisors flag, offers practical fixes you can implement immediately, and explains how buyers and sellers can protect licence value in M&A.