Implementatiewet ter voorkoming van witwassen en terrorismefinanciering
Reactie
| Naam | Anoniem |
|---|---|
| Plaats | London |
| Datum | 27 augustus 2025 |
Vraag1
Wilt u reageren op het ontwerp wetsvoorstel? Dan kunt u hier uw reactie geven. U kunt dat doen door een bericht achter te laten of een document te uploaden. Niet-openbare reacties worden niet betrokken bij de verwerking van de reacties.We welcome the Dutch government’s approach to implementing the EU AML package and aligning national legislation with AMLD6, AMLR, and the AMLA Regulation. The draft bill reflects the right emphasis on risk-based supervision and effective enforcement while aiming to minimise burdens for low-risk actors.
We support the repeal of the Wwft in light of the directly applicable AMLR. However, successful implementation will require investment in supervisory technologies, stronger data integration, and collaboration between gatekeepers and regulators to ensure continuous, real-time risk monitoring rather than periodic compliance.
Vraag2
De wet is zo ontworpen dat burgers en bedrijven zo min mogelijk extra lasten van ondervinden. Heeft u suggesties om de uitvoering verder te verbeteren, binnen wat volgens Europese regels mogelijk is?We encourage the adoption of a supervisory framework that supports perpetual client risk assessment (pCRA), enabling real-time updates to risk profiles as new data becomes available. This would help both institutions and regulators stay ahead of evolving threats without introducing additional burdens.
Further improvements could include regulatory support for:
Cloud-native, AI-enabled compliance platforms
Use of synthetic data for scenario testing and model validation
Clear guidance on acceptable RegTech and data-sharing practices
These measures would enhance compliance while controlling costs and improving user experience.
We recommend gatekeepers enabling the deployment of modern AML platform infrastructures that support centralised supervision and local flexibility. For example, Napier AI’s multi-organisation deployment enables regulated entities to consolidate their screening, monitoring, and risk assessment across group entities while allowing each unit to tailor controls to their local risk context.
This approach reduces compliance duplication and cost, ensures data consistency, and enhances auditability without requiring regulatory divergence. Supporting such deployments through supervisory guidance, sandboxing, or preferred technology frameworks would further ease implementation and improve compliance outcomes.
Vraag3
De aanpak richt zich vooral op situaties met een hoog risico op witwassen, zodat er minder druk ligt op mensen of bedrijven met een laag risico. Ziet u kansen om dit verder te verbeteren binnen de Europese regels?We agree with the risk-based approach but caution against over-reliance on assumptions tied to institution size or customer volume. In today’s financial landscape, some smaller institutions such as fintechs, cross-border remittance firms, or virtual asset service providers may carry significantly higher ML/TF risks due to product complexity, customer reach, or limited oversight mechanisms.
Risk classification should be case by case and driven by observed or potential suspicious activity, not blanket labels. A small-volume institution with opaque business structures, high-velocity transactions, or unusual client geographies may pose a higher risk than a larger, better-controlled bank.
Modern compliance solutions allow firms to assess and reclassify risk dynamically across entities, using real-time behavioural indicators not static labels. We recommend encouraging this approach in supervisory guidance, enabling firms to allocate compliance resources based on live risk, not size alone.
Vraag4
Er wordt in de zesde antiwitwasrichtlijn ruimte gelaten om de lijst met poortwachters uit te breiden. Om de richtlijn zo lastenluw mogelijk te interpreteren is er voor gekozen om dit niet te doen. Dit betekent dat er poortwachters zijn die op dit moment nog wel onder de reikwijdte van de Wwft vallen, maar straks niet meer, zoals kluisverhuurders. Heeft u suggesties bij deze aanpak?NA
Vraag5
De antiwitwasverordening geeft veel mogelijkheden aan poortwachters om persoonsgegevens van burgers te verwerken en uit te wisselen. Dit zou ervoor kunnen zorgen dat burgers minder last ervaren van vragen, heeft u suggesties bij deze ontwikkeling?We encourage the safe, ethical use of personal data to reduce friction for citizens. This includes support for privacy-enhancing technologies and data-sharing frameworks that preserve individual rights while improving AML outcomes.
Using Napier AI’s multi-organisation deployment, institutions can centralise identity verification and customer due diligence data, allowing seamless reuse of validated data across services and jurisdictions. This reduces the need for repeated checks while maintaining regulatory compliance. Further support for standardised formats and interoperable data models would improve efficiency for both gatekeepers and regulators.
Vraag6
De anti-witwasinzet van het kabinet is naast het verlagen van lasten voor bonafide burgers en ondernemers ook gericht op het verhogen van barrières voor criminelen. Ziet u binnen de kaders van de Europese regels nog kansen om extra barrières op te werpen?Yes. A key challenge for the AML framework is that criminals are rapidly adopting advanced technologies, including artificial intelligence, to automate illicit activity, obfuscate funds, and exploit weaknesses in financial systems. Compliance and supervision must evolve at the same pace or faster.
Opportunities to raise barriers include:
Encourage AI-enabled monitoring and detection: Supervisors should encourage the use of AI-powered AML solutions that can identify complex typologies, structuring patterns, and emerging risks that rules-based systems may miss.
Public-private AI collaboration: Regulators and FIUs could establish frameworks for secure sharing of anonymised suspicious activity typologies, training data, and machine learning models. Such initiatives from the regulators, like Project Mindforge by the Monetary Authority of Singapore and the AI Lab by the UK Financial Conduct Authority would help the industry stay ahead of criminal innovation.