AML compliance expertise for the Spanish real estate market
CostaAML Compliance provides operational AML support, AML frameworks, AML documentation and practical AML implementation for real estate professionals and obligated entities operating in Spain.
AML framework implementation
End-to-end AML framework rollout adapted to Spanish obligated entities.
AML risk assessments
Operational, sector-aware enterprise-wide AML risk assessments.
Policies and procedures
Practical AML policies and procedures aligned to actual operations.
AML training
Role-based AML training for agents, lawyers, developers and compliance functions.
Operational AML support
Hands-on operational AML support, not theoretical advisory.
SEPBLAC-focused readiness
Documentation, controls and evidence aligned to SEPBLAC expectations.
Real estate AML expertise
Deep sector experience across Spanish real estate transactions.
Documentation libraries
Reusable, audit-ready AML documentation libraries.
Practical AML compliance — implemented, not just advised
Implement AML compliance in Spain — operationally
Discuss CostaAML ComplianceFrequently asked questions about CostaAML Compliance
What is CostaAML Compliance?
CostaAML Compliance provides operational AML support, frameworks, documentation and SEPBLAC-focused readiness for real estate obligated entities operating in Spain — especially Costa del Sol, Costa Blanca, Mallorca and Ibiza. The service is hands-on and operationally embedded, not theoretical advisory.
Which entities are obligated under Spanish AML law in real estate?
Spanish AML law (Ley 10/2010) treats real estate agents, developers and other real estate professionals as obligated entities for AML purposes. They are required to implement risk-based AML frameworks, perform KYC/CDD on clients, monitor transactions, report suspicious activity to SEPBLAC and maintain records.
How does CostaAML Compliance align with SEPBLAC expectations?
CostaAML Compliance designs documentation, controls and evidence aligned to SEPBLAC supervisory expectations — including risk assessments, policies and procedures, training, transaction monitoring, suspicious activity reporting and audit-ready evidence libraries.
Does CostaAML Compliance cover High-Net-Worth and non-resident buyers?
Yes. CostaAML Compliance has deep operational experience with High-Net-Worth Individuals (HNWI), High-Risk Non-Resident (HRNR) clients and cross-border real estate transactions — common patterns on the Costa del Sol and other Spanish hotspots.