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AML/CFT Staff Awareness Training

Every reporting institution owes its front line an annual AML/CFT session, and most of them deliver it as a slide deck nobody remembers by Friday. This version works the other way round. It starts with the transactions your staff actually process, shows what laundering looks like when it is hidden inside routine business, and rehearses the one thing an employee is really required to do: recognise something that does not add up and escalate it without alerting the customer.

Programme Agenda

What Money Laundering Looks Like From a Counter

Placement, layering and integration explained through transactions a teller, relationship manager or operations officer would actually see. Why the interesting stage for most staff is the one that looks completely normal.

Terrorism Financing and Why It Is Different

Small amounts, legitimate sources, and the reason a value-based red flag set misses it. Targeted financial sanctions, list screening and what a name match obliges you to do immediately.

Your Obligations Under AMLA

Where the duty comes from, who counts as a reporting institution, and the personal exposure of an employee who ignores what they saw. Record keeping duties in plain terms.

Customer Due Diligence in Daily Work

Identifying and verifying a customer, understanding the purpose of the relationship, and recognising when standard due diligence is not enough. Politically exposed persons and beneficial ownership at the level front line staff meet them.

Red Flags That Actually Matter

Structuring below thresholds, unusual third-party involvement, transactions inconsistent with a stated business, reluctance to provide documents, and rapid movement of funds. Worked through as short scenarios rather than a list.

Escalating: What To Do and What Not To Do

Raising an internal suspicion to the compliance officer, what to write down, and the tipping-off prohibition. Why telling the customer, or a colleague outside the chain, is itself an offence.

After You Escalate

What the compliance officer does next, how a suspicious transaction report reaches Bank Negara's Financial Intelligence and Enforcement Department, and why you may never hear the outcome.

Scenario Practice

Participants work through transactions drawn from their own product set, decide whether to escalate, and defend the call to the group.

Learning Outcomes:
Describe how money is laundered through the products your institution offers
Recognise terrorism financing indicators that value-based red flags miss
State your personal obligations as an employee of a reporting institution
Apply customer due diligence steps and spot when enhanced measures are needed
Identify the red flags most likely to appear in your own role
Escalate an internal suspicion correctly and without tipping off
Understand what happens to a report after it leaves your desk

Duration: 1 Day (8 Hours)
Training Hours: 9:00 AM to 5:00 PM
Level: Beginner
Training Mode: Physical, Online, or Hybrid
HRD Corp SBL-KHAS Claimable
Certificate of Completion included

Frequently Asked Questions

Front line and operations staff at banks, insurers, money services businesses, licensed capital market intermediaries, company secretarial firms, accountants, lawyers and any other reporting institution named in the First Schedule to AMLA. It is written for people who are not compliance specialists.

It is designed to. The session is documented with an attendance record, content outline and assessment, which is the evidence pack an examiner or internal auditor will ask for. Whether it fully satisfies your obligation depends on your own AML/CFT policy, which we review beforehand for in-house delivery.

This is the awareness tier for everyone. The Compliance Officer Essentials and Advanced programmes are for the people who run the function, and cover risk assessment, monitoring calibration and reporting rather than recognition and escalation.

Yes, and it works considerably better that way. For in-house sessions we build the scenarios from your product range and use your actual escalation form.

Yes, this programme is HRD Corp SBL-KHAS claimable. Our team can assist your HR department with the documentation required for the grant application.

Yes. Any programme can be booked as a team day. Everyone works the same brief together, so your people come away having built something and knowing each other better.

If you are claiming under HRD Corp, the session has to fall at least 14 days after your HRD Corp approval. If you are not claiming, the date is flexible and we work around your calendar.

Put them on the self-paced e-learning instead. Your team works through the modules on our LMS in their own time, sits the assessment, and earns the same certificate, so nobody has to clear a full day together.

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