Intermediate AML Case Analysis: EDD, Sanctions and Crypto

━━━ DISCLAIMER ━━━

This course contains the use of artificial intelligence.

You completed a foundation AML course. You know the terminology. Now it's time to develop the case judgement that separates a capable intermediate analyst from someone who closes alerts on convenience rather than evidence.

This is an intermediate-level course built entirely around how real compliance files look — ambiguous beneficial ownership, contested sanctions alerts, multi-alert transaction monitoring patterns, PEP files with difficult adverse media, and crypto exposure that doesn't resolve from a single blockchain analytics risk score.

I've built this course based on 20 years of reviewing exactly these kinds of files across banks, fintechs, crypto firms and payment institutions.

━━━ WHAT YOU'LL LEARN ━━━

• The intermediate analyst mindset — what QA, audit and senior review are actually looking for

• Advanced beneficial ownership analysis: nominees, trustees, indirect control, PEP networks, orphaned structures

• Enhanced due diligence (EDD) methodology: hypothesis testing, source of wealth evidence standards, PEP categories, adverse media analysis, writing defensible EDD conclusions

• Sanctions alert review using full identifier analysis across EU, UK (OFSI) and US (OFAC) frameworks

• OFAC's 50 Percent Rule and aggregated ownership — how to calculate it and when it applies

• Secondary sanctions risk for non-US financial institutions

• Sanctions evasion typologies: front companies, third-country diversion, false documentation

• Proliferation financing red flags and maritime risk indicators

• Transaction monitoring investigation: velocity analysis, aggregation, counterparty networks, jurisdiction risk stacking

• SAR-quality internal escalations: structuring suspicion narratives and avoiding defensive filing

• High-risk customer types in depth: payment institutions, MSBs, correspondent banks, professional intermediaries, crypto VASPs

• Blockchain investigation: wallet attribution, mixer and bridge exposure, stablecoin risk, sanctioned crypto services

• Writing case files that withstand QA review, internal audit and regulatory examination

━━━ REGULATORY COVERAGE ━━━

• EU: EU AML package, AMLA, ownership and control under EU sanctions regulations

• UK: UK MLRs, JMLSG, OFSI ownership and control guidance

• US: FinCEN CDD Rule, FFIEC BSA/AML Manual, OFAC 50 Percent Rule, OFAC secondary sanctions

• Crypto: FATF VASP guidance, MiCA, OFAC crypto designations including Tornado Cash

━━━ WHO THIS IS FOR ━━━

• AML, KYC and EDD analysts with 1–3 years of experience seeking to develop genuine case judgement

• Sanctions screening and sanctions operations analysts

• Transaction monitoring investigators

• Crypto compliance and blockchain investigation analysts

• QC reviewers and compliance associates preparing for a senior analyst role

• Fintech, payments, banking and regulated-crypto compliance staff

• Learners who completed a foundation-level AML and sanctions course and want to go further

━━━ CAPSTONE: MERIDIAN CAPITAL PARTNERS LTD ━━━

• The course closes with a multi-issue capstone combining:

• A four-layer beneficial ownership structure with an undeclared family relationship

• An unresolved OFAC SDN alert requiring aggregated ownership analysis

• Prior Tornado Cash interactions and one-hop darknet market exposure

• Four TM alerts with aggregate pass-through and same-day movement patterns

• Adverse media across three jurisdictions including a credible investigative article

You produce seven practitioner-level deliverables: an ownership diagram, EDD conclusion, sanctions ownership analysis, TM investigation report, crypto exposure memo, internal escalation, and a QA-ready final recommendation.

━━━ CERTIFICATE ━━━

Complete all lectures, assignments and section quizzes to earn your Udemy Certificate of Completion — shareable directly to LinkedIn and downloadable as a PDF for your CV or professional portfolio.