FIAU Supervisory Plan 2025-2026

The FIAU has released its supervisory plan for 2025 – 2026. This is the 2^nd year of a five-year compliance monitoring plan detailing the supervisory work that the FIAU plans to carry out during this supervisory cycle commencing in September 2025 with respect to selected sectors.

Purpose & Strategy

• It underscores the critical role of subject persons— FIs, CASPs, DNFBPs and gaming operators and others—as frontline gatekeepers in preventing money laundering and terrorist financing.
• The FIAU aims to help these entities understand & fulfil their AML/CFT obligations and monitor compliance accordingly.
• The plan follows a risk-based approach aligned with Malta’s national and international obligations.

2025–2026 Focus Areas

• Banks: Trade-based money laundering, terrorist financing
• Financial Institutions: Money remittance (includes elements related to terrorist financing)
• Investment Services: Source of wealth/funds checks
• Gaming & Crypto Asset Providers (CASPs) : Suspicious activity monitoring, Deposits and withdrawals involving crypto assets within remote gaming
• CASPs : Adherence with beneficial ownership obligations with a focus on complex/opaque ownership structures and/or shell companies
• Auditors/Accountants/CSPs: Misuse of company structures, and CDD measures applied
• All sectors: Beneficial ownership compliance

Access the FIAU document here:  AML/CFT SUPERVISORY PLAN 2025 – 2026

RMC Wise supports subject persons by offering tailored AML/CFT compliance solutions such as risk assessments, customer due diligence, suspicious activity monitoring and reporting, AML training, policy development, and access to a dedicated MLRO to strengthen compliance capabilities. Feel free to contact us if you have any questions about the plan or if you need support in preparing for it.