MiCA compliant
Latest Update: July 2026
5/5- 31
- Advanced
- English
5/5
31
Advanced
EnglishCAPS Certification for Polish CASPs
Regulations: MiCAR and Polish Law
CPD-Certified Activity
What you will learn on the Certified Anti-Money Laundering Principal Specialist for Polish CASPs course:
- Compliance Programs: Master the development and implementation of comprehensive compliance frameworks, including KYC, CDD, EDD, and transaction monitoring.
- Blockchain and Cryptocurrencies: Gain a thorough understanding of blockchain technology, its core principles, and the various types of cryptocurrencies, including tokens, stablecoins, NFTs, and CBDCs.
- Regulatory Mastery: Understand the Polish AML/CTF+ regulatory approach, focusing on CASP-specific obligations under MLTFPA.
- Cybersecurity in AML/CTF+: Master cybersecurity unique to CASPs, including incident response, penetration testing, and managing IT vulnerabilities in crypto environments.
- Crypto Industry Focus: Explore risks unique to the cryptocurrency sector, such as honeypot, tokenisation, and other CASP-specific risk areas.
- Practical Application: Solve real-world case studies to apply advanced AML/CTF+ concepts in managing risks and responding to regulatory challenges.
Compliant with the new ESMA guidelines of 11 July 2025.
What Course Includes:
80 Visual Schemes 
14 Assignments 
84 Submodules of Reading Material 
35 CPD Credits 
Certificate of Completion 
5-6 weeks – Recommended Learning Timeline 
1695 €
Pay
848€ monthly
for
2 months
Pay
565€ monthly
for
3 months
Equip senior compliance professionals with CAPS, the highest-level AML certification for experts managing financial crime risks. Designed for MLROs, senior officers, Head and Board Members, it focuses on MiCA and industry-specific compliance. A structured, scalable, and cost-effective way to certify top-level AML professionals and strengthen regulatory leadership.
Program overview
Find out what you’ll learn in CAPS, Certified Anti-Money Laundering Principal Specialist for Polish Crypto-Asset Service Providers, how long it will last, and what qualifications you’ll gain after completing it.
The CAPS Certification Program for Polish CASPs is designed for professionals aiming to master anti-money laundering (AML), counter-terrorism financing (CTF), and other critical financial crime prevention strategies. This advanced program goes beyond intermediate knowledge, providing in-depth insights into AML/CTF+ compliance, regulatory frameworks, and risk management practices in the Polish crypto sector.
The program equips learners with the knowledge and skills to address complex compliance challenges, ensuring organisations uphold the highest standards of financial integrity.
This comprehensive certification program offers expertise in the following areas:
- Advanced Understanding of Financial Crime Risks. Explore the intricate mechanisms behind financial crimes, including money laundering, terrorism financing, and proliferation financing, and understand their global impact.
- Blockchain and Cryptocurrencies: Core principles of blockchain technology, types of cryptocurrencies, and their regulatory implications.
- Polish Regulatory Framework and approach: Detailed insights into Poland’s AML laws, CASP obligations under the MLTFPA, and the role of compliance officers.
- Risk Management: Advanced risk assessment techniques, identifying red flags, and practical strategies for mitigating ML/TF risks.
- Compliance Program Development: Building effective compliance systems, including KYC, transaction monitoring, and governance structures.
- Cybersecurity in AML/CTF+: Addressing IT risks, data privacy under GDPR, and leveraging technology for compliance.
- Reporting and Audits: Best practices for suspicious activity reporting, internal audits, and ensuring readiness for regulatory scrutiny.
- Consequences of Non-Compliance: Real-world case studies highlighting enforcement actions, penalties, and lessons learned.
The CAPS Certification Program combines advanced expertise with an engaging learning experience, featuring:
- Dynamic Video Lectures: Professionally created content to explain complex topics clearly.
- In-Depth Case Studies: Real-world examples to contextualise theoretical knowledge.
- Interactive Quizzes: Test and reinforce your understanding throughout the course.
- Customised Materials: Jurisdiction- and industry-specific guides for practical application.
- Learning Method: Online.
- Duration: 5-6 weeks (flexible, self-paced).
- Materials: Video lectures, detailed textual content, industry-specific case studies, and schemes.
- Final Assessment: Comprehensive exam with 60 questions, 90 minutes to complete.
- Exam passing threshold: 80%
Upon completing the CAPS Certification Program, you will receive the Certified Anti-Money Laundering Principal Specialist (CAPS) designation, recognised as one of the most advanced qualifications in the AML field.
- Globally Recognised Certification: Demonstrates your expertise in AML/CTF+ compliance and risk management.
- Regulatory Expectations: Your qualification becomes aligned with the expectations of local regulators.
- Career Advancement: Enhances your credentials, positioning you for senior roles in compliance, financial crime prevention, and regulatory affairs.
With the CAPS Certification, you’ll not only master advanced AML/CTF+ strategies but also solidify your position as a leader in the fight against financial crime.
The certificate you will receive and the official designation.
View a certificate
- Basic computer and internet skills.
- Knowledge of English at lest B2.
- Professional experience in the field at least 4 years.
- Other high-level professional qualifications.
Contact us to find whether you are eligible.
1
Introduction to Anti-Money Laundering and Counter-Terrorist Financing
Lectures 7 opinions
- Predicate offences for Money Laundering, Terrorist Financing,
- Proliferation Financing and Sanctions
- Understanding Money Laundering, Its Consequences and Its Impact
- Understanding Terrorist Financing, Its Consequences and Its Impact
- Understanding Proliferation Financing, Its Consequences and Its Impact
- International Sanctions: Importance and Why
- Highlights of the previous chapters
2
Introduction to blockchain
Lectures 5 opinions
- Historical Context
- Core Principles of Blockchain
- Challenges and Considerations
- Key Elements of Cryptocurrency Transactions
- Highlights of the previous chapters
3
Overview of various types of cryptocurrencies, including native assets, tokens, stablecoins, NFTs and CBDCs
Lectures 6 opinions
- Virtual Assets, Cryptocurrencies and Crypto-Assets
- Native Assets
- Tokens
- Stablecoins
- Central Bank Digital Currencies
- Highlights of the previous chapters
4
CASP AML/CTF+ Framework in Poland
Lectures 5 opinions
- EU-wide regulation development
- Polish Regulation Development
- CASP’s Obligations Under MLTFPA
- AML/CO responsibilities
- Highlights of the previous chapters
5
CASP different services in Poland
Lectures 10 opinions
- Virtual Currency Service
- Virtual Currency Wallet Service
- Virtual Currency Exchange Service
- Virtual Currency Transfer Service
- Tokenisation
- Over-The-Counter Desk
- Market Making
- Online Gaming
- Crypto ATM’s
- Highlights of the previous chapters
6
Compliance Program
Lectures 5 opinions
- Key elements of an Effective Compliance Program
- Roles and Responsibilities in Compliance
- Compliance Policies and Procedures
- Training and Awareness Programs
- Highlights of the previous chapters
7
CASP Risk Management,- Assessment and – Appetite
Lectures 6 opinions
- Risk Management, – Assessment, and – Appetite
- Risk-, Rule-Based Approach
- ML/TF+ Risk Identification
- AML/CTF+ Risk Scoring
- Examples of Risk Assessment Scenarios and Best Practices
- Highlights of the previous chapters
8
KYC, CDD, EDD, ODD, Transaction monitoring
Lectures 5 opinions
- KYC
- CDD, SDD, EDD
- ODD
- Transaction monitoring
- Highlights of the previous chapters
9
Cybersecurity Risks
Lectures 6 opinions
- Cybersecurity and AML/CTF+
- Incident Response
- Penetration Testing, Black-box, White-box Audits
- Key Aspects of IT Risks in Cryptocurrencies
- Automated technology and systems in AML/CTF+
- Highlights of the previous chapters
10
GDPR Requirements within AML/CTF+
Lectures 6 opinions
- Understanding GDPR and its Importance
- GDPR Compliance in AML/CTF Programs
- Data Subject Rights and AML/CTF+ Obligations
- Ensuring Data Privacy and Security in AML/CTF+ Operations
- Case Studies and Best Practices
- Highlights of the previous chapters
11
Suspicious Activity and/or Transaction
Lectures 5 opinions
- Investigating Suspicious Activity
- Identifying Suspicious Activity and/or Transaction
- Red Flag Indicators Related to Transactions, Transaction Patterns and Anonymity
- Red Flag Indicators About Senders or Recipients; In the Source of Funds or Wealth; Geographical Risks
- Highlights of the previous chapters
12
Reporting obligations
Lectures 5 opinions
- Principles of the tone from the top and information flow
- Reporting obligation from Employees to the AML Department
- Communication by Employees/MLRO on Towards to Customer
- Reporting From the AML Department to FIU
- General Reporting to the Management Board
- Highlights of the previous chapter
13
Audit
Lectures 4 opinions
- The importance of the AML/CTF/IS compliance function as a prerequisite function for the internal audit
- Blockchain Preparation Audit Programme
- Audit
- Highlights of the previous chapters
14
Consequences of Non-compliance with AML/CTF+ Regulations
Lectures 4 opinions
- Enforcement Actions and Penalties for AML/CTF+ Violations
- Utilisation of Non-Compliant Cryptocurrency Exchanges by Criminals for Money Laundering
- Case Studies – Penalties
- Highlights of the previous chapters
Frequently
Asked
Questions
about CAPS for Polish CASPs and obliged institutions
How does CAPS relate to the Article 52 training obligation in the Polish AML Act?
Article 52 of the AML Act of 1 March 2018 requires obliged institutions to have persons performing AML/CFT duties take part in training. It sets a duty to train — it doesn’t set a depth. CAPS sits at the top of our three-level pathway, above AML Foundations and CASS, and is aimed at the person whose judgement the institution relies on rather than at general staff awareness.
Why pay for advanced certification when Article 52 training is already mandatory?
Because the two answer different questions. Joint Communication No. 92 from GIIF, UKNF and the National Bank of Poland reads Article 52 broadly, covering employees, civil-law contractors, agents, entities acting for the institution, AML-responsible management-body members and those who stand in for AML staff. Meeting that duty across a headcount is a volume exercise — qualifying the person who signs off decisions is not.
Is CAPS accredited, and does KNF recognise it?
CAPS is CPD accredited and developed with practising AML specialists. KNF does not recognise, approve or endorse it, and no Polish or EU regulator formally recognises named private certifications for fit-and-proper purposes.
Who at a Polish obliged institution can enrol in CAPS?
The entry test is the same wherever you sit. • At least four years of professional experience in AML compliance or a related field. • A recognised AML certification such as CASS or an equivalent qualification, or other professional recognition. Click on the “Check eligibility” button to contact us. If you hold the AMLRO function at an instytucja obowiązana, that experience counts towards the four years.
Does CAPS produce evidence a Polish management board can use for Article 52 reporting?
It produces a CPD-accredited Certified Anti-Money Laundering Principal Specialist certificate and a year of CPD institute membership, both dated and verifiable. Communication No. 92 says the management board should hold full and current information on how the training obligation is being met, reported for instance through the AMLRO.
Can I enrol without four years of AML experience?
No, and the rule is applied without exception. CAPS assumes you have already made difficult calls rather than read about them. CASS at €959 is the step immediately below and takes most people where they need to be, with AML Foundations available if you are earlier in the role. There’s no shortcut into the top level, by design.
How long does CAPS take for a working Polish AML officer?
Five to six weeks of online, self-paced study. Nothing has to be attended at a fixed hour, which matters in an institution where the reporting rhythm to GIIF isn’t negotiable and the training calendar is. You work through the material in the gaps rather than clearing a week that would get taken back anyway.
Is CAPS taught in Polish?
No, the programme is delivered in English, with the Polish context carried in the material: the AML Act of 1 March 2018, the supervisory roles of KNF and GIIF, and MiCA as it applies to crypto-asset service providers. Polish statutory terminology appears where it should, because instytucja obowiązana and AMLRO carry meanings that don’t survive a loose translation.
What is the CAPS exam like for Polish candidates?
Sixty questions online in ninety minutes, mixing multiple choice, case-based scenarios and true/false items. No test centre, no travel to Warsaw. The scenario questions dominate the difficulty and they are deliberately written around situations where the correct answer is contested, which is the situation an AML officer is paid to resolve rather than escalate.
What score do I need to pass CAPS?
At least 80% of the sixty questions. That is the programme’s own standard. Polish law sets no examination and no pass mark for AML staff, since Article 52 obliges institutions to provide training rather than to certify outcomes, so a high internal bar is what makes the certificate mean something beyond attendance.
What happens if I do not pass the CAPS exam first time?
You have two further attempts. Each opens fifteen days after your last sitting, and each costs €75. Feedback comes with every result and points at the sections that cost you marks. If your institution is tracking training completion for management-board reporting, tell whoever compiles that report about the fifteen-day intervals so the timeline is realistic from the start.
Will the CAPS certificate be recognised outside Poland?
Yes. You receive the Certified Anti-Money Laundering Principal Specialist certificate, which is recognised in Poland and abroad. Much of the syllabus rests on MiCA and the EU AML package rather than on national detail alone, so the qualification doesn’t lose its meaning if you move to a group entity in another Member State or to an international team in Warsaw.
How and when is the certificate issued?
Digitally, the moment you pass, alongside the official CAPS designation. Nothing waits on printing or delivery. That is useful when the completion date has to land inside a reporting period, since Communication No. 92 expects oversight of the training obligation to form part of periodic reviews or meetings of management bodies rather than to be reconstructed afterwards.
What does CAPS cost for a Polish institution?
The CAPS programme for Polish CASPs costs €1695 including VAT, covering course materials, the exam fee and certificate issuance. The price is set in euro rather than złoty — so if your institution budgets in PLN, allow for the conversion rate at the date of payment rather than at the date of approval. Retakes, if needed, are €75.
Is there a discount for Polish public-sector AML staff?
Yes. Public sector employees are eligible for a 20% discount on the programme fee, and other promotions run periodically, so it is worth asking what is open. Staff at UKNF or at GIIF should identify their employer when enquiring, because the standard price quoted on the page is not the one that applies to them.
Can a Polish obliged institution be invoiced for the programme?
Yes, we accept organisational sponsorships, and [email protected] handles bulk enrolments and business invoicing. One thing worth planning for: Communication No. 92 says those who stand in for staff responsible for AML/CFT tasks should also be trained appropriately, so the person who covers your absence is part of the obligation rather than outside it.
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