What does the product allow?
Accounts, cards, wallets and transfers give customers different ways to hold and move value.
AML Foundations · E-money & payments
AML Foundations.E-money & payments pathway
Understand the AML risks behind digital wallets, payment services and the movement of customer funds. Build your core knowledge, then apply it to e-money and payments.
For newcomers, industry switchers and teams building a shared AML baseline.
Online · Self-paced · Industry track in English
€499Full pathway · One-time fee
Enrol in the pathwayContinue in the learning platform to enrol.
Not sure this is your level? Take the free AML check
Learning for your teamCore AML knowledge + E-money & payments
Request a team quote- Core CPD hours
- 12AML Foundations included
- Industry CPD hours
- 4About 4 study hours
- Industry lessons
- 4E-money & payments
- Self-paced learning
- OnlineStudy in English
Already have AML Foundations?
Add the industry track · €120 Complete the core before starting the track.Build the knowledge for your role
A stronger foundation for your work.
For people entering e-money and payments, moving into compliance or building a stronger foundation for customer and payment operations.
- Customer onboarding and customer operations.
- Payments operations and junior monitoring roles.
- Early-career compliance and agent-oversight staff.
What you will learn
- 01
Explain how an EMI works and how its services differ from banking.
- 02
Recognise risk in wallets, cards and fast, cross-border payment flows.
- 03
Connect e-money risk with customer checks, monitoring and agent oversight.
The industry context
Understand what
changes the risk.
The sector lessons connect the AML framework to these questions about how the industry works.
How is value moving?
Fast, digital and cross-border flows can create patterns that need closer review.
Where does oversight sit?
Agents and distributors change how services reach customers and where information is held.
Topics you will encounter
- Digital onboarding
- Cards and wallets
- Cross-border transfers
- Rapid movement of funds
- Agents and distributors
- Merchant and account misuse
Your learning pathway
Learn the core.
Understand your industry.
Build the AML knowledge first. Then explore the business model, risks and controls specific to e-money & payments.
How you study
Study online at your own pace. Complete the AML Foundations core, including knowledge checks, the Analyst’s Desk capstone and the core exam. Then study four industry lessons and take the separate track assessment.
02 · E-money & payments
4 lessons · 4 CPD hours01What Electronic Money Is & How an EMI Works
What electronic money is, how an EMI sits in the payments system, how customer funds are safeguarded, and why the model attracts financial-crime risk.
02The Services & Where the Risk Lives
Accounts, cards, wallets and cross-border transfers, the specific risk each service creates, and the risk traits that recur across e-money.
03ML/TF Typologies & Red Flags Specific to EMIs
How fast, digital and cross-border payment flows can be misused, the patterns particular to e-money, and the red flags that require closer review.
04How EMIs Are Regulated & Controlled
How EMIs are authorised and supervised, the controls that answer the model’s risks, the role of agents and distributors, and how the three lines apply.
Complete AML Foundations to unlock the industry track.
Assessment & your learning record
Show what you have learned.
Complete each part of the pathway and keep a record of your achievement.
Core programme
12 CPD hours
AML FoundationsChapter knowledge checks, a capstone and a final examination with a 75% pass threshold.
Industry track
4 CPD hours
E-money & paymentsFour lessons followed by a final assessment with a 70% pass threshold. Certificate issued on completion.
How the industry assessment works
The industry track ends with a multiple-choice assessment. The pass threshold is 70%, with three attempts available. Your progress, result and completion are recorded in the learning platform.
How the two awards fit together
AML Foundations awards 12 CPD hours. The industry track awards a further 4 CPD hours and its own completion certificate. Complete the core before starting the track.
How this fits with your employer’s training
Safeguarding and AML sit next to each other, but they answer different risks. The course explains where they meet without treating one as proof of the other.
Before your
final exam.
For the AML Foundations core examination. Review the exam instructions and retake conditions in your learning platform before starting.
- Independent work
- This is independent, closed-book work. No AI assistants, course materials, external references or help from another person.
- Confidential content
- Keep questions, scenarios and answers confidential. Do not copy, photograph, screenshot or share examination content.
- One timed sitting
- Plan for one timed sitting. Check the exam instructions for the time limit, permitted breaks and retake conditions.
AML Active
Keep learning. Keep the evidence.
Practical tools, live expert sessions and a record of your continuing development.
Optional membership, separate from your qualification. It never changes the status of a certificate you hold.
Explore membership- Tools for your work
Explore risk. Find original sources. Understand the pattern.
- Live learning and CPD
Learn and connect with an average of 150 professionals per session.
- A short course, each year
One included course credit.
Learner experiences
The foundation of your pathway.
These learners reviewed AML Foundations, the core programme included in this pathway.
For your organisation
One AML baseline.
Relevant to your team.
Give your people the shared core and the industry context they need. Add training tailored to your policies, products and risks, with reporting on learning progress and completion.
Your next step
Build towards specialist responsibilities.
When your role calls for deeper AML analysis and senior specialist responsibilities, explore CASS, our practitioner certification.
Explore CASSOther industry tracks.
Compare your optionsFrequently asked questions
Find the details you need to plan your learning.
Choosing the programme
Do I need previous AML experience?
No. The full pathway includes AML Foundations. Complete the core programme first, then move into the four industry lessons. It also suits professionals moving into this sector who need its business and risk context.
What if I already have AML Foundations?
If you already own the core programme in your learning account, the industry track is €120. You must complete AML Foundations before you can begin the track. Sign in to the same account to see your enrolment option.
What is the difference between an EMI and a bank?
An EMI issues electronic money and provides payment services under a different business and prudential model. The course begins with that distinction before addressing AML risk.
Is this relevant to payment institutions and fintechs?
The course is most relevant to teams whose work involves e-money, wallets, cards and payment flows. It focuses on the EMI business model and its AML risks.
Does it cover agents and distributors?
Yes. The course explains why outsourced distribution changes where customer and transaction information sits while the regulated firm retains responsibility for oversight.
Does it cover safeguarding?
It explains safeguarding because it is central to the EMI model, then keeps it distinct from customer due diligence, monitoring and suspicious-activity controls.
Learning and assessment
How is the pathway delivered, and how long does it take?
Study online at your own pace. The core is listed at around 10 study hours, with approximately four further hours for the industry track. Allow additional time according to your revision and assessment needs. Complete the core before starting the track.
Which language is the industry track available in?
The industry track is taught in English. The included AML Foundations core is available in English and Spanish.
How are the core and industry track assessed?
The core includes chapter knowledge checks, the Analyst’s Desk capstone and a final examination. The four-lesson industry track has its own final assessment. Meet the requirements for each stage to receive its separate award.
See assessment requirementsHow many CPD hours and certificates will I receive?
The core AML Foundations programme awards 12 CPD hours. The industry track awards a further 4 CPD hours and its own completion certificate after you pass its assessment. These are separate awards.
Fees and access
What does lifetime access include?
Where lifetime access is offered, it covers the programme edition you purchased for as long as the Learning Platform operates. Future editions and regulatory refreshes are separate from that purchase. Necessary corrections remain included. The Learning Platform Terms explain access and updates.
Read the access termsWhat support is available while I study?
Contact us for help with your learning account, enrolment or questions about the programme. If you need an accessibility arrangement or have a question about using the platform for an exam, discuss it with us before enrolling.
Contact learner supportCan my employer pay or enrol a team?
Yes. Your employer can order seats for named learners in the learning platform and pay by invoice. For tailored learning or live sessions, talk to us first.
Order seats on invoiceE-money & payments pathway
AML Foundations.
Build your foundation. Apply it to your industry.
€499Total programme fee
AML Foundations core and industry track included.
Complete the core before starting the track.
Create your learning account to continue to enrolment.
E-money & payments pathway
AML Foundations.
Develop your team’s knowledge and judgement.
Learning for your team
Discuss participant numbers, access and your learning needs.
Request a team quotePlan learning around your team’s responsibilities.