Customer jurisdiction
United Kingdom
- ML/TF exposure
- FI counterparty risk
2026 edition
Specialist certification
CASS.Certified Anti-Money Laundering Senior Specialist
€959Total programme fee
or pay in 2 instalments
Enrol in CASS and pay in 2 instalments: €479.50 today, €479.50 in a month. 0% interest, no feesCreate your learning account to continue to enrolment.
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What your programme fee includes
Your programme fee covers the learning and assessment. Module assessments can be retaken as often as needed; the final examination allows up to three attempts.
Any additional attempt is listed separately in the learning platform.
- CPD hours
- 45Over a recommended 5–6 weeks
- Learning modules
- 1154 lessons
- Decision simulators
- 10Practise your judgement
- Course-material access
- Lifetime.Revisit what you have learned
Put your judgement into practice.
Explore how jurisdiction risk, investigation and clear reporting inform one another. Build the judgement to connect the evidence and explain a supported conclusion.
Applied learningCompare jurisdiction risk.
Compare ML/TF exposure and financial-institution (FI) counterparty risk across the jurisdictions in a case.
Jurisdiction reference · AML Active toolkit, July 2026 snapshot
Beneficial-owner jurisdiction
British Virgin Islands
- ML/TF exposure
- FI counterparty risk
Payment destination
Seychelles
- ML/TF exposure
- FI counterparty risk
From evidence to assessment.
Develop the judgement to weigh an explanation against the records that support it.
Machinery wholesaler
Expected monthly outflows
USD 30–45kConsultancy payments
Not declared at onboarding
Not declared at onboarding
One consultancy payee
Six payments · 22 Jan–19 Mar
USD 297,500“Market-entry work”
The customer describes consultancy for East Africa and the Gulf.
Supporting material
Agreement and remittance advice
Agreement and remittance advice
Evidence and judgement
A supported assessment of the activity
The ability to connect activity with a business profile, evaluate supporting records and identify what remains unresolved.
Still to establishA conclusion others can follow.
Develop clear reporting that connects the evidence, the concern and the reasoning.
Observed · E02
Six payments. One beneficiary.
Dates, value and counterparty, drawn from the account record.
Explained · E08
The customer’s stated purpose
Market-entry consultancy, attributed to the customer.
Unresolved · E04, E09
The evidence still needed
Ownership and corroboration of the services provided.
SAR narrative · working extractA clear account.
A traceable basis.
Between 22 January and 19 March, the customer paid USD 297,500 to a single beneficiary in six payments.E02
The customer states that the payments relate to market-entry consultancy in East Africa and the Gulf.E08
The available records do not yet substantiate the services or resolve beneficial ownership.E04 · E09
Reasoned escalation for human review
1 of 3 · Risk intelligenceChoose a view to explore
A preview of the skills developed through applied learning. The records illustrate a learning process; they are not a live assessment.
The skills you’ll develop.
Develop the judgement to assess risk, investigate activity, document a supported decision and evaluate how the control framework is working.
22mapped skills across 6 areas
- 01Build the knowledgeUnderstand what matters and why.
- 02Put it into practiceWork through relevant decisions.
- 03Review the evidenceSee what to develop next.
Example skills profile, with sample data. The learner’s lowest skill, STR/SAR quality & reporting at 64%, holds their portfolio level at Foundation. After the Suspicious Activity Reporting module and passing the SAR/STR Drafting Workstation simulator with 84%, it rises to 74%. Every skill is then at 70% or above, and the Practitioner award unlocks.
Explore the complete skills map 6 areas · 22 mapped skills
01Risk assessment & rating
Turn risk information into a reasoned assessment.
Weigh customer, product and geographic factors. Consider whether the assessment and the resulting controls fit the situation.
- Analyse exposure
- Evaluate the response
- Learn it
- Risk AssessmentGovernance and Compliance Structure
- Practise it
- New MLRO — First 30 DaysDeputy MLRO — The Corridor Run
02Due diligence & KYC
Test whether the customer picture holds together.
Assess the information behind a relationship and identify gaps in the due diligence process. Explain what needs further review and why.
- Analyse information
- Evaluate control gaps
- Learn it
- Know Your Customer
- Practise it
- Digital Onboarding FailureThe QA Finding
03Monitoring & typology analysis
Connect activity into a meaningful pattern.
Look beyond an isolated alert. Compare activity, customer context and known typologies to decide what the pattern warrants.
- Analyse patterns
- Evaluate competing explanations
- Learn it
- Threats, Typologies, and ProductsTransaction Monitoring and Investigation
- Practise it
- 38 Accounts
04STR/SAR quality & reporting
Write a report that makes the reasoning clear.
Organise the relevant facts, articulate the basis for suspicion and build a coherent narrative that another professional can follow.
- Apply reporting principles
- Analyse evidence
- Evaluate the narrative
- Learn it
- Suspicious Activity Reporting
- Practise it
- SAR/STR Drafting Workstation38 Accounts
05Sanctions & crypto-asset risk
Connect exposure to a defensible response.
Examine sanctions-related and crypto-asset risks, the limits of the available evidence and the implications for further review or reporting.
- Analyse the exposure
- Evaluate the next step
- Learn it
- ML, TF, PF, and the Regulatory FrameworkSector-Specific Risk
- Practise it
- Trace & Decide — Crypto-Asset Lifecycle
06Governance & regulatory judgement
Assess how well the compliance framework works.
Consider ownership of controls, the quality of assurance and the response to findings. Prioritise actions and explain them to the people responsible.
- Evaluate priorities
- Defend a judgement
- Learn it
- Governance and Compliance StructureProgram Health Assessment
- Practise it
- Regulatory Examination ResponseThe Audit Report
The subject and thinking skills developed in this programme. Explore the focus areas above to see what you will learn to do.
Subject skills
- Risk Assessment
- Customer Risk Rating
- Typology Recognition
- Due Diligence & KYC
- Transaction Monitoring
- STR/SAR Quality
- Reporting & Escalation
- Regulatory Frameworks
- Three Lines of Defence
- Regulatory Engagement & Examinations
- AML Training & Awareness Design
- Sanctions Compliance & Screening
- Emerging Risk Horizon-scanning
- Predicate Offence Typologies
- Cross-border Cooperation
- Terrorist Financing
- Proliferation Financing
- Crypto-Asset Risk & Tracing
- Sanctions Evasion Investigation
Thinking skills
- Application
- Analysis
- Evaluation
Build your skills.
Make your progress visible.
Develop a balanced compliance skill profile through assessed learning. Progress from Foundation towards Platinum distinction, with awards that recognise the standard you demonstrate.
- BronzeFoundation60% in every skill
- SilverPractitioner70% in every skill
- GoldMastery80% in every skill
- PlatinumDistinction90% in every skill
Each level requires at least the recorded score shown for it in every skill covered by the portfolio criteria. These awards recognise your skill profile across eligible learning. Completing CASS does not automatically award a portfolio level or Platinum distinction.
4 other learning achievementsLearning milestones and consistency
Learning milestone
First Steps
Complete your first module on any programme.
Learning consistency · Silver
Intensive Learner — 7 days
Record qualifying learning activity on 7 consecutive days.
Learning consistency · Gold
Intensive Learner — 14 days
Record qualifying learning activity on 14 consecutive days.
Learning consistency · Platinum
Intensive Learner — 30 days
Record qualifying learning activity on 30 consecutive days.
Learning achievements are separate from the CASS certificate. Each award has its own criteria; eligibility follows your learning catalogue and recorded activity.
Know what
you’ll learn.
Build your understanding, apply it to a decision, then test what you’ve learned.
How you study
Study online at your own pace. Work through the lessons, apply your knowledge in realistic cases and decision simulators, then complete the module assessments and final examination.
- Modules
- 11
- Lessons
- 54
- Simulations
- 10
Explore the modules, learning outcomes and assessment requirements before you register.
ML, TF, PF, and the Regulatory FrameworkUnderstand how money laundering, terrorist financing and proliferation financing shape detection and control decisions.
- The Laundering Cycle and What It Means for Detection
- How the AML/CTF Framework Evolved
- When Controls Fail: Consequences for Institutions and Practitioners
- Terrorist Financing Mechanics
- TF Evolution and Detection Gaps
- TF Enforcement and the Sanctions Dimension
- Detecting ML, TF, and PF Differently
- Proliferation Financing and Export Control Risk
- Running a Sanctions Compliance Program
Module assessment · 70% to pass · Unlimited attempts
Threats, Typologies, and ProductsRecognise how products, payment flows and crypto-assets are exploited, and evaluate the patterns that warrant attention.
- How Criminals Choose Products — The Vulnerability Framework
- Products and Services — How Criminals Exploit Them
- Roles in the Laundering ProcessSimulation · about 15 min
38 Accounts
Evaluate account and transaction patterns to recognise laundering roles and support an escalation decision.
Pass the simulator’s stated threshold to continue.
- Fraud, Predicate Offenses and What They Mean for Detection
- ML Cases and Judgment Calls
- Emerging Threats Your Controls May Not Cover
- TF Detection Differences
- TF Products and Channels
- TF Cases and Judgment Calls
- Crypto-Asset Laundering: Tracing the LifecycleSimulation · about 30 min
Trace & Decide — Crypto-Asset Lifecycle
Trace a crypto-asset lifecycle and weigh the risk indicators behind your next decision.
Pass the simulator’s stated threshold to continue.
Module assessment · 70% to pass · Unlimited attempts
Governance and Compliance StructureDesign and assess a compliance programme, with clear responsibilities across the three lines of defence.
- Translating Risk Principles into Control DecisionsSimulation · about 15 min
Deputy MLRO · The Corridor Run
Assess corridor risk and connect your control decisions to the responsibilities of the MLRO function.
Pass the simulator’s stated threshold to continue.
- Compliance Program Design and AssessmentSimulation · about 15 min
New MLRO — First 30 Days
Evaluate a compliance programme and prioritise the risks that need the MLRO’s attention.
Pass the simulator’s stated threshold to continue.
- The First Line of DefenseSimulation · about 15 min
The QA Finding
Assess a due diligence control finding and decide how the first line should respond.
Pass the simulator’s stated threshold to continue.
- The Second Line of DefenseSimulation · about 15 min
The 60-Day Review
Evaluate the second line’s oversight and the quality of the evidence supporting its review.
Pass the simulator’s stated threshold to continue.
- The Third Line of DefenseSimulation · about 15 min
The Audit Report
Connect audit findings with a clear, supported reporting and escalation response.
Pass the simulator’s stated threshold to continue.
- Training That Changes Behavior
- Building and Testing a Compliance Culture
- External Oversight and Regulatory Engagement
Module assessment · 70% to pass · Unlimited attempts
Risk AssessmentBuild a defensible risk assessment and test how its assumptions translate into controls.
- What Makes a Risk Assessment Defensible
- Conducting the Enterprise-Wide Risk Assessment
- The Five Risk Dimensions
- Building and Validating the Scoring Model
- Risk Assessment Cases and Judgment Calls
Module assessment · 70% to pass · Unlimited attempts
Know Your CustomerEvaluate customer identity, ownership and activity to make proportionate due diligence decisions.
- The KYC Control Chain
- Identification and VerificationSimulation · about 15 min
Digital Onboarding Failure
Examine a digital verification failure and evaluate its implications for customer risk and controls.
Pass the simulator’s stated threshold to continue.
- Standard CDD as an Analytical Process
- Enhanced Due Diligence
- Assessing PEP Risk Without De-Risking
- Seeing Through Ownership Structures
- When Simplified Due Diligence Is Appropriate
- Ongoing CDD and Periodic Review
- KYC Cases and Judgment Calls
Module assessment · 70% to pass · Unlimited attempts
Transaction Monitoring and InvestigationConnect monitoring scenarios, evidence review and the decision to close or escalate an alert.
- Monitoring as a Control System
- Designing, Calibrating, and Testing Scenarios
- From Alert to Decision
Module assessment · 70% to pass · Unlimited attempts
Suspicious Activity ReportingDecide when to report, write a useful SAR or STR and manage the work that follows.
- Making the Reporting Decision
- Writing SARs That Investigators Can Use
- Post-Filing Management and Authority Communication
Module practice
Simulation · about 45 min
SAR/STR Drafting Workstation
Turn case evidence into a clear SAR or STR narrative, separating facts, concerns and the reporting rationale.
Pass the simulator’s stated threshold to continue.
Module assessment · 70% to pass · Unlimited attempts
Sector-Specific RiskAdapt controls to financial and non-financial sectors and their particular risks.
- Adapting Controls to Financial Services Sectors
- Non-Financial Sectors in Your Customer Base
Module assessment · 70% to pass · Unlimited attempts
International Cooperation and Information SharingUse international standards, intelligence and information-sharing arrangements in practice.
- Using International Standards and Intelligence in Practice
- Information Sharing and Public-Private Partnerships in Practice
Module assessment · 70% to pass · Unlimited attempts
Technology and AI in AMLEvaluate AML technology and use AI with appropriate oversight.
- Technology Governance for AML Tools
- Using AI Safely in AML Work
Module assessment · 70% to pass · Unlimited attempts
Program Health AssessmentAssess the health of a compliance programme and prepare for regulatory scrutiny.
- Program Health Assessment
Module practice
Simulation · about 15 min
Regulatory Examination Response
Evaluate programme evidence and prepare a response that addresses a regulator’s findings.
Pass the simulator’s stated threshold to continue.
Module assessment · 70% to pass · Unlimited attempts
Standards & regulatory coverage
A global foundation.
Local regulatory insight.
Build AML expertise for work across borders. Connect international FATF principles with EU, UK and US approaches, and understand where local requirements differ.
International foundation
FATF Recommendations
- Risk-based approach
- Customer due diligence
- Beneficial ownership
- Monitoring
- Suspicious activity reporting
European Union
AMLR, AMLA’s role, and relevant technical standards (RTS) and guidelines.
Draft standards are distinguished from adopted requirements.
United Kingdom
Compliance responsibilities, risk assessment, customer due diligence and suspicious activity reporting in the UK context.
United States
Compliance controls, customer due diligence, monitoring and suspicious activity reporting in the US context.
Where this appears in the curriculum
- Module 1 · Regulatory frameworkHow the AML/CTF framework evolved, the consequences of control failures and the sanctions dimension.
- Module 3 · GovernanceCompliance programme design, oversight and regulatory engagement.
- Module 9 · International cooperationUsing international standards, intelligence and information-sharing arrangements in practice.
Studying or working elsewhere? Use the international principles as your foundation, alongside the current requirements in your jurisdiction and your organisation’s procedures. CASS provides a comparative overview, not an exhaustive account of every country’s laws.
Demonstrate what
you’ve learned.
Check your understanding throughout the programme, then bring your knowledge together in the final examination.
Module assessments
Each of the 11 modules includes an assessment. Pass it to continue. You can revisit the learning and try again as often as you need.
- Pass threshold
- 70%
- Attempts
- Unlimited
Decision simulators
Simulators also count towards progression. Meet the passing threshold shown for each required simulator before continuing.
- Pass threshold
- Set per simulator
- Progression
- Pass required
Final examination
Pass the required module assessments and simulators before beginning your final examination in the learning platform.
- Time allowed
- 180 minutes
- Pass threshold
- 75%
- Attempts
- Up to 3
Before your
final exam.
Review the exam instructions and applicable 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
- Complete the exam in one sitting. Brief water or restroom breaks are permitted; the timer continues.
See the achievement
before you begin.
Explore the CASS certificate and its public credential page: the issuer, earning criteria and ways to share your achievement.
Your designation
Certified Anti-Money Laundering Senior Specialist
CASS
Your certificate does not expire.
It is issued when you pass and records your achievement on that date.
CPD Standards Office
45 CPD hours · Provider 50475
Recognition & standards
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.
Our SME team.
Subject-matter expertise from compliance, financial intelligence and investigation.
Viktor Tkatsenko
Subject-matter expert
Geert Delrue
Subject-matter expert
Igoris Krzeckovskis
Subject-matter expert
Merit Leib
Subject-matter expert
Ąžuolas Šopa
Subject-matter expert
Graeme Hampton
Subject-matter expert
Andrei Sribny
Co-founder · Instructor
Perspectives from CASS learners.
4.9 out of 5
The average of 587 end-of-course ratings, to .
Frequently asked questions
Find the details you need to plan your learning.
Choosing the programme
Is CASS right for me, or should I start with AML Foundations?
CASS is for AML and compliance professionals developing specialist and senior responsibilities. If you are new to financial crime, AML Foundations provides a structured introduction. Choose by your existing knowledge and the work you need to do.
Compare programmesIs CASS relevant to my jurisdiction?
CASS covers the international AML/CFT framework and EU, UK and US regulatory contexts. It develops skills in risk assessment, due diligence, monitoring and reporting that you can apply alongside your local requirements. Coverage varies by topic; the programme does not provide a complete account of every jurisdiction’s rules or replace your organisation’s procedures. Studying a framework does not mean the programme is approved by its regulator.
Explore regulatory coverageWhat credential will I receive?
After meeting the programme’s completion requirements, you receive the Certified Anti-Money Laundering Senior Specialist certificate with 45 CPD hours. Its public credential page allows others to verify the award. A training certificate does not itself grant a regulatory licence or appointment.
Explore the certificateDoes my certificate expire, and is membership required?
Your certificate does not expire. It records your achievement on its issue date. AML Active is optional continuing development. Membership is separate from the qualification and does not change the status of a certificate you have earned.
Explore optional membershipLearning and assessment
How is CASS delivered?
Study online at your own pace. Work through the lessons, practise with realistic cases and decision simulators, then complete the required module assessments and final examination.
Explore the curriculumWhich languages can I study CASS in?
You can study CASS in English, French or Spanish. The lessons, decision simulators and assessments, including the final examination, are available in each. Choose your language in the learning platform; you can change it at any time. Videos have subtitles in French, Spanish, German and Portuguese. The certificate is issued in English.
How much time should I set aside?
Plan about 45 hours of study over a recommended 5–6 weeks, across the 11 modules, 54 lessons and 10 decision simulators, including revision and assessment. The timeline is a recommendation, not a deadline. Your experience and pace affect the time you need.
How do the assessments and final exam work?
Pass the module assessments and required simulators before the final examination. Module assessments require 70%; simulator requirements are shown in the activity. The final examination allows 180 minutes and requires 75%. Review the exam instructions before starting.
See assessment requirementsWhat happens if I do not pass?
You can revisit the learning and retake module assessments as often as needed. The programme includes up to three final-exam attempts. Check the learning platform for applicable waiting periods and the price of any additional attempt before booking it.
What 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 supportFees and access
What does the programme fee include?
The programme fee covers the learning materials, module assessments, decision simulators and up to three final-exam attempts. Your certificate is issued when the completion requirements are met. Any additional exam attempt is listed separately in the learning platform.
View enrolment optionsCan I pay in instalments?
Available plans are shown during enrolment. Instalments use the standard programme price; promotional codes and member discounts apply to payment in full only. Learning access starts after your first successful payment. The final exam and certificate require full payment and the programme’s completion requirements.
Read instalment termsWhat 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 termsCan 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 invoiceSpecialist certification
CASS.
Assess risk, investigate activity and explain your decisions.
€959Total programme fee
or pay in 2 instalments
Enrol in CASS and pay in 2 instalments: €479.50 today, €479.50 in a month. 0% interest, no feesUp to three final exam attempts included.
Certificate issued on passing. Does not expire.
Create your learning account to continue to enrolment.
Specialist certification
CASS.
Develop your team’s knowledge and judgement.
Learning for your team
Order seats for named learners in the learning platform, and we invoice your organisation.
Order seats on invoiceTailored learning or live sessions? Request a team quote.