Interactive Tool
AML Fine Risk Calculator
2025 was a record year for AML enforcement in Europe. Estimate your firm's directional exposure based on real penalties and see which gaps drive the most risk.
1 · Your sector
2 · Annual transaction volume
3 · Control gaps (select all that apply)
Estimated exposure level
MODERATE
Risk score: 41/100
Illustrative penalty range
540K – 2.2M
midpoint 1.2M
Real 2025 enforcement, for reference
9.2M
N26 Bank
Late submission of suspicious activity reports
BaFin (DE)
3.5M
Revolut
AML control deficiencies
Bank of Lithuania
>$1B
Crypto sector
Travel Rule, identity controls, on-chain gaps (2025 total)
Global regulators
Important: This calculator is an educational, illustrative tool based on public enforcement data. It does not predict any actual penalty and is not legal, regulatory, or financial advice. Real outcomes depend on facts, jurisdiction, cooperation, and supervisory discretion. Consult a qualified compliance professional before making decisions.