In recent years, the fight against money laundering and terrorist financing has become a priority for the European Union. With the increasing sophistication of criminal networks, authorities have relied on the implementation of advanced technologies to detect fraudulent operations and prevent illicit money from entering the financial system.

The role of technology in the fight against money laundering

Money laundering has evolved along with technological advances. Criminals have found new ways to hide their operations through cryptocurrencies, digital platforms and decentralised financial systems. Against this background, Europe has decided to strengthen its control and supervision strategies through innovative tools, such as:

1. Artificial Intelligence and Machine Learning

Banks and supervisory bodies are implementing artificial intelligence (AI) systems capable of analysing large volumes of data in real time. These algorithms make it possible to:

• Detect fraud patterns in suspicious transactions.
• Reduce false positives in financial monitoring.
• Predict and anticipate illicit activities through risk models based on machine learning.

This approach has been key in detecting fraudulent operations in financial markets, where the volume of daily transactions makes effective manual review impossible.

2. Blockchain and traceability of transactions

Blockchain technology has been one of the most disruptive tools in the prevention of money laundering. Its ability to provide transparency and immutability in financial records allows for greater control over high-risk transactions.
Europe is promoting the use of blockchain in key sectors such as:

• Banking and digital payments: to ensure traceability of funds.
• Cryptocurrencies: with new regulations requiring greater transparency in exchanges and digital wallets.
• Smart contracts: to automate regulatory compliance in financial transactions.

3. Big Data and financial forensics

Financial authorities are turning to big data to analyse millions of transactions in real time and detect suspicious transactions. This massive data analysis is combined with financial forensic techniques, which make it possible to:

• Identify links between shell companies and criminal structures.
• Reconstruct laundering networks using historical data analysis.
• Optimise international cooperation in the fight against financial crime.

New European anti-money laundering regulations

In addition to the implementation of new technologies, the European Union is reinforcing its regulatory framework with stricter anti-money laundering regulations. Among the most recent measures are

• Regulation on Cryptoassets (MiCA): establishes more stringent rules for cryptocurrency platforms and obliges the identification of users in suspicious transactions.
• New European Anti-Money Laundering Authority (AMLA): responsible for coordinating and supervising the application of the regulation in all Member States.
• Greater control over ‘bridge banks’ and neobanks: to prevent them from being used as money laundering channels.

Conclusion: A future with stronger financial supervision and control

Money laundering remains a global threat, but with the introduction of new technologies and the strengthening of the regulatory framework, Europe is leading the way towards a more transparent and secure financial system.

Companies and financial institutions will have to adapt to this new environment of greater control and supervision, investing in technological solutions that allow them to comply with current regulations and avoid sanctions.

At sfabogados.com, we closely follow the evolution of these regulations and offer specialised legal advice to ensure regulatory compliance in the financial and business sphere.

Legislation:

MiCA Regulation (Regulation (EU) 2023/1114): This Regulation establishes a regulatory framework for cryptoasset markets in the European Union.

Regulation (EU) 2024/1620: This Regulation establishes the Anti-Money Laundering and Combating the Financing of Terrorism Authority (AMLA).

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Why is the EU regulating Artificial Intelligence?

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When the new Foreigners' Regulations come into force on 20 May 2025, students will be able to obtain a long-term residence permit for these studies:

Without prejudice to the above, it should be noted that, in addition to the general cases of residence permits (i.e. temporary non-profit residence, residence for family reunification, residence for nationals of a Member State of the European Union, ...), the Entrepreneurs Act itself provides for other types of permits of a similar nature. Thus, there are currently the following options:

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