AML Policy
Last updated: 2 April 2026 · Playfina Ltd · playfina.team · [email protected]
1. Overview & Legal Framework
Playfina Ltd maintains a comprehensive Anti-Money Laundering and Counter-Terrorist Financing (AML/CTF) programme in full compliance with applicable laws and regulations, including the Financial Action Task Force (FATF) 40 Recommendations, the EU 6th Anti-Money Laundering Directive (6AMLD), and the requirements of our Curaçao eGaming licence (#365/JAZ). Money laundering, terrorist financing, fraud, and any related financial crimes are strictly prohibited on playfina.team. Playfina has appointed a designated Compliance Officer responsible for AML oversight, staff training, regulatory reporting, and the continuous review and improvement of our AML controls. Contact: [email protected].
2. Customer Due Diligence (CDD)
All customers are subject to standard Customer Due Diligence (CDD) procedures prior to withdrawal processing or upon account review triggers. Standard CDD requires: (a) Proof of identity — a valid government-issued photo ID (passport, national identity card, or driver's licence); (b) Proof of address — a utility bill, bank statement, or official correspondence dated within the last 90 days; (c) Proof of payment method — a screenshot or statement confirming ownership of the deposit method used. Full CDD must be completed before any withdrawal exceeding €1,000 is processed. Playfina may apply CDD at any point during the customer relationship, including at account opening, upon large or unusual transactions, or when previous information becomes outdated.
3. Enhanced Due Diligence (EDD)
Enhanced Due Diligence (EDD) is applied to customers classified as higher risk. EDD is triggered by: identification of the customer as a Politically Exposed Person (PEP) or a close associate of a PEP; the customer's country of residence or nationality appearing on FATF high-risk or monitored jurisdiction lists; transaction patterns that are unusual, inconsistent with the stated player profile, or suggestive of layering or structuring activity; and activation of automated AML risk-scoring alerts. EDD requires additional documentation, including evidence of source of funds (payslips, tax returns, bank statements) and source of wealth, and may involve enhanced ongoing monitoring of account activity.
4. Suspicious Activity Reporting & Transaction Monitoring
Our automated transaction monitoring system screens all financial activity in real time against OFAC, EU, and UN sanctions lists, as well as Playfina's proprietary risk scoring models. Transactions are flagged for manual review based on parameters including: deposit amounts inconsistent with the player's known profile; rapid cycling of funds (large deposit followed immediately by withdrawal with minimal play); use of multiple payment methods without clear justification; deposits from high-risk jurisdictions; and any pattern suggestive of structuring to evade reporting thresholds. Flagged transactions are reviewed by our Compliance Officer within 24 hours. Where reasonable grounds for suspicion exist, Playfina will file a Suspicious Activity Report (SAR) with the competent financial intelligence unit and may freeze the relevant account without prior notice to the customer.
5. Record Keeping & Staff Training
Playfina retains all customer identification records, transaction data, and AML investigation files for a minimum of five (5) years following account closure, in strict compliance with applicable anti-money laundering legislation. Records are stored in encrypted, access-controlled systems accessible only to authorised personnel and competent regulatory or law enforcement authorities upon lawful request. All Playfina employees with access to financial or customer data complete mandatory AML/CTF training upon onboarding and receive annual refresher training covering current typologies, red flags, reporting obligations, and sanctions screening. Failure to comply with AML policies constitutes a disciplinary offence. For AML-related enquiries or to report a concern confidentially, contact our Compliance Officer at [email protected].
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