Peut-on externaliser la fonction de responsable LCB-FT ?

L'externalisation de tâches de conformité est possible, dans un cadre précis. L'établissement reste responsable de son dispositif, doit encadrer la prestation par une convention écrite et en contrôler la qualité. Certaines désignations auprès de l'ACPR et de Tracfin obéissent à des règles propres. Nous les examinons ensemble dès le premier échange pour retenir une organisation conforme à votre situation.

Quelle différence entre temps partagé et management de transition ?

Le temps partagé est une présence régulière de quelques jours par mois, sur la durée. Le management de transition est une présence plus soutenue sur une période définie, le temps de recruter ou de passer une échéance.

Pouvez-vous démarrer rapidement ?

Oui. Le premier échange permet de comprendre votre situation et de proposer un démarrage adapté à vos échéances.

Travaillez-vous avec nos équipes ou à leur place ?

Avec elles. Je pilote le dispositif et je m'appuie sur vos équipes opérationnelles, que je forme et accompagne. L'objectif est que votre dispositif fonctionne aussi après mon départ.

Pouvez-vous nous aider à recruter notre futur responsable ?

Oui. Je peux contribuer à la définition du poste, à l'évaluation des candidats et à la passation.

Notre situation restera-t-elle confidentielle ?

Oui. La confidentialité est une condition de base de toute intervention, et un accord de confidentialité (NDA) peut être signé avant le premier échange détaillé.

Outsourced or interim AML/CFT Officer

Your institution must have an anti-money laundering and counter-terrorist financing framework led by a competent, available person who can answer to the supervisor. When this position is vacant, being recruited for, or too heavy for your teams, the risk does not go away.

I act as AML/CFT and sanctions officer on a part-time basis or as an interim manager. I run your framework day to day, document it and leave behind evidence and an audit trail that your successor, your auditors and the ACPR (the French banking supervisor) can follow.

Is this your situation?

• Your compliance officer has left or is about to leave, and recruitment will take several months.

• Your licence application is under way and you need to present a credible AML/CFT organisation.

• Your business is growing fast (new countries, new products, new partners) and your framework is no longer keeping up.

• Your company is young or small, and you want to entrust this mandatory function to a senior professional, at a pace that fits your business.

• Your team is under pressure (alert backlogs, overdue periodic reviews, a reporting deadline) and needs an experienced lead.

• Your parent company is abroad and needs a local relay who knows French supervisory expectations.

This service is primarily designed for payment institutions and e-money institutions. It is also suited to banks, credit institutions and insurers that need interim support.

What I take on

• Running the AML/CFT and sanctions framework, working with senior management and committees.

• The risk assessment and how it translates into due diligence measures.

• Policies and procedures, keeping them up to date and consistent with practice.

• Oversight of customer due diligence, beneficial ownership and periodic reviews.

• Transaction monitoring and alert handling, with every decision traceable.

• Case analysis and the preparation of suspicious transaction reports, in line with your institution's governance.

• The asset freezing and sanctions screening framework.

• Ongoing controls, reporting to senior management and annual regulatory returns.

• Training for your teams and senior management.

• Preparing your exchanges with the ACPR and with Tracfin (the French financial intelligence unit).

Two formats

Part-time. A few days a month, with a regular presence and fixed check-ins. This format suits young or small companies that want to entrust this mandatory function to a senior professional, at a pace that fits their business, or that want experienced support alongside a junior team.

Interim management. A sustained presence for a defined period, to recruit, stabilise the framework or meet a deadline. This format suits unexpected departures, licence applications and periods of heavy regulatory pressure.

In both cases, the rules are set from the outset in a written agreement covering scope, delegations, access, reporting arrangements and confidentiality.

How the engagement works

1. Scoping. An initial call to understand your business, your risks, the state of your framework and your deadlines, followed by a tailored proposal.

2. Taking over. A rapid review of the existing framework, ongoing files and pending alerts, and agreement on priorities with senior management.

3. Running the framework. Day-to-day management, committees, reporting, controls and handling of sensitive matters, with a shared tracking dashboard.

4. Handover. A complete handover file for your future officer or your team, with up-to-date procedures, documented decisions, evidence and an audit trail. I can also help recruit my successor.

What remains your responsibility

Outsourcing a function does not transfer responsibility. Your institution and its senior management remain accountable to the supervisor for the AML/CFT framework. My role is to make it work, make it demonstrable and give you a clear view of the risks and the decisions to be taken. Your institution's oversight of the service is part of the arrangement, and I help you organise it.

What drives the scope

Every situation is different. The scope depends in particular on

• your business, products and countries of operation;

• the volume of customers, transactions and alerts;

• the state of the framework and existing documentation;

• the internal resources available;

• your deadlines (licence, inspection, reporting, recruitment).

This is why each engagement is based on a proposal built after an initial call, tailored to your context. You receive it within 48 hours of our call.

Why Studio Compliance

• 25 years of experience in compliance and financial crime prevention, across traditional banking and fintech.

• Direct experience of running compliance as an interim manager and of remediation under ACPR supervision.

• Hands-on knowledge of payment and e-money institutions.

• CAMS certified (Certified Anti-Money Laundering Specialist) and board member of the ACAMS France Chapter.

• A pragmatic approach, with actionable, prioritised and documented recommendations.

• Strict confidentiality, with a non-disclosure agreement (NDA) available from the first detailed discussion.

Frequently asked questions

Can the AML/CFT officer function be outsourced?

Outsourcing compliance tasks is possible within a defined framework. The institution remains responsible for its framework, must govern the service through a written agreement and must oversee its quality. Some appointments with the ACPR and Tracfin follow specific rules. We review them together from the first call to choose an organisation that complies with your situation.

What is the difference between part-time and interim management?

Part-time means a regular presence of a few days a month, over time. Interim management means a more sustained presence for a defined period, to recruit or to meet a deadline.

Can you start quickly?

Yes. The initial call helps me understand your situation and propose a start that fits your deadlines.

Do you work with our teams or instead of them?

With them. I run the framework and rely on your operational teams, whom I train and support. The goal is for your framework to keep working after I leave.

Can you help us recruit our future officer?

Yes. I can help define the role, assess candidates and organise the handover.

Will our situation remain confidential?

Yes. Confidentiality is a basic condition of every engagement, and a non-disclosure agreement (NDA) can be signed before the first detailed discussion.

A vacant position, a licence, a deadline?

An initial call is the best way to review your framework and define the most suitable organisation. Write to contact@studio-compliance.com or use the contact form.