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LU PwC EMEA AML Survey 2026

Header LU PwC EMEA AML Survey 2026.

Summary

PwC’s EMEA AML Survey 2026 shows many institutions are unprepared for the EU AML Package, with major gaps in impact assessment, operating models and digital tools.

21/05/2026

Many financial institutions continue to underestimate the impact of the new EU AML Package and the establishment of the AMLA. The newly published PwC EMEA AML Survey 2026 makes this clear. With the July 2027 deadline approaching, only one‑third of institutions in Luxembourg expect to be fully prepared.

𝐊𝐞𝐲 𝐟𝐢𝐧𝐝𝐢𝐧𝐠𝐬 𝐢𝐧𝐜𝐥𝐮𝐝𝐞:
- 59% of institutions have not yet fully assessed the impact of the EU AML Package.
- 42% have no plans to update their AML operating model.
- 40% still rely on fully manual risk assessments.
- 59% do not use digital tools to detect forged or falsified documents.

While the sector acknowledges the upcoming regulatory shift and its effects, concrete action is lagging behind, increasing the risk of operational pressure, compliance gaps, and rising costs as the July 2027 deadline approaches.

Want to prepare for the new EU AML package? Read more on how to prepare best: www.reglab.com/en/amlr-proof

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