ManagoraMANAGORA
ESEN
Obliged entities under Ley 10/2010: estate agencies, advisory firms and gestorías (administrative services firms), jewellers, bureaux de change, foundations and crypto-asset businesses (CASP)

Your company in good standing with SEPBLAC, without building a compliance department.

Your anti-money laundering compliance, run by us: a tailored prevention manual and risk assessment, appointment of your representative before SEPBLAC (the Spanish financial intelligence unit), customer due diligence (KYC) and suspicious transaction detection procedures, the mandatory annual external audit, staff training and the beneficial ownership declaration. We adapt your system to the new European Regulation (AMLR), applicable from July 2027.

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Who it is for and what you need

Anti-money laundering compliance (Ley 10/2010) done by us, including your representative before the SEPBLAC (Spanish anti-money laundering authority). If your company is an obliged entity, the law requires a whole living system, not a one-off document.

Which businesses this is for
Estate agents and property developers
Agencies and professionals in the sale and letting of property.
Advisory firms, gestorías (administrative agencies) and professional practices
Tax, accounting, corporate and administrative advisers.
Jewellers and high-value goods traders
Precious metals and stones, art and antiques.
Crypto firms, bureaux de change and foundations
Crypto-asset service providers (CASP), currency exchange and non-profit entities.
Requirements
Manual and risk assessment
Procedures tailored to your specific activity, not a template.
Representative before the SEPBLAC
The person appointed as point of contact and internally responsible for compliance.
Customer due diligence (KYC)
Identification of the client, the beneficial owner and the purpose of the relationship.
Annual external audit
Mandatory independent review of the system every year.
Training and reporting
Staff training and the reporting of suspicious transactions (DOS and DMO).
What we do for you
We draft the anti-money laundering manual and the risk assessment, tailored to you.
We appoint the representative and notify the SEPBLAC.
We put the due diligence and detection procedures in place.
We coordinate the annual external audit and the staff training.
We file the beneficial ownership declaration with the Registro Mercantil (Commercial Registry).
Key facts
Legislation
Ley 10/2010 and RD 304/2014; Travel Rule (Reg. UE 2023/1113).
Supervisor
SEPBLAC (Servicio Ejecutivo, Banco de España).
Penalty
Up to 10 million euros or 10% of annual turnover for very serious infringements.
Next wave
The European AMLR Regulation, applicable from 10 July 2027.
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The problem

The fine reaches 10% of turnover
Very serious infringements of Ley 10/2010 reach 10 million euros or 10% of annual turnover.
It is not a piece of paper, it is a living system
Manual, risk assessment, KYC on every client, annual audit and training: all of it has to be maintained throughout the year.
From 2027 the rules change
The European AMLR Regulation tightens KYC and requires the manual to be reworked: a second wave of work.
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What we take off your hands

Tailored manual and risk assessment
Drafted for your specific activity, not a generic template.
Representative before SEPBLAC
We appoint them and notify SEPBLAC on your behalf, and we act as your point of contact.
Annual external audit included
The mandatory review of the system, carried out and documented every year.
Ongoing compliance, not a one-off
Training, updates and adaptation to the 2027 AMLR: we handle it continuously.
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How it works

01

You provide the paperwork

Through the website or integrated with your own software. Your team learns nothing new.

02

We spot the problems

We apply the rules and the case-by-case detail of each filing before we submit it.

03

We prepare the file

We calculate, fill in and leave every procedure ready to be filed.

04

We file it

We file it in your name and hand you back the official acuse (filing receipt).

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Included in your plan

You do not need to know which procedure applies to you: we identify it and we file it for you.

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