MiCA · AIFMD II ready
AMLR 2027 ready
AML Teams · Audit · MiCA
AIFMD II · Europe · 4–6 mo
Compliance Costs Keep Increasing.
We Fix That.
CAML provides high-performing AML Teams for Onboarding & Monitoring, AML audits, licensing, and AIFM authorization to 50+ regulated institutions across Europe. We overachieve in-house KPIs by offering senior-level professionals who are battle-tested in performance. Our work is performance fee-based, and we help to integrate high-productive compliance tools where applicable.
45%
Cost Savings
30+
Senior Experts
3x
Cost Savings in AML
2–3 mo
AIFM Authorization
Expertise in Multiple Frameworks
Five regulatory regimes — every CAML engagement is mapped to the relevant frameworks before scope is fixed.
AIFMD II
Reverse solicitation closure (April 2026)
FATF
Recommendations + Lithuania-specific guidance
MiCA
CASP authorization + ongoing supervision
6AMLD
Predicate offences + cross-border supervision
PSD2
EMI / PI / EI obligations + SCA
Institutions Choose CAML for Performance
Six reasons EMIs, AIFMs, MiCA CASPs, and family offices pick us as their compliance partner.
MiCA + AIFM Specialists
Two of the EU's most demanding licensing tracks. CAML has executed on both — repeatedly — with documented first-submission approval rates.
Lithuanian + EU Coverage
Native Lithuanian language & proficiency in English. EU-wide regulatory exposure across MiCA, AIFMD II, AMLR, MiFID ll, PSD3.
30+ Senior Specialists
We are a dedicated team of Auditors, KYC analysts, Transaction Monitoring specialists, Finance and AIFM advisors.
Fixed-Fee Engagements
No surprise hourly bills. Every CAML engagement carries a fixed scope, fixed fee, and fixed timeline. No exceptions.
90+ Fintech Track Record
We have onboarded over 90 EMIs, EIs, VASPs, CASPs, and AIFMs. We know the questions before the regulator asks.
Regulatory DNA
Senior team includes ex-FNTT investigators and BoL-experienced compliance directors. Documents speak the regulator's language.
We Analyze, Consult & Report
Three core practice areas. One four-step engagement model. Every client gets the same disciplined approach.
Consulting
Gap assessments, policy drafting, regulatory readiness reviews, compliance stack. From early-stage scoping to inspection prep.
Reporting
Transaction Monitoring & STR filings, ODD/EDD periodic reporting, Regulatory inspections — all delivered on schedule.
Analysis & Feedback
Transaction monitoring tuning, KYC quality reviews, risk scoring calibration, MLRO performance metrics, Training Methodologies.
Start within 5 Business Days
Take Your 1st Step
01
Discovery
30-min discovery call. We map your obligations, jurisdiction, and timeline.
02
Scope & Quote
Fixed-fee proposal within 48 hours. No surprises, no hourly bleed.
03
Execute
Documentation, MLRO appointment, BoL liaison — handled by senior CAML team.
04
Maintain
Ongoing AML/KYC, regulatory reporting, and inspection readiness retained.
Our Success in last 12 Months
Three engagements. Three outcomes. All metrics documented and verifiable.
Cleared 12 months of High- Risk Backlogs in 10 weeks
Lithuanian EMI · 150,000 active customers · 10 weeks deployment
10x Savings on Penalties · 10-week deployment · 45% cost vs in-house
Fintech Inspection Resulted in less than 1% Fine
Crypto Exchange · FNTT Typical Fines 6-8% · 110 day of inspection
40,000+ Active Customers · 10x Savings on Fines · Rebuilt Risk Management
Typically Lengthy Authorization done in 4.5mo
US Private Equity · EUR 200M AUM · 14 LPs Registered
Sub-threshold AIFM · COaaS operational at launch · 70% Cost Savings compared to Lux
Plug-and-Play AML Team Outsourcing
Start within 1 week of time and clear your Backlogs ASAP. From outsourced AML team to full-stack Compliance Infrastructure.
AML Specialist Outsourcing
Plug a senior CAML team into your operation. Outsourced MLRO, KYC analysts, transaction monitoring, STR filings, and BoL liaison.
MLRO appointment + BoL registration
CDD/EDD operations and case management
FNTT STR filing within 3-hour window
Annual AML effectiveness testing
AML Audit & Internal Assessment
Independent AML audit aligned to FATF, AMLD, and Lithuanian regulatory expectations. 50–80 hour engagement.
Full gap assessment vs. regulatory baseline
Process and control testing
Remediation roadmap with timelines
Optional CAML-led remediation execution
Compliance Integrations
Onboarding, KYC platforms, transaction monitoring, sanctions screening — implementation and tuning.
Ondato / Veriff / Sumsub deployment
TM threshold calibration to risk profile
Sanctions and PEP screening integration
Travel rule compliance implementation
Functional Roles & Sourcing
Permanent compliance hires sourced from CAML's network. From Senior AML Analyst to Head of Compliance.
Job description drafting + interview prep
CAML-vetted shortlist within 3 weeks
BoL fit-and-proper documentation
30/60/90-day onboarding support
AML Audit Know How
Independent, regulator-aligned, and remediation-ready.
Our Expertise
FATF Recommendations, EU AML Directives, AMLR 2027 readiness, BoL inspection methodology — embedded in every audit.
Speed & Action
Most audits delivered in 50–80 hours. Findings classified by severity. Remediation owners assigned in the report.
Audit+ Value
Optional Audit+ tier: CAML's MLRO team executes remediation under fixed-fee scope. Close findings before the regulator returns.”
Full Audit Process
01
Set Objectives & Gather Information
Define scope, objectives, and timeline. Collect key documents, policies, and previous audit reports. Align on what "good" looks like for your specific business model and regulatory context.
02
Assess Controls & Test Compliance
Interviews with compliance and operations staff. Process reviews and sample transaction testing. Identify compliance gaps, weaknesses, and control failures against FATF and Lithuanian regulatory expectations.
03
Deliver Findings & Action Steps
Actionable report with strengths, deficiencies, and prioritized recommendations. Remediation roadmap with timelines. Optional: CAML manages corrective action implementation.
Why AML Audits Are Mandatory in Lithuania
Lithuanian Legal Obligations
EMIs, EIs, CASPs, and AIFMs are required under Lithuanian AML law to conduct independent AML audits. CAML reports are accepted by the Bank of Lithuania and FNTT without exception.
MiCA Requirements for CASPs
Article 67 MiCA requires authorized CASPs to maintain robust internal controls subject to independent review. CAML provides the periodic independent assessments BoL expects in supervisory dialogue.
We are Niche Experts for MiCA
Lithuania has processed more MiCA CASP applications than any other EU member state. CAML knows the BoL standard.
Our Experience
Strong crypto roots since 2017. 30+ industry professionals. Household name clients. Past start-ups grown to medium-large enterprises under our compliance stewardship.
Our Philosophy
Industry expert ecosystem. Wide network — from ex-FNTT officers to Tier-1 banking compliance directors. Every engagement benefits from the collective CAML network.
Our Commitment
Partnerships, employees, and key advisors hold strategic advantages that translate directly into faster BoL approvals and better regulatory standing.
Our Expertise
Professionals in Licensing & Management Consulting. 50+ fintechs, ~100 AML professionals trained. Covered 90% of all Lithuanian Crowdfunding licensing and 1/3 of total active VASP market (2021–2023).
MiCA Licensing Process
EWRA
Enterprise-Wide Risk Assessment. Calibrated to your CASP business model and customer base.
Documentation
16+ documents: AML, Governance, IT Security, Custody, Conflict of Interest, Outsourcing — all BoL-ready.
Submission
Coordinated submission with BoL liaison from CAML. Pre-submission meeting included where needed.
BoL Q&A
We manage every Q&A round with the BoL. Most submissions receive few rounds of re-submission requests.
Authorization
Authorization typically granted within 6-8 months. Operations launch with CAML's COaaS infrastructure.
What Real Presence Means in Practice
What Law-Firms don't Do, but We Do
Talent Sourcing
CAML-vetted compliance hires, BoL fit-and-proper pre-screened, available within 3 weeks.
Physical Office
Vilnius office address service, mail handling, and ad-hoc meeting room access for inspections.
Custom Solutions
From shared MLRO arrangements to full COaaS — tier matched to your AUM, jurisdiction, and ambition.
We are Your EU Gateway —
Investment Managers (AIFM)
Lithuania's setup costs are 50–80% lower than Luxembourg. Authorization in 4–6 months, not 9–18.
Three Reasons to Act
01
AIFMD II: The End of Reverse Solicitation
The loophole that allowed non-EU managers to passively engage EU investors has been systematically dismantled. AIFMD II (Directive EU/2024/927) is enforceable across all 27 EU member states from April 2026. The Article 30a "similar strategy" clause retroactively voids reverse-solicitation defenses.
02
AlterDomus, Checkout.com, Robinhood — They Chose Lithuania
The back office of the world's largest fund administrator is already in Vilnius. Lithuania is a NATO/EU member with proactive regulators and the highest density of fintech licensees in the EU per capita.
03
4–6 Months. Fixed Fee. Bank of Lithuania.
Lithuania's setup costs are 50–80% lower than Luxembourg. Authorization in 4–6 months, not 9–18. Sub-threshold AIFM registration available for managers under €100M — the fastest route to EU market access.
CAML's AIFM Service Architecture =
Less Headache
The Ticket to Play
UAB Incorporation + Specialized AIFM Registration with the Bank of Lithuania.
The AML Engine
EU-specific AML/KYC Framework + Risk Management Advisory + LP CDD/EDD onboarding.
COaaS
Turnkey outsourced MLRO + All BoL Reporting (Annex IV, ad-hoc, periodic).
Engagement Tiers & Pricing
LITE
€45,000
Sub-threshold AIFM under €100M AUM. Fastest route to EU market access. Includes UAB, sub-threshold registration, and 6 months COaaS.
STANDARD
€95,000
Full AIFM authorization. Up to €500M AUM. 4–6 month delivery, complete documentation set, BoL liaison, first-year COaaS included.
ENTERPRISE
Bespoke
Multi-fund manager, structured fund products, regulated depository setup, multi-jurisdiction LP onboarding. Quote within 5 business days.
Latest from the CAML Blog
Field-level analysis from the CAML team — AML, MiCA, AIFM, and EU regulatory shifts.
Our Clients Are Happy for Results &
Extend Partnerships
High Performing, attributed, and industry-anchored.
“CAML deployed our full AML team and cleared our Transaction Backlogs in 10 weeks. The BoL inspection found zero deficiencies. Our regulatory penalty decreased almost 10x from the year prior.”
CEO · Lithuanian EMI
150,000 customers
“We had 14 EU LPs and no EU AIFM. CAML had us registered in Lithuania in 4.5 months at a fraction of what Luxembourg would have cost.”
Managing Partner · US PE
USD 200M AUM
“MiCA documentation in one cycle, team sourcing and selection within a few weeks, and speedy application ready 2x faster than Top4 Law Firms advised us before the engagement. CAML's team knew every question the regulator would ask.”
CCO · CASP
VASP → MiCA transition
About CAML — FAQ
Common questions from prospective clients about scope, timelines, and pricing.
What does CAML actually do?
We are an outsourced AML compliance team for EU-licensed financial institutions and fund managers. Outsourced AML teams, Fractional MLRO, AML audits, MiCA and AIFM authorization. We also advise regulated companies about their AI Compliance tool integrations and assess their DORA compliance to match compliance software with both productive outcomes and the regulatory guidelines.
How is CAML different from a Big 4 audit firm?
Speed, focus, and price. We do not advise on tax, or M&A — we only do AML, MiCA, Governance and AIFM. Fixed fees. Senior staff. No partner-level handoffs.
What does an AML audit cost?
From €8,000 for a small EMI/PSP to €45,000 for a complex CASP or AIFM. Audit fees can be either fixed or work as per hybrid-fee model scoped within 48 hours after an initial discovery call.
Do you work with non-EU clients?
Yes — most of our AIFM and MiCA clients are based in the US, Canada, UAE, Asian or UK. Our deliverable is the EU-licensed entity in Lithuania with a Compliance team to ensure appropriate enforcement measures in accordance to the ESMA & EBA Guidelines.
Can CAML serve as our outsourced MLRO?
Yes. CAML appoints senior MLROs to clients under formal regulatory designation. Each MLRO is pre-screened, with a passed background check, and trained to fit the client compliance infrastructure. Additional manager is added for the 4-eye Quality assurance and replacement during normal absence events (vacation, illness, etc.) thus ensuring non-stop service.
Book a Discovery Call
30 minutes. We map your obligations, jurisdiction, and timeline. Fixed-fee proposal within 48 hours.
Get in Touch
PHONE
+370 600 26147
OFFICE
J. Jasinskio g. 14B-26, LT-01112, Vilnius
RESPONSE
Within 1 business day
CAML
AML compliance outsourcing for EU-licensed financial institutions and fund managers.
Based in Europe, Lithuania.
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Following ESMA & EBA Guidelines · Vilnius, Lithuania