Success Stories | CAML NEW

CASE STUDIES · RESULTS

What We've Delivered
for Real Clients

Three engagements. Three outcomes. All metrics documented and verifiable. Client details anonymized where requested by NDA.

Three Engagements. Three Outcomes.

Each case study represents a real engagement. Metrics are documented. Client details are anonymized where requested.

AML OUTSOURCING · EMI

0

Regulatory Findings

10 wks

Deployment Time

45%

Cost vs. In-House

10×

Penalty Reduction

Zero Findings at First Bank of Lithuania Inspection

Lithuanian EMI · €600k Fine Reduction · Pre-inspection / Backlog engagement · 2025

A Lithuanian e-money institution with a rapidly growing customer base — 150,000 active accounts — engaged CAML eight months after their first Bank of Lithuania compliance inspection. Their existing AML documentation had been assembled internally without regulatory expertise and contained gaps in workflow design, transaction monitoring thresholds, CDD policy calibration, and compliance architecture. When undergoing the work, we both delivered a new training methodology and the function-focused SOP. The EMI set out KPI was overachieved by 30%+, allowing the Regulator to streamline through the findings.

CAML conducted a full gap assessment in the first three weeks, then rebuilt the AML framework: policy documents, calibrated TM thresholds matched to the client's actual transaction profile, tech-stack integration recommendations, and FNTT-ready reporting workflows. Full deployment completed in 10 weeks. The Bank of Lithuania inspection produced zero regulatory findings. Comparing to the previous inspection a year prior the fine decreased by almost 10 times.

“CAML deployed their team within a week and worked on our full AML framework for 10 weeks. The BoL inspection found zero deficiencies. That result would have taken us 12 months, a much higher fine, and five full-time hires to achieve in-house.”

— CEO · Lithuanian EMI, 150,000 customers

AIFM LICENSING · US RIA

4.5mo

Authorization

70%

Less than Lux

14

EU LPs Protected

€65k

Total Setup Cost

US Private Equity Fund — EU AIFM Registered in 4.5 Months

EUR 200M AUM · To Solicit EU Investors · AIFMD II enforcement deadline · 2025–2026

A US-based private equity manager with USD 200M AUM and 14 EU institutional limited partners faced AIFMD II enforcement with no EU legal presence. Their Luxembourg-based legal counsel had quoted €220,000 and a 12–14 month timeline. The fund's existing LP agreements needed to be preserved — a rushed or failed application would have triggered LP redemption rights.

CAML organized company incorporation, completed sub-threshold AIFM registration with the Regulator, and had COaaS operational at launch. The engagement was completed in 4.5 months at a total cost of €65,000 (LITE tier+Extras) — 70% less than the Luxembourg alternative where even Solicitation was not possible. All 14 EU LPs were documented and onboarded through CAML's CDD/EDD framework at first close.

“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. The regulatory deadline was tight, but CAML delivered with weeks to spare.”

— Managing Partner · US Private Equity, USD 200M AUM

MICA · CASP INSPECTION

110

Days of Inspection

6-8%

Expected avg. fine

8x

8x less than avg. FNTT fine

45%

Saved in Labor expense

Identifying Threats and Refining the Inspection process

VASP transitioning to MiCA CASP · Crypto exchange · Bank of Lithuania · 2025-2026

A Lithuanian fintech needed to transition to full MiCA CASP authorization ahead of the grandfathering deadline. The business operated a crypto-to-fiat exchange with approximately 40,000 registered users and had attempted to prepare its own documentation package, which first had to pass FNTT inspection and then National Security Commission review.

CAML conducted a fresh EWRA (Enterprise Wide Risk Assessment), rebuilt the compliance documentation set, and managed all FNTT Q&A during the review period. Set up a strategic defense, based on practical market experience and thorough threat identification, to prevent massive financial exposure for the Fintech. Our intervention transformed a speculative regulatory threat into a manageable inspection process, and significantly reduced the outcome from an expected 8-10% fine down to less then 1%.

“MiCA application process started with many threats, including an inspection, and in less than 110 days CAML managed to assist on both successfully. CAML's team knew every question the regulator would ask and even set up a defensive strategy to manage past, current, and future risks.”

— CCO · VASP transitioning to MiCA CASP

WHO WE SERVE