Masterclass: How Chief Compliance Officers Structure Enterprise Wide AML Programs

A masterclass for chief compliance officers, forensic practice leaders and senior financial crime investigators and regulators who already understand how a single institution's AML program is built and now need to see it from the top of a financial group. A typical Indian group today holds a bank or NBFC, a stockbroker, an asset management company, an insurer, a payments business and often a GIFT IFSC unit or overseas branch. Each is a separate reporting entity under the PMLA with its own Principal Officer and its own regulator, yet customers, money and risk move freely between them. This course is about the decisions that only the group-level CCO makes: choosing a centralised, federated or hybrid operating model, writing a policy hierarchy that works across RBI, SEBI, IRDAI and IFSCA rules, sharing information inside the group within the limits of the PMLA and the Digital Personal Data Protection Act, setting a board-approved financial crime risk appetite, building a single customer view, running overseas operations under the stricter-standard principle, funding and defending the technology stack, reporting to the board, managing several regulators at once, integrating acquisitions and leading the institution through an enforcement action and a multi-year remediation. All institutions and figures in worked examples are illustrative unless a public source is named; rules are stated as at the date of last review.