Compliance and risk intelligence for Romania
Regional team. International-grade data.

Romania applies the EU anti-money-laundering framework through Law 129/2019 and its subsequent amendments, which set out customer due diligence, beneficial-ownership identification, record-keeping and reporting obligations for obliged entities. The National Bank of Romania (BNR) supervises credit institutions, payment institutions and electronic money institutions; the Financial Supervisory Authority (ASF) supervises insurance, capital markets and private pensions; and the National Office for Prevention and Control of Money Laundering (ONPCSBB) receives suspicious transaction reports and supervises several non-financial sectors.

For an obliged entity, the practical test at inspection is evidence: a documented risk-based assessment of each customer, screening of customers and connected parties against sanctions, PEP and adverse media data both at onboarding and continuously, verified beneficial ownership for corporate customers drawn from the ONRC Trade Registry and international sources, and a complete audit trail of decisions. Romanian institutions with cross-border books also have to demonstrate that non-Romanian counterparties are screened to the same standard.

Infocredit Group's Southeast Europe team implements and tunes that operating layer. We configure screening against your actual customer base rather than a vendor default, resolve corporate ownership chains from official sources, and document the methodology so it holds up under BNR or ASF review.

Risk-based customer due diligence

Segmented CDD and EDD journeys with defensible risk scoring, rather than identical onboarding for every customer type.

ONRC-verified ownership

Corporate structures resolved from the Romanian Trade Registry and international registries, with ownership and control paths retained as evidence.

Continuous screening

Customers are re-screened as sanctions and PEP data changes, so post-onboarding designations surface immediately.

Inspection-ready audit trail

Alerts, decisions, overrides and reviewers are time-stamped and exportable for supervisory or internal audit review.

Engagements begin with a scoping session on your obliged-entity category, customer mix, jurisdictions and current systems. We then translate your risk appetite into screening configuration — list selection, fuzzy-matching thresholds, secondary identifiers — and test it against a sample of your live customer base, so alert volumes are known before anything goes into production.

Delivery adapts to your engineering capacity. Teams with in-house developers integrate API4ALL directly into core banking or onboarding systems for automated checks. Teams without that capacity work in ComplianceSuite's hosted interface, where analysts run onboarding, alerts and case management with no integration project. Many Romanian clients combine the two.

After go-live the regional team stays engaged: recalibrating thresholds as the customer book changes, training new analysts, and supporting your methodology documentation when supervisors ask questions. Delivery is in English, with Romanian-language support where programmes require it.

1. Scoping and risk assessment

Establish obligations, customer segments, jurisdictions and existing tooling before any configuration work starts.

2. Configuration and tuning

Lists and matching thresholds tested against your real data so alert volumes are predictable at go-live.

3. Integration or hosted rollout

REST API integration into core systems, the hosted ComplianceSuite interface, or a combination of both.

4. Ongoing support

Recalibration, analyst training and methodology support from the group's AML advisory and data teams.

În română

Infocredit Group deservește piața din România cu software de conformitate AML, screening de sancțiuni și PEP, date de credit și KYB pentru companii, precum și platforme de onboarding digital pentru bănci, fintech-uri, instituții de plată, asigurători și operatori de jocuri de noroc.

Ca partener strategic LexisNexis Risk Solutions în Europa de Sud-Est, oferim soluțiile WorldCompliance, Bridger Insight XG și Emailage cu implementare și suport regional, iar platforma API4ALL permite verificarea companiilor românești din ONRC și surse internaționale prin API.

Ce servicii oferă Infocredit Group în România?

Oferim screening AML/CTF (sancțiuni, PEP, mass-media negativă), date KYB și rapoarte de credit pentru companii, platforme de onboarding digital și monitorizare, precum și consultanță AML pentru bănci, fintech-uri, instituții de plată, asigurători și operatori de jocuri de noroc din România.

Puteți verifica companii românești și beneficiarii reali (UBO)?

Da. Prin platformele API4ALL și ComplianceSuite verificăm entități românești din Registrul Comerțului (ONRC) și alte surse oficiale, cartografiem administratorii și beneficiarii reali și verificăm toate părțile asociate în raport cu sancțiuni, liste PEP și mass-media negativă.

Unde este localizată operațiunea din România?

Clienții din România sunt deserviți de echipa regională Infocredit Group pentru Europa de Sud-Est, coordonată din sediul din Cipru și biroul din Atena, cu același model de implementare și consultanță aplicat în întreaga regiune — în engleză, cu suport în limba română atunci când programul o impune.