George Filippakis

A multidiscliplinary approach to Law, Finance and Technology

Tag: regulatory

  • Vibe Coding for Lawyers: How Legal and Regulatory Professionals Can Build Powerful Compliance Tools in Hours

    The legal profession has always rewarded deep subject matter expertise. What is changing now is the ability to convert that expertise directly into working software, without requiring years of traditional engineering experience. That shift is being accelerated by what many now call “vibe coding“: building software through natural-language collaboration with large language models (LLMs). For…

  • Leveraging AI to perform AML Gap Analysis: A Practical Guide to Reviewing AML Policies Under EU AMLD Requirements

    AI tools and agentic solutions are increasingly embedded into regulatory and compliance operations. One of the most practical and immediately valuable use cases for legal and compliance professionals is AML policy gap analysis: a usually structured assessment process used to identify whether an AML policy (or, more broadly, a collection of AML policies and procedures)…

  • Outsourcing AML Functions Under the EU AML Framework: A Practical Guide for Obliged Entities

    Outsourcing has become a defining feature of modern compliance operating models. Banks, payment institutions, crypto-asset service providers (CASPs), investment firms, e-money institutions, insurers and other regulated entities increasingly rely on third-party providers for onboarding, screening, KYC remediation, sanctions filtering, transaction monitoring technology, adverse media checks and other compliance-related functions. The reasons are obvious: scaling compliance…

  • The ESAs’ autumn 2025 warning to Europe’s financial system

    Every six months the three European Supervisory Authorities (EBA, ESMA, and EIOPA) publish a Joint Committee Report on risks and vulnerabilities. The Autumn 2025 edition comes at a particularly unsettled time, shaped by tariff shocks from the US, ongoing wars in Ukraine and the Middle East, and rising defence spending across Europe. While the report…

  • What AMLA means for the crypto industry

    On 1 July 2025, the new European Anti-Money Laundering Authority (AMLA) officially launched its supervisory powers. Barely a month into its mandate, AMLA made its stance on crypto crystal clear: firms active in the sector must put strong anti-money laundering (AML) and counter-terrorist financing (CFT) safeguards in place from day one. This isn’t just a…

  • SupTech in AML/CFT supervision: big potential, but supervisors need more support

    The European Banking Authority (EBA) has just published its latest report on the use of technology in anti-money laundering (AML) and countering the financing of terrorism (CFT) supervision (EBA/Rep/2025/23), often called SupTech. The timing couldn’t be more relevant. Across Europe, national supervisory authorities are facing an avalanche of new responsibilities under the EU’s updated AML…

  • Reverse solicitation in EU financial regulation: what firms need to know

    Reverse solicitation is one of those technical-sounding terms that has become increasingly important in EU financial regulation. It’s relevant in several areas, from investment services under MiFID II, to banking under CRD V/VI, and now in the crypto sector under MiCA. For third-country firms (non-EU banks, investment firms, or crypto providers) looking to access the…