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Anti-Money Laundering & Financial Crime Prevention

At Monta, we recognize that maintaining the integrity of the financial ecosystem is not merely a regulatory requirement — it is a responsibility we choose to embrace. We are firmly committed to the proactive prevention of money laundering, terrorist financing, and other forms of financial crime across all aspects of our operations.

Our Commitment

Monta has voluntarily adopted a comprehensive approach to financial crime prevention, rooted in industry best practices and international standards such as those set forth by the Financial Action Task Force (FATF). We are building our systems and procedures with the aim of operating to the highest standards, ensuring that trust, transparency, and security are foundational to everything we do.

Governance and Oversight

Monta has established a robust internal framework to address financial crime risks, which includes:

  • Internal policies and procedures dedicated to Anti-Money Laundering (AML), Counter-Terrorism Financing (CTF) and Financial Crime Prevention (FCP).
  • Appointment of a AML Compliance Officer (AMLCO) tasked with oversight, internal reporting, and escalation
  • Regular reviews and updates of our financial crime prevention framework to reflect evolving threats and expectations

Risk-Based Approach

We apply a structured risk-based approach that allows us to identify, assess, and mitigate risks associated with:

  • Customer relationships
  • Transaction patterns
  • Geographic exposures
  • Delivery channels and third-party interactions

Customer Due Diligence (CDD) processes, including Know Your Customer (KYC) checks, sanctions screening, and ongoing monitoring, are integral parts of Monta’s customer engagement model.

Proactive Measures

Our preventive actions include:

  • Dynamic transaction monitoring to detect unusual patterns or activities
  • Sanctions and adverse media screening to safeguard against prohibited activities
  • Tailored onboarding processes with enhanced due diligence where higher risks are identified
  • Role-specific training programs to ensure all employees are aware of their obligations and empowered to act accordingly
  • Strong data protection and record-keeping practices

Reactive Measures

In the event that suspicious activity is detected, Monta follows clear escalation and investigation procedures, including:

  • Immediate internal review and escalation to the AMLCO
  • Consideration of appropriate reporting to external authorities where applicable
  • Ongoing refinement of monitoring and surveillance based on identified risks

Our Philosophy

Monta’s commitment to financial crime prevention is driven by our values and our vision for responsible growth. We believe that a resilient compliance culture strengthens not only our business, but also the broader communities and markets we serve.

While we are not yet operating as a licensed financial institution, we hold ourselves to standards that reflect our long-term commitment to doing business with integrity.