What We Offer:
At LOTO, we offer strategic advisory services to organizations navigating complex financial crime risks. Our team of seasoned anti-financial crime professionals deliver expert guidance rooted in deep industry knowledge, practical insight, and international regulatory standards.
LOTO's professionals have advised some of the world's leading financial institutions on a wide range of compliance and regulatory matters. Our breadth of experience includes designing and implementing AML/CFT and sanctions frameworks, drafting and operationalizing policies and procedures, performing customer due diligence, conducting name and payment screening, investigating potentially suspicious activities, and delivering employee training across borders, industries, and regulatory regimes. We've worked with Development Finance Institutions (DFls), banks, fintechs, and investment managers in the United States and across Asia, Africa, Europe, Latin America, and the Middle East.
We Specialize In:
- AML/CFT risk assessments
- Remediation support
- Policy design and review
- Due diligence for investment and partnership decisions
- Training design and delivery
- Technology adoption support
- Custom compliance toolkits and playbooks
We are especially passionate about translating complex requirements into clear, actionable guidance and equipping teams through practical training tools.
We are especially passionate about translating complex requirements into clear, actionable guidance and equipping teams through practical training that resonates globally.
Service Offerings
Stay ahead of regulatory expectations with our customizable financial crimes compliance services. We partner with your first and second line teams to design, strengthen, and implement AML/CFT programs that mitigate risk while aligning with industry best practices, international standards, and your business goals.
Risk Assessments
Comprehensive assessments to identify, measure, and address financial crime risks across your organization.
Policy Design and Review
Create or refine compliance policies to align with evolving regulations and industry best practices.
Customer Due Diligence for Investment and Partnership Decisions
Mitigate risk with thorough due diligence on potential investments and partners before commitment.
Name and Payment Screening
Strengthen your financial crime prevention with our Name and Payment Screening Services. We help you detect and manage sanctions, PEP, and adverse media risks in real-time while ensuring compliance and efficiency.
Custom Compliance Toolkits and Playbooks
Ready-to-use, tailored toolkits and playbooks to operationalize your compliance program efficiently.
Fractional AML/CFT Officer
Access experienced AML/CFT leadership on a fractional basis to guide and oversee compliance operations.
Suspicious Activity Investigation & Reporting
Identify, investigate, and report suspicious activities with expert support, ensuring regulatory adherence.
Risk-Based Program Design, Action Plan Development, and Implementation
Build, enhance, and execute compliance programs grounded in a risk-based approach.
Risk Assessments
Assess and strengthen your AML/CFT program with our Risk Assessment services, helping you uncover gaps, measure risk, and meet regulatory expectations.
KYC/CDD Remediations
Remediate customer due diligence and know-your-customer gaps to align with regulatory requirements.
Training Assessment, Development, and Delivery
Evaluate current training, design targeted programs, and deliver sessions that build compliance capability.
Quality Assurance Reviews and Testing
Independent reviews and testing to confirm your compliance program is effective and audit-ready.