Anti-money laundering obligations in the financial services industry extend far beyond policies,  procedures, and formal compliance functions. In practice, the effectiveness of AML controls depends on the judgement and actions of individuals who interact with clients, process transactions, and make day-to-day decisions across the business. This course is designed to deepen understanding of money laundering, terrorist financing and proliferation financing risks, and to support staff in applying a risk-based, practical approach to identifying, managing and escalating those risks in line with South African legislation. Through a focus on real-world application rather than technical compliance alone, the course aims to strengthen confidence, accountability and sound decision-making across all roles within an accountable institution.