Veronica Stratford-Tuke Reacts to the UK Government's New Anti-Money Laundering and Asset Recovery Strategy

Comment by Veronica Stratford-Tuke

Anti-Money Laundering

New structures won’t automatically make the system more effective.

‘The UK has published its new Anti-Money Laundering and Asset Recovery Strategy (AMLAR) 2026-2029, which sets out the government’s response to money laundering. The National Crime Agency has repeatedly estimated that over £100 billion is laundered through or within the UK each year, involving organised criminals, sanctions evaders and hostile states.’

‘The strategy is welcome, especially the commitment for law enforcement and the private sector to work together on the most harmful money laundering, rather than box ticking. But improvements on paper are not the same as keeping dirty money out of the UK.’

‘RUSI’s experts have identified important blind spots the UK will need to address for the strategy to have its desired impact and they include:

Public-Private Partnership (PPP): PPP success to date is mostly information sharing between banks and law enforcement, and sharing information and acting on it are not the same. How law enforcement builds the depth of relationship with fintech, crypto asset, legal and accountancy firms, and how each finds shared value in aligning their efforts, will be vital.

Resourcing: New funding to improve financial intelligence, the UK Financial Intelligence Unit and asset recovery are welcome. But this funding comes from annual payments from regulated firms through the Economic Crime Levy and lacks a sustainable funding model.

Anti-Money Laundering Supervisory (AML) Reform: The reform will consolidate AML supervision of lawyers, accountants and trust and company service providers under the FCA in 2028. But this won’t automatically improve the prevention and detection of money laundering, and the government needs to define what will make the reform work in practice.’

Veronica Stratford-Tuke is a Research Fellow in RUSI’s Centre for Finance and Security .

Anti-Money Laundering Policy

Centre for Finance and Security

UK FATF Mutual Evaluation Taskforce

Veronica Stratford-Tuke

Veronica Stratford-Tuke 的评论

反洗钱

新的结构并不会自动提高系统的效率。

英国发布了新的《2026-2029年反洗钱和资产追回战略》（AMLAR），阐述了政府应对洗钱问题的措施。国家犯罪调查局多次估计，每年有超过1000亿英镑的资金通过英国或在英国境内被洗钱，涉及有组织犯罪分子、规避制裁者和敌对国家。

“这项战略值得欢迎，尤其是执法部门和私营部门承诺携手打击最有害的洗钱活动，而不是仅仅走过场。但纸面上的改进并不等同于将黑钱拒之门外。”

皇家联合军种研究所（RUSI）的专家们已经指出，英国需要解决一些重要的盲点，才能使该战略发挥预期效果，这些盲点包括：

公私合作（PPP）：迄今为止，PPP的成功主要体现在银行和执法部门之间的信息共享，但信息共享和信息应用并非一回事。执法部门如何与金融科技公司、加密资产公司、律师事务所和会计师事务所建立深厚的合作关系，以及各方如何通过协调努力实现共同价值，都至关重要。

资源投入：我们欢迎为提升金融情报、英国金融情报机构和资产追回能力而提供的新资金。但这些资金来源于受监管企业通过经济犯罪税缴纳的年度税款，缺乏可持续的资金模式。

反洗钱监管改革：这项改革将于2028年将律师、会计师以及信托和公司服务提供商的反洗钱监管合并到英国金融行为监管局（FCA）的管辖之下。但这并不会自动改善洗钱的预防和侦查，政府需要明确如何才能使这项改革在实践中发挥作用。

Veronica Stratford-Tuke 是 RUSI 金融与安全中心的研究员。

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