Cross-Border Payments & AML

International Payments, Correspondent Banking & U.S. Dollar Transactions

Cross-border transactions can simultaneously trigger AML, sanctions, banking, and regulatory concerns—particularly when payments pass through U.S. correspondent banks or the U.S. financial system.

Friling Law advises clients regarding the compliance implications of international payment structures and assists when transactions become subject to enhanced bank scrutiny.

Services include:

• International wire-transfer compliance
• Correspondent banking issues
• S. dollar clearing
• Payment-chain analysis
• Intermediary-bank issues
• Source-of-funds documentation
• Beneficial ownership analysis
• High-risk jurisdiction reviews
• Cross-border KYC and EDD
• AML and sanctions screening
• Bank compliance inquiries
• Payment holds and rejections
• OFAC blocked and rejected transactions

This practice works closely with Friling Law's OFAC sanctions practice, particularly where it is initially unclear whether a payment has been delayed because of an AML review, sanctions screening, or an actual OFAC blocking action.

AML & Financial Crime

Anti-Money Laundering, Financial Crime Compliance, Investigations & Enforcement

Friling Law advises U.S. and international businesses, financial institutions, fintech companies, payment providers, money services businesses, digital asset companies, investors, and individuals on U.S. anti-money laundering and financial crime laws.

Our practice combines AML/BSA compliance, FinCEN regulatory matters, KYC and beneficial ownership due diligence, financial investigations, cross-border payments, banking compliance, and OFAC sanctions. We assist clients in developing preventive compliance frameworks, responding to financial institutions and regulators, investigating potentially problematic transactions, remediating compliance deficiencies, and defending against regulatory and enforcement actions.

For international clients, we place particular emphasis on matters involving cross-border financial flows, U.S. dollar transactions, correspondent banking, high-risk jurisdictions, complex ownership structures, and the intersection between AML and U.S. economic sanctions.