Compliance Radar
Who was sanctioned, and for what?
Fines, court rulings and incidents from Europe and North America: 756 cases from 32 jurisdictions, each with an official source and checked against that source before publication. Filter by country, area of law and sector. Click a chart to drill down one level.
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Where?
by authority- Financial Conduct Authority (FCA) €82.7m 100 % · 5 cases
What for?
by topicWho?
by sectorAll sectors
When?
per quarter, by date of decision| Period | Cases | Total |
|---|---|---|
| Q3 2023 | 1 | €7.48m |
| Q4 2023 | 0 | — |
| Q1 2024 | 0 | — |
| Q2 2024 | 0 | — |
| Q3 2024 | 0 | — |
| Q4 2024 | 0 | — |
| Q1 2025 | 1 | €344,791 |
| Q2 2025 | 0 | — |
| Q3 2025 | 1 | €24.5m |
| Q4 2025 | 1 | €50.4m |
| Q1 2026 | 0 | — |
| Q2 2026 | 1 | — |
| Q3 2026 | 0 | — |
5 cases
11 Dec 2025 Nationwide Building SocietyFCA: £44 million against Nationwide over financial crime controls €50.4m
The UK Financial Conduct Authority (FCA) imposed £44,078,500 (after a 30% discount) because, from October 2016 to July 2021, the building society had no effective systems to keep due diligence and risk assessments for personal customers up to date, and did not identify personal accounts used for business purposes. As a result, one customer received 24 fraudulent Covid furlough payments totalling £27.3 million.
Keep customer profiles continuously up to date – anyone who postpones known weaknesses for years ends up paying for the abuse.
Identifying personal accounts used for business purposes
- Authority / court
- Financial Conduct Authority (FCA)
- Area of law
- Money laundering and terrorist financing · Customer due diligence
- Legal basis
- FCA Principle 3; SYSC 6.1.1R und 6.3.1R
- Action
- Fine
- Status of proceedings
- final
- Sector
- Financial services and insurance
- Employees
- 10,000 or more
- Mitigating circumstances
- 30% settlement discount
- Published
- 12 Dec 2025
Original amount 44,078,500 GBP, converted at the ECB reference rate of 11 Dec 2025.
- FCA fines Nationwide £44m for failings in financial crime controls Press release of an authority
- 2025 fines | FCA Enforcement database of an authority
- Final Notice: Nationwide Building Society (11.12.2025) Decision of an authority
Checked against the official source on 25 Sep 2026 · Direct link
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19 Jun 2026 CACEIS Bank (UK Branch)FCA: public censure for CACEIS UK over deficient checks on a custody client Reprimand or warning
The UK Financial Conduct Authority (FCA) issued a public censure because the London branch opened and operated accounts for the wealth manager WealthTek, although its own register searches showed that it lacked permissions to hold client assets, and overlooked a restriction noted in the register; 16 monitoring alerts were not worked through over two years, and more than £314 million flowed through the accounts. In view of cooperation and a voluntary payment of £31.7 million to WealthTek clients, the FCA refrained from imposing a fine (otherwise £23.1 million after discount).
Anyone who notices a discrepancy in the register must clarify and document it before accounts are activated.
Register checks and follow-up on identified KYC gaps
- Authority / court
- Financial Conduct Authority (FCA)
- Area of law
- Money laundering and terrorist financing · Customer due diligence
- Legal basis
- Section 205 FSMA (Public Censure) wegen Verstoßes gegen FCA Principle 2; Maßstab u. a. SYSC 6.1.1R, 6.3.1R, 6.3.3R und Regulations 18, 27, 28 MLR 2017
- Action
- Reprimand or warning
- Status of proceedings
- final
- Sector
- Financial services and insurance
- Mitigating circumstances
- Cooperation, acknowledgement of the deficiencies and a voluntary payment of £31,714,068 to those harmed
- Published
- 25 Jun 2026
- Final Notice 2026: CACEIS Bank (UK Branch) Decision of an authority
Checked against the official source on 25 Sep 2026 · Direct link
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7 Jul 2025 Monzo Bank LimitedFCA: £21 million against Monzo over lax account opening for high-risk customers €24.5m
The UK Financial Conduct Authority (FCA) imposed £21,091,300 (after a 30% discount) because, from 2018 to 2020, Monzo onboarded customers on the basis of sparse and sometimes obviously implausible information – such as well-known London landmarks given as addresses. Despite a requirement not to take on any more high-risk customers, the bank opened more than 34,000 such accounts up to 2022.
Automated onboarding needs plausibility checks – and supervisory requirements must be implemented in a technically effective way.
Plausibility checks in customer onboarding
- Authority / court
- Financial Conduct Authority (FCA)
- Area of law
- Money laundering and terrorist financing · Customer due diligence
- Legal basis
- FCA Principle 3 (PRIN 3); s. 55L FSMA (Verstoß gegen Auflage)
- Action
- Fine
- Status of proceedings
- final
- Sector
- Financial services and insurance
- Mitigating circumstances
- 30% settlement discount
- Published
- 8 Jul 2025
Original amount 21,091,300 GBP, converted at the ECB reference rate of 7 Jul 2025.
- FCA fines Monzo £21m for failings in financial crime controls Press release of an authority
- 2025 fines | FCA Enforcement database of an authority
- Final Notice: Monzo Bank Limited (07.07.2025) Decision of an authority
Checked against the official source on 25 Sep 2026 · Direct link
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9 Jan 2025 Arian Financial LLPFCA: small broker Arian Financial fined over cum-ex money laundering risks €344,791
From January to September 2015, the broker had no effective systems against financial crime and was therefore exposed to the risk of facilitating fraudulent trading and money laundering in connection with cum-ex trades. Following proceedings before the Upper Tribunal, the UK Financial Conduct Authority (FCA) set the fine at £288,962.53 instead of the £744,745 originally intended.
Even small brokers must question unusually lucrative, circular trading patterns before executing them.
Recognising warning signs in unusual trading structures
- Authority / court
- Financial Conduct Authority (FCA)
- Area of law
- Money laundering and terrorist financing · Internal controls
- Legal basis
- FCA Principles 2 und 3 (PRIN 2, PRIN 3)
- Action
- Fine
- Status of proceedings
- reduced
- Sector
- Financial services and insurance
- Mitigating circumstances
- Reduction by the Upper Tribunal
- Published
- 10 Jan 2025
Original amount 288,962.53 GBP, converted at the ECB reference rate of 9 Jan 2025.
- FCA fines Arian Financial LLP for failings relating to cum-ex trading Press release of an authority
- 2025 fines | FCA Enforcement database of an authority
- Final Notice: Arian Financial LLP (09.01.2025) Decision of an authority
Checked against the official source on 25 Sep 2026 · Direct link
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29 Sep 2023 ADM Investor Services International LimitedFCA: £6.47 million against ADM Investor Services over outdated AML controls €7.48m
The UK Financial Conduct Authority (FCA) imposed £6,470,600 (after a 30% discount) because, between September 2014 and October 2016, the derivatives broker had only a rudimentary customer risk assessment, no firm-wide money laundering risk assessment and no adequate ongoing monitoring; its policies referred to outdated legislation. The FCA had already raised concerns in 2014.
Policies that refer to repealed legislation are a sure sign of a dead AML programme.
- Authority / court
- Financial Conduct Authority (FCA)
- Area of law
- Money laundering and terrorist financing · Internal controls
- Legal basis
- FCA Principle 3; SYSC
- Action
- Fine
- Status of proceedings
- final
- Sector
- Financial services and insurance
- Mitigating circumstances
- 30% settlement discount
- Published
- 2 Oct 2023
Original amount 6,470,600 GBP, converted at the ECB reference rate of 29 Sep 2023.
- FCA fines ADM Investor Services International Limited £6,470,600 for serious financial crime control failings Press release of an authority
- Final Notice: ADM Investor Services International Limited (29.09.2023) Decision of an authority
Checked against the official source on 25 Sep 2026 · Direct link