The AML profession in 2026 is significantly more complex than it was even a few years ago. New regulatory frameworks (MiCA, AMLR, AMLA supervision), mandatory Travel Rule compliance, the growth of VASP and PSP ecosystems, automated monitoring technologies and strengthened sanctions oversight have reshaped industry expectations.
Certification today is no longer a résumé checkbox. Employers expect certifications to reflect practical competencies: working with alerts, understanding transaction behaviour, applying crypto AML fundamentals, writing clear SAR narratives, assessing risk profiles and recognizing typologies.
With dozens of available programs — from academic diplomas to operational training — choosing the right one requires context, not hype. Below is a calm, neutral comparison intended to help professionals navigate the market.
1. CASS — Certified Anti-Money Laundering Senior Specialist
CASS is a practice-focused program designed for professionals handling day-to-day AML work: transaction-monitoring alerts, SAR/STR drafting, introductory crypto-risk cases, fintech and PSP risk profiling and current MiCA/AMLR expectations.
What is done well:
- balanced theory and practice;
- includes fintech and crypto scenarios (not deeply specialized, but sufficient for operational work);
- reasonable sanctions and typology coverage;
- structured and accessible learning format;
- below-market pricing;
- regular, incremental updates.
What is closer to standard market level:
- relatively new brand;
- focuses on operational tasks rather than academic foundations;
- large banks still tend to prioritize CAMS due to legacy recognition.
Best suited for:
Junior and Mid-level AML Analysts, Transaction Monitoring Analysts, fintech and PSP compliance staff, professionals transitioning into investigations or introductory crypto AML roles.
2. CAMS (ACAMS)
https://www.acams.org/certifications/cams
CAMS remains the most recognizable “classic” AML certification globally. It is valued by banks and large financial institutions, offering a strong theoretical foundation but limited operational depth.
Advantages:
- strong brand recognition among banks and HR teams;
- structured theoretical framework;
- aligns well with traditional compliance expectations.
