Policy & Procedure Updates for E-Money Institutions in Spain
Policies written at authorisation age faster than payment products ship. ABM Global Compliance drafts, reviews, and updates compliance policies for EMIs and payment institutions in Spain, keeping frameworks aligned with EMD2, PSD2, and evolving requirements.
E-Money Policies Regulators Accept and Use
E-money businesses evolve constantly: new products, new corridors, new outsourcing partners, new agent networks. Each change strains policies written for a simpler institution, while EBA guidelines, national expectations, and PSD3 preparations keep moving the regulatory baseline. When documents describe an institution that no longer exists, supervisors read the gap as a governance failure.
We keep your framework matched to reality. Our specialists review policies against current requirements and your actual operations, redraft what has fallen behind, and maintain structured update cycles so nothing quietly goes stale. Every document is written for daily use: clear enough for operations teams, precise enough for supervisory review, and consistent across your whole framework.
What Our Policy Support Covers
An e-money framework spans safeguarding, financial crime, operations, and governance together, so our support covers creation, review, and continuous maintenance across all of it. Whether one policy needs strengthening or a complete suite needs rebuilding, we deliver current, usable documents.
Safeguarding Policies
Safeguarding methodologies and daily reconciliation procedures matching current regulator expectations precisely throughout every time.
AML/CFT Policies
Complete end-to-end anti-money laundering policy suites aligned with EU directives and payments risk.
Operational Procedures
Payment operations, complaints handling, and outsourcing procedures that your teams actually follow every time.
Security & Incident
Incident management and security procedures fully meeting PSD2 operational requirements throughout every time.
Risk Assessments
Business-wide your risk assessments that genuinely drive your daily controls and monitoring calibration.
Annual Reviews
Structured policy review cycles that keep every single document current as requirements change.
Ready to Strengthen Your Compliance?
Why E-Money Firms Trust ABM Policies
Current And Correct
Documents aligned with the latest EBA guidance and national regulator expectations throughout.
Written For Use
Clear, practical procedures your operations teams follow, never templates gathering dust every time.
Inspection Tested
Frameworks drafted by experienced specialists who know what supervisory reviews examine closely.
Who We Write Policies For
We build and maintain policy frameworks for EMIs, payment institutions, wallet providers, and card programmes in Spain. Whether preparing for authorisation, fixing inspection findings, or maintaining an established framework, we keep documents defensible.
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Trusted and Loved by Our Clients Across the Europe
Businesses across Europe trust ABM to guide their licensing, strengthen their frameworks, and keep their compliance on track. Here is what founders, compliance officers, and executives say about working with our team.
Years Of Expertise
Trusted Expert Guidance, Just One Message Away
Tell us about your business and regulatory needs. One of our compliance specialists will respond within one working day with clear, practical next steps.
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Book Your Consultation
A confidential conversation about your licensing plans, compliance challenges, or regulatory questions, with no obligation attached.
Policy and Procedure Questions Answered
How often should EMI policies be updated?
At least annually, and immediately after new products, corridors, outsourcing changes, or regulatory developments. A documented review cycle is itself a supervisory expectation.
What policies does an EMI need?
A core suite covering safeguarding, AML/CFT, payment operations, security and incidents, outsourcing, complaints, governance, and wind-down, adapted to your licence and products, including Law 10/2010 duties.
Can you update our existing policies?
Yes. We gap-assess your current documents against requirements and actual practice, then update surgically rather than rewriting wholesale, preserving everything that already works.
Are template policies good enough?
Rarely. Regulators expect policies reflecting your specific products, flows, and risks. Generic templates are a frequent inspection finding and offer little protection.
Do you align policies with actual operations?
Always. We review your real operational processes first, because policies describing procedures that nobody follows create additional regulatory risk instead of reducing it.