Internal Audit & Assurance for E-Money Institutions in Spain
Find weaknesses before the regulator or an outage does. ABM Global Compliance provides independent internal audit and assurance for EMIs and payment institutions in Spain, testing safeguarding, AML, and operational frameworks the way supervisors will.
Audits That Test What Regulators Test
Independent audit is both a regulatory expectation and your cheapest early warning. Safeguarding reconciliations, AML monitoring effectiveness, outsourcing oversight, and incident readiness often go genuinely untested until a supervisory inspection tests them, which is the most expensive possible place to discover failures. For e-money institutions, safeguarding audit findings carry particular weight with every regulator.
Our audits change that sequence entirely. Experienced payments specialists test your safeguarding arrangements, AML framework, operational controls, governance, and reporting against current requirements and actual practice, exactly as a supervisor would. You receive findings prioritised by real risk, with practical remediation guidance your team can execute before anyone official arrives.
What Our Audit Coverage Includes
Assurance matters most where risk actually lives, so our audit coverage deliberately spans the areas that payment regulators examine hardest. From your safeguarding deep dives to full framework audits, every engagement produces clear findings your board can act on confidently.
Safeguarding Audits
Fully independent expert testing of your safeguarding accounts, reconciliations, and methodologies in depth.
AML Framework Audits
Fully independent testing of your complete AML/CFT framework against current requirements and practice.
Operational Audits
Testing your payment operations, incident readiness, and outsourcing oversight controls thoroughly throughout every time.
Governance Audits
Fully independent assessment of board effectiveness, accountability arrangements, and daily internal control operation.
Thematic Deep Dives
Targeted independent audits of specific processes, past incidents, or current regulator focus areas.
Remediation Validation
Fully independent confirmation that your completed remediation work genuinely fixed what it claimed.
Ready to Strengthen Your Compliance?
Why E-Money Firms Choose ABM Audits
Supervisor Perspective
Audits designed around what payment regulators actually examine and most often criticise.
Safeguarding Depth
Specialist strength in the safeguarding testing that regulators weight most heavily today.
Actionable Output
Clear remediation guidance your team can actually execute, never abstract audit observations.
Who We Audit Across Spain
We audit EMIs, payment institutions, wallet providers, and card programmes in Spain. Whether you need your first independent audit, annual assurance, or validation after remediation, our specialists deliver findings worth acting on.
Compliance advisory, regulatory reporting, and financial crime frameworks for banks and credit institutions.
MiFID II, market abuse, and transaction reporting support for capital markets participants.
Authorisation, governance, and ongoing compliance support built around your investment firm obligations.
Practical compliance frameworks for asset managers, AIFMs, and UCITS management companies alike.
Licensing, safeguarding, and operational compliance support for payment institutions across EU markets.
EMI authorisation, safeguarding arrangements, and ongoing regulatory reporting support across the EU.
Regulatory guidance that keeps innovative business models compliant from launch through scale.
MiCA, DORA, and digital asset compliance for Europe’s next generation of finance.
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.
- Unit 6, Trinity Court, Fonthill Business Park, Clondalkin, Dublin 22, D22 YE30, Ireland
Book Your Consultation
A confidential conversation about your licensing plans, compliance challenges, or regulatory questions, with no obligation attached.
E-Money Audit Questions Answered
Are EMIs required to have audits?
Yes, proportionately. Governance requirements expect independent testing of compliance and safeguarding arrangements sized to your institution, and supervisors ask for audit evidence during inspections.
What does a safeguarding audit examine?
Account structures, daily reconciliations, methodology documentation, fund flows, and whether customer funds remain identifiable and protected at every point, tested against regulator expectations, including Law 10/2010 duties.
How often should audits be performed?
Annually for safeguarding and AML frameworks, with additional targeted audits after significant changes, serious incidents, or ahead of expected supervisory attention in your markets.
Can audits stay confidential and internal?
Yes. Findings belong entirely to you. Most institutions share reports with their boards and use them to remediate fully before any supervisory engagement begins.
How long does an audit take?
Typically three to six weeks depending on scope and institution size, structured carefully to minimise disruption to your payment operations throughout the engagement.