Internal Audit & Assurance Services in Croatia
At ABM Global Compliance, we provide independent audit and assurance services that strengthen governance, improve compliance effectiveness, and help payment institutions remain prepared for regulatory inspections and supervisory reviews. Partner with ABM to strengthen your Internal Audit & Assurance framework and build a resilient, regulator-ready payment services business in Croatia.
Strengthening Governance Through Independent Assurance
Independent assurance helps Electronic Money Institutions (EMIs), Payment Institutions (PIs), and payment service providers evaluate the effectiveness of their governance, compliance, and internal control frameworks. Regular reviews enable firms to identify weaknesses early, improve operational resilience, and demonstrate regulatory readiness. Independent assessments provide objective insight into governance, compliance, safeguarding arrangements, and operational controls.
Regular reviews strengthen internal oversight, reduce regulatory risk, and support long-term compliance. The Croatian National Bank (HNB) expects regulated institutions to maintain effective governance, risk management, and internal control arrangements under the Payment System Act, together with PSD2, Croatia’s Anti-Money Laundering and Terrorist Financing Act, the Digital Operational Resilience Act (DORA), and other applicable European legislation.
Our Internal Audit & Assurance Services
Independent assessments provide objective insight into governance, compliance, safeguarding arrangements, and operational controls. Regular reviews strengthen internal oversight, reduce regulatory risk, and support long-term compliance.
AML Compliance Audit
AML Compliance Audit covering transaction monitoring, sanctions controls, suspicious transaction reporting, and governance arrangements.
Safeguarding Compliance Audit
Safeguarding arrangements, including customer fund protection, segregation processes, reconciliations, safeguarding governance, and operational controls.
Compliance Gap Assessment
We evaluate governance frameworks, compliance programmes, policies, internal controls, safeguarding arrangements, and regulatory obligations.
Independent Internal Compliance Reviews
Independent reviews of compliance functions, governance frameworks, monitoring programmes, and internal control environments.
Ready to Strengthen Your Compliance?
Why Payment Institutions in Croatia Choose ABM
Croatian Payment Services Expertise
Croatian Payment Services Expertise tailored to payment and e-money institutions operating in Croatia.
Independent & Practical Reviews
Independent & Practical Reviews tailored to payment and e-money institutions operating in Croatia.
Tailored Assurance Services
Every review is customised to your business model, governance structure, and regulatory obligations.
Building Confidence Through Independent Assurance
Regular independent assurance strengthens governance, improves regulatory compliance, and supports informed decision-making. By reviewing key controls and implementing practical improvements, Electronic Money Institutions and Payment Institutions can reduce regulatory risk, enhance operational resilience, and maintain long-term confidence with the HNB, customers, and business partners.
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.
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Book Your Consultation
A confidential conversation about your licensing plans, compliance challenges, or regulatory questions, with no obligation attached.
Your Questions Answered
Why do firms need independent reviews?
Because frameworks drift. Independent assessment finds the gaps daily operations normalise, gives boards genuine assurance, and fixes issues before supervisors find them expensively.
How often should audits be conducted?
Risk-based, but a sensible rhythm is an annual review of core compliance and AML arrangements, with deeper reviews after significant change, growth, or findings.
What does an AML audit cover?
Risk assessment quality, policies against practice, due diligence files, monitoring calibration, reporting arrangements, training, and governance oversight, tested through sampling rather than document review alone.
Are your reviews truly independent?
Yes. Assurance work is delivered separately from any framework we helped build, with findings reported candidly to management and boards regardless of comfort.
What happens after the review?
You receive prioritised, practical findings with clear remediation guidance, and we can support the remediation itself, tracked to closure so improvement actually happens.