Regulace AML a konkrétní případy praní špinavých peněz v Evropě

This bachelor thesis focuses on money laundering and its regulation at national, European and international level. The aim is to analyse the legal and institutional framework of measures against the laundering of the proceeds of crime and to verify their functionality through specific cases. The theoretical part focuses on the definition of basic concepts, description of the different phases of money laundering and overview of applicable legal instruments. The practical part analyses three specific cases from the European financial area - Danske Bank, Wirecard, Pilatus Bank, based on which recurring weaknesses in the anti-money laundering system are identified. The thesis points out specific weaknesses in the real implementation of the laws, especially in supervision, internal control mechanisms and customer screening. The findings of the thesis show that the effectiveness of the legal framework around money laundering is undermined in practice by poor implementation, limited international coordination and a strictly formal approach to compliance – particularly the KYC principle and response to non-standard client behaviour.