AMLR Compliance, Article 77 Record Retention and EUDI Wallet Onboarding

The EU Anti-Money Laundering Regulation introduces a single, directly applicable framework for AML record retention across the EU. From 10 July 2027, obliged entities will need to demonstrate a five-year retention period, audit-grade deletion and a defensible record-keeping process. AMLR also recognises the European Digital Identity Wallet for customer onboarding, which changes what onboarding evidence looks like and how it needs to be preserved over time. The archive becomes a regulated control, not an operational afterthought.