Speaker: Hanna Gorbenko — Expert Advisor on Financial Monitoring and Currency Supervision, Chair of the Compliance and Financial Monitoring Committee of the Association of Ukrainian Banks

Meeting agenda:
1. Requirements for 2025 and trends for 2026: changes in financial monitoring legislation in the US, EU and Ukraine, and their impact on companies.
a) Why 2025 was a turning point in the field of
financial monitoring.
b) How FATF global standards shape EU policy and are reflected in NBU regulations.
c) Main areas of change in Ukrainian legislation (adaptation to AMLD 6, AMLR, FATF).
d) What this means for Ukrainian banks and companies: a change in the culture of transparency, expectations for KYC, KYB, UBO, and tighter risk control.
2. GLOBAL FATF/EU STANDARDS AND TRENDS:
a) Key FATF recommendations and latest updates (Beneficial Ownership, Virtual Assets, Risk-Based Supervision).
b) How FATF standards are integrated into the European AML package (AMLR, AMLD 6, AMLA).
c) European focus: beneficiary transparency, sanctions compliance, supply chain control.
d) How this shapes trends that will affect Ukrainian banks and companies in 2026.
3. NBU REQUIREMENTS FOR PRIMARY FINANCIAL MONITORING ENTITIES IN 2025:
a) New NBU methodological requirements: risk-based approach (RBA), KYC/KYB, transaction monitoring.
b) How banks are transforming these requirements into customer interaction practices.
c) What changes the company sees: more documentation, new approaches to counterparty verification, attention to the economic substance of transactions.
d) How CFOs can understand the bank’s logic to avoid unnecessary requests.
4. NBU PENALTY PRACTICE: HOW IT AFFECTS BANKS AND COMPANIES:
a) Main areas of NBU penalties and inspections in 2024–2025.
b) How regulatory sanctions change banks’ internal processes.
c) Chain of influence: NBU → Bank → tighter control over customers.
d) How companies can read the regulator’s ‘signals’ through the bank’s behaviour
5. TRENDS FOR 2026: UKRAINE, EU, WORLD:
a) European integration: harmonisation of legislation, increasing the level of compliance of banks and the corporate sector.
b) Technological trend: RegTech, AI monitoring, customer behaviour analytics.
c) Sanctions dynamics, ESG, supply chain transparency.
d) Forecast: three scenarios for 2026 (conservative, baseline, optimistic).
6. Q&A AND DISCUSSION:
a) What changes in 2025 will have the strongest impact on business?
b) How will FATF/EU standards be reflected in the practices of Ukrainian companies?
c) How can CFOs prepare for the new model of cooperation with banks in 2026?
d) What are the signs of a ‘low-risk client’ for a bank next year?
7. SUMMARY:
a) Key points of change: FATF → EU → NBU → Bank → Company.
b) What CFOs should pay attention to in 2025–2026.
c) Announcement of upcoming practical topics: ‘How to pass audits quickly’, ‘Typical reasons for bank requests’, ‘How to build a KYC profile for a company’.

Moderator: Andriy Sysoev