1. Member States shall ensure that supervisors apply a risk-based approach to supervision. To that end, Member States shall ensure that they:
(a) have a clear understanding of the risks of money laundering and terrorist financing present in their Member State;
(b) assess all relevant information on the specific domestic and international risks associated with customers, products and services of the obliged entities;
(c) base the frequency and intensity of on-site, off-site and thematic supervision on the risk profile of obliged entities, and on the risks of money laundering and terrorist financing in that Member State.
For the purposes of point (c) of the first subparagraph of this paragraph, supervisors shall draw up annual supervisory programmes, which shall take into account the timing and resources needed to react promptly in the event of objective and significant indications of breaches of Regulations (EU) 2024/1624 and (EU) 2023/1113.
2. By 10 July 2026, AMLA shall develop draft
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