How long must AML records be kept?
| Jurisdiction | Period | Trigger |
|---|---|---|
| Australia | 7 years | After end of customer relationship / transaction |
| United States | 5 years | After filing (SAR) or transaction (CTR) |
| European Union (AMLR) | 5 years (extendable to 10 by MS) | After end of relationship / occasional transaction |
| United Kingdom | 5 years | After end of relationship / completion of transaction |
Records include identification documents, transaction records, internal SAR / SMR analysis, and evidence of CDD steps taken.