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Financial Intelligence Unit

Working Together to Detect and Prevent Financial Crime
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Overview

The Financial Intelligence Unit – Netherlands (FIU-NL) serves as the central national authority responsible for the collection, analysis, and dissemination of reports of suspicious and unusual financial transactions within the Netherlands.

Operating under the supervision of the Dutch Ministry of Justice and Security, FIU-NL plays a pivotal role in identifying and preventing money laundering, terrorist financing, fraud, and other financial crimes that threaten the integrity of the financial system.

Neo Finance actively collaborates with FIU-NL to strengthen national and European financial resilience.
By sharing data-driven insights, transaction intelligence, and analytical expertise, we help protect Dutch and European citizens from financial exploitation while enhancing transparency and accountability across the financial sector.

What FIU-NL Does

FIU-NL acts as a critical link between financial institutions and law enforcement, transforming transaction data into actionable intelligence.
Its core responsibilities include:

  • Receiving and reviewing Unusual Transaction Reports (UTRs) from banks, payment institutions, and other obliged entities.
  • Analyzing and classifying transactions as suspicious where indicators of financial crime are detected.
  • Providing intelligence to the Public Prosecution Service (OM), FIOD-ECD, and other enforcement authorities to support ongoing investigations.
  • Facilitating cooperation with European financial intelligence units through the EU FIU Platform and the Egmont Group of FIUs, ensuring cross-border coordination.
  • Monitoring compliance with the Dutch Anti-Money Laundering and Counter-Terrorism Financing Act (WWFT) and related EU Anti-Money Laundering Directives (AMLDs).

By converting financial data into intelligence, FIU-NL enables early intervention against criminal networks, strengthening both national and EU-level efforts to combat illicit financial activity.

Neo Finance’s Partnership with FIU-NL

As a regulated European financial institution, Neo Finance is legally required — and ethically committed — to reporting unusual or suspicious transactions in accordance with WWFT and EU AML/CFT regulations.

Our cooperation with FIU-NL centers on compliance, information sharing, and proactive fraud prevention.

1. Reporting and Risk Detection
Neo Finance continuously monitors transactions using sophisticated analytical and AI-based tools to detect anomalies that may indicate potential financial crime.
When such risk indicators are identified, a UTR (Unusual Transaction Report) is securely filed with FIU-NL via encrypted reporting systems.
This ensures that potential threats are quickly escalated for analysis and that both law enforcement and regulators can act before criminal activities evolve.
2. Assisting in Fraud-Related Cases
In cooperation with FIU-NL, Neo Finance provides support in fraud-related investigations involving customer funds, transit accounts, or cross-border transactions.
When a customer reports potential fraud, our specialists review all related transactions and share verified data with FIU-NL to trace illicit flows and prevent further losses.
Through this collaboration, we help recover stolen funds, strengthen financial intelligence capabilities, and protect citizens and businesses from ongoing fraud threats.
3. Compliance and Information Exchange
Neo Finance is an active participant in FIU-NL’s Public–Private Cooperation (PPC) programs, which connect financial institutions with supervisory and investigative authorities.
Through these initiatives, we contribute insights on:
New fraud typologies and cross-border risks
Evolving money-laundering methodologies
Emerging threats in the digital and fintech space
This collaboration enhances the effectiveness of the Dutch and European AML frameworks and supports evidence-based policymaking.
4. Training and Regulatory Alignment
Our Compliance and Risk Management teams undergo continuous training based on FIU-NL’s updated guidance and reporting standards.
This ensures that every employee involved in AML processes fully understands:
Reporting obligations under WWFT and EU AMLD6
Red-flag indicators for fraud, terrorist financing, and sanctions evasion
Secure data handling and information sharing practices consistent with GDPR
Regular scenario testing and workshops ensure that our internal systems and teams remain aligned with FIU-NL’s evolving requirements.

Shared Objectives

The partnership between Neo Finance and FIU-NL is grounded in a shared mission — protecting society and maintaining trust in the financial system.

ObjectiveOutcome
Detect suspicious activity earlyPrevent misuse of financial systems for criminal purposes
Support law enforcement investigationsStrengthen national and EU-level financial intelligence
Protect customers from fraud and scamsBuild public confidence in secure digital finance
Promote compliance and transparencyReinforce EU-wide financial stability and accountability

Together, FIU-NL and Neo Finance uphold the highest standards of transparency, cooperation, and compliance in the fight against financial crime.

Why This Partnership Matters

Our collaboration with FIU-NL ensures:

  • Early identification of financial crimes and suspicious activities.
  • Swift action against fraud and money-laundering risks affecting customers.
  • Data-driven prevention tools that increase operational efficiency and compliance.
  • Alignment with national and EU AML/CFT obligations under the WWFT and AMLD6.

Through this partnership, Neo Finance strengthens its mission to safeguard every customer, every transaction, and the integrity of the European financial system.

A Commitment to Financial Security

At Neo Finance, we recognize that financial integrity is essential to maintaining public trust.
Our collaboration with FIU-NL reinforces our long-term commitment to:

  • Promoting transparency in the financial sector.
  • Empowering law enforcement with accurate data.
  • Protecting individuals and communities from the impact of financial crime.

Together with FIU-NL, we continue to build a financial environment that is secure, fair, and resilient — for the Netherlands, for Europe, and for future generations.