AML/CFT

Our AML/CFT services include the development and implementation of AML processes and procedures, risk assessment, audits, MLRO and AML outsourcing.

Contact us

Our solutions for AML/CFT

01

Development of internal processes, rules, and procedures under AML/CFT

We develop customized internal rules, processes, and procedures under AML/CFT, tailored to the specifics of your business. We guarantee full compliance with the law and minimize risks for your organization.

02

AML/CFT Risk Assessment

We create practical and easily applicable risk assessments that provide you with clarity and confidence in preventing money laundering. This helps you manage risks more effectively and in line with regulatory requirements.

03

AML independent audit

We offer an independent AML audit that includes a detailed review of your policies, procedures, and processes. Our goal is to identify weaknesses and provide practical solutions for their remediation.

04

AML Training

Our AML training includes diverse examples and best practices that make complex topics easy to understand. This helps your team effectively comprehend and apply regulatory requirements.

05

MLRO services

Our MLRO services are delivered by respected, certified experts with extensive experience who act as trusted partners before regulatory authorities. They ensure professional management of all AML obligations.

06

AML outsourcing services

We help you establish effective processes for fraud prevention and compliance with sanctions requirements. Our experts provide tools for identifying, analyzing, and mitigating risks.

Why choose Compliance Navi for your compliance needs?

Compliance Navi is a leading company specializing in providing consultancy services in the field of Anti-Money Laundering measures and other regulations relevant to your business activities.

Extensive Experience and Expertise

Our extensive experience and expertise ensure practical and effective solutions for your business.

Personalized Approach

We offer solutions fully tailored to the structure, processes, and needs of your company.

Excellent Reputation

We have built an excellent reputation through successful partnerships with clients and high recognition from regulatory authorities.

Continuous Improvement

We continuously improve by staying informed about global developments to ensure our clients receive the best practices and solutions.

Contacts

Get in touch with us

Contact us quickly and easily – our team is here to answer your questions and help you in finding the best solution!

Email

Phone

Location

Perform Business Center, 2 Positano str., fl. 3, Bulgaria, Sofia

Management

Dimitar Kolchakov

Founder

Dimitar Kolchakov is the founder of Compliance Navi. With over 15 years of international experience in banking, insurance, fintech and crypto companies, he has gained in-depth knowledge in the areas of Compliance, AML and GDPR. Dimitar is a certified CAMS expert, university lecturer and speaker at various trainings and seminars. He has headed the Compliance /Compliance/ and Anti-Money Laundering Measures /AML/ department in one of the commercial banks and was responsible for data protection, acting as Data Protection Officer /DPO/.

CAMS certificate

Kristina Kamberova

Compliance Service Manager

Kristina Kamberova is the Compliance Services Manager at Compliance Navi. With over 14 years of experience in the banking industry, she has deep expertise in areas such as payments, card business, fraud prevention, and transaction monitoring. Kristina has led numerous projects with international companies and has held a leadership role in the Card Department of one of the country’s leading banks. As a certified AML specialist, Kristina channels her energy and dedication into finding and developing the right solutions for businesses, tailored to each client’s specific needs.

 

 

 

CALE certificate

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Reviews from our customers

We are proud of the partnerships we have built with our clients and the results we have achieved together. We’ve worked with a wide range of clients, from small businesses to large corporations, and we know what businesses need.

We trusted Dimitar to be a lecturer at a training on AML/CFT. I and our entire team were very pleased with the way the presentation was delivered and the good examples from practice. Very comprehensive and with useful tips on how to improve our internal processes. I recommend Dimitar because he is professional and attentive to the audience.

Yavor Kirkov

Uplease

Over the past few years we have enjoyed a fruitful and professional collaboration with Dimitar and Kristina. Their approach to addressing the topics and issues raised is practical and oriented towards achieving real results that can be easily demonstrated, measured and monitored. We have conducted several annual trainings with Dimitar as a lecturer and have been very pleasantly surprised by the positive results – colleagues have gained knowledge of the basic concepts, but at the same time have enriched their practical skills by having the opportunity to participate in solving real cases and obtain examples. The environment was cheerful, there was a game part and most importantly – the acquired knowledge and skills served them in their daily work afterwards. It is a pleasure to work with such experts!

Maria Handjiyska

MFG

Dimitar is a true professional. He overdelivered on the contract and will definitely be rehiring again soon. I know hiring for this role can be a bit concerning but I assure you that Dimitar’s exceptional work will make you feel at ease. I highly recommend him!!!!

Jared Schagrin

Call Center Pross

It was a pleasure working with Dimitar on our project. He is knowledgeable and present to guide where needed. I would definitely recommend him for other projects with similar scopes. I look forward to possibly engaging him again for similar work

Mbaakanyi Mathambo

RipplePay

We recently had a great interaction with Dimitar. It was all around positive and constructive. He managed to find us the best package fitting our needs perfectly. Indeed, I believe our communication was very effective and fruitful. In conclusion, we are quite satisfied with his service.

Matan Nahmany

LifeUp Interantional OU

Very professional and highly committed, not only delivered on time but excellent knowledge of the domain with almost non feedback needed He also goes beyond and helps you edit and continue to give feedback and do any changes. He is my compliance guy.

Tawfiq Mohammed

New Sphere LLC

We worked with Dimitar for several years. We highly recommend Dimitar as a DPO, because of his knowledge, diligence and expertise. He is always available, effective, and great to communicate with. He was very thorough – from eliciting requirements through final delivery.

Andrey Desyatov

Antilatency

Dimitar was able to clearly communicate the timeline and costs for creating an AML policy for our company. Extremely fast and efficient work as well. Would definitely work with him again!

Ashvin Panicker

Lastbit

Great communication. Quick turnaround. Clear and concise output. It was a pleasure working with Dimitar and will work again when needed. Thank you!

Parham Akhavan

KUDO

Dimitar is a very knowledgeable and diligent professional. He has good expertise in data privacy and compliance matters. He was very thorough right from eliciting requirements through to final delivery, accomodating and flexible when it came to minor scope amendments; and also very much timeline-focused. Would certainly recommend.

Asir Paulra

Eventzilla

Dimitar was the best candidate I had interviewed for this task, and for sure he delivered an exceptional work and future support. If you have any AML related tasks, I have full confidence that you will get the same experience that I had.

Khalid Alrasheed

Cycls

Dimitar was a great fractional DPO for our startup. He’s very knowledgeable and experienced regarding all things GDPR and CCPA and also able to act as an EU representative as he’s physically located in the EU. He was very responsive to requests, whether it be attending to a privacy question from a prospective client, current client, or our team. Our startup works in an overall highly regulated industry, so having him on our team on a fractional basis was both affordable and critical.

Monica Roy

Seascape Clinical

We trusted Dimitar to be a lecturer at a training on AML/CFT. I and our entire team were very pleased with the way the presentation was delivered and the good examples from practice. Very comprehensive and with useful tips on how to improve our internal processes. I recommend Dimitar because he is professional and attentive to the audience

Yavor Kirkov

Uplease

Over the past few years we have enjoyed a fruitful and professional collaboration with Dimitar and Kristina. Their approach to addressing the topics and issues raised is practical and oriented towards achieving real results that can be easily demonstrated, measured and monitored. We have conducted several annual trainings with Dimitar as a lecturer and have been very pleasantly surprised by the positive results – colleagues have gained knowledge of the basic concepts, but at the same time have enriched their practical skills by having the opportunity to participate in solving real cases and obtain examples. The environment was cheerful, there was a game part and most importantly – the acquired knowledge and skills served them in their daily work afterwards. It is a pleasure to work with such experts!

Maria Handjiyska

MFG

Dimitar is a true professional. He overdelivered on the contract and will definitely be rehiring again soon. I know hiring for this role can be a bit concerning but I assure you that Dimitar’s exceptional work will make you feel at ease. I highly recommend him!!!!

Jared Schagrin

Call Center Pross

It was a pleasure working with Dimitar on our project. He is knowledgeable and present to guide where needed. I would definitely recommend him for other projects with similar scopes. I look forward to possibly engaging him again for similar work

Mbaakanyi Mathambo

RipplePay

We recently had a great interaction with Dimitar. It was all around positive and constructive. He managed to find us the best package fitting our needs perfectly. Indeed, I believe our communication was very effective and fruitful. In conclusion, we are quite satisfied with his service.

Matan Nahmany

LifeUp Interantional OU

Very professional and highly committed, not only delivered on time but excellent knowledge of the domain with almost non feedback needed He also goes beyond and helps you edit and continue to give feedback and do any changes. He is my compliance guy.

Tawfiq Mohammed

New Sphere LLC

We worked with Dimitar for several years. We highly recommend Dimitar as a DPO, because of his knowledge, diligence and expertise. He is always available, effective, and great to communicate with. He was very thorough – from eliciting requirements through final delivery.

Andrey Desyatov

Antilatency

Dimitar was able to clearly communicate the timeline and costs for creating an AML policy for our company. Extremely fast and efficient work as well. Would definitely work with him again!

Ashvin Panicker

Lastbit

Great communication. Quick turnaround. Clear and concise output. It was a pleasure working with Dimitar and will work again when needed. Thank you!

Parham Akhavan

KUDO

Dimitar is a very knowledgeable and diligent professional. He has good expertise in data privacy and compliance matters. He was very thorough right from eliciting requirements through to final delivery, accomodating and flexible when it came to minor scope amendments; and also very much timeline-focused. Would certainly recommend.

Asir Paulra

Eventzilla

Dimitar was the best candidate I had interviewed for this task, and for sure he delivered an exceptional work and future support. If you have any AML related tasks, I have full confidence that you will get the same experience that I had.

Khalid Alrasheed

Cycls

Dimitar was a great fractional DPO for our startup. He’s very knowledgeable and experienced regarding all things GDPR and CCPA and also able to act as an EU representative as he’s physically located in the EU. He was very responsive to requests, whether it be attending to a privacy question from a prospective client, current client, or our team. Our startup works in an overall highly regulated industry, so having him on our team on a fractional basis was both affordable and critical.

Monica Roy

Seascape Clinical

Articles and blog posts

Our blog

Read all our articles

AML

Certified AML & Financial Crime Specialist 2026 – Three Days of Learning AML Through Decisions and Shared Experience

13, 14 and 15 October 2026 | Sofia | in Bulgarian | On 13 October, Compliance Navi launches Certified AML & Financial Crime Specialist 2026 (CAFCS-Compliance Navi 2026) — a three-day certification programme in AML/CFT and financial crime prevention, led by Dimitar Kolchakov, CAMS. There is one core idea behind the programme: AML is not […]

Picture of compliance navi

compliance navi

08.09.2026

AML

“We have never filed a suspicious transaction report.” Congratulations… or maybe not?

There is one sentence that is sometimes said with pride by companies subject to anti-money laundering requirements – “We have never filed a suspicious transaction report.” At first glance, it sounds great — no suspicious clients, no suspicious transactions, no problems. For an MLRO, however, the absence of reports is not always a reason for […]

Picture of Dimitar Kolchakov

Dimitar Kolchakov

25.08.2026

AML

AI in the Daily Work of Compliance/AML Professionals – Where Does It Help and Where Does It Get in the Way?

Artificial intelligence has long moved beyond the realm of curiosity and has become part of the daily work of Compliance and AML teams. More and more professionals and consultants are using AI to draft policies and procedures, prepare training materials, screen clients, analyse KYC/KYB and transaction monitoring cases, prepare opinions, conduct regulatory research and create […]

Picture of compliance navi

compliance navi

10.08.2026

AML

Управление на риска в съответствие
с AML/CFT

Управлението на риска е основен аспект от съответствието с AML/CFT регулациите. Тази статия ще ви преведе през ключовите…

Димитър Колчаков

16.05.2025

AML

Управление на риска в съответствие
с AML/CFT

Управлението на риска е основен аспект от съответствието с AML/CFT регулациите. Тази статия ще ви преведе през ключовите…

Димитър Колчаков

16.05.2025

AML

Управление на риска в съответствие
с AML/CFT

Управлението на риска е основен аспект от съответствието с AML/CFT регулациите. Тази статия ще ви преведе през ключовите…

Димитър Колчаков

16.05.2025

Are you ready to take full control of your business?

Time to secure your future with us.

Contact us
Contact us

dimitar@compliance-navi.com
kristina@compliance-navi.com

+359887727711 +359878562211
Свържете се с нас

dimitar@compliance-navi.com
kristina@compliance-navi.com

+359887727711 +359878562211