A Different Philosophy

While many providers still treat onboarding as a formality, Palmer sees it as a strategic opportunity. By combining expert judgment with secure digital tools, we deliver a smoother investor experience while setting the highest bar for compliance and data protection.

Our model blends cloud-based architecture, investor master data captured through KYC360, and a client-centric team structure. Technology accelerates process efficiency; human expertise ensures risk-sensitive interpretation. The result is an onboarding framework that is faster, clearer, and more resilient.

Proportional and Pragmatic

A defining feature of Palmer’s approach is proportionality. Rather than overwhelming investors with repetitive requests, we conduct a thorough review of standard investor materials, supplement this with independent research and open-source intelligence, and then raise only targeted follow-up questions. This reduces friction while assuring investors that their file is receiving professional attention – not mechanical processing.

It also avoids the all-too common pitfall of “computer says no” onboarding, where rigid portals create delays instead of efficiencies.

Anticipating the Regulatory Horizon

Luxembourg’s AML/CFT framework already requires rigorous identification of beneficial owners, assessment of source of wealth and funds, and continuous monitoring. The upcoming EU Anti-Money Laundering Regulation (AMLR) and Sixth Anti-Money Laundering Directive (AMLD6), both applicable from July 2027, will further raise standards with harmonised rules and stricter record-keeping.

Palmer’s model is already aligned to these requirements, ensuring clients are prepared for what lies ahead, not scrambling to catch up when regulation changes.

Balancing Compliance

Palmer applies rules rigorously yet pragmatically, avoiding two extremes: treating all investors identically regardless of risk, or over-engineering processes to the point of delay. Our structured digital workflows ensure efficiency, while our professionals apply judgment to each file, striking the right balance between compliance and usability.

Data captured inKYC360 is categorised, screened, and subject to dynamic monitoring. Crucially, Palmer’s teams curate and interpret this information directly, ensuring accuracy and accountability while reducing the burden on investors.

Local Accountability, Global Standards

Across the industry, incomplete or backlogged CDD files remain common, often the result of stretched centralised teams or offshore processing. Palmer avoids this risk by assigning responsibility for each file from start to finish to a Luxembourg-based client team with deep knowledge of both the investor structure and local regulation. This ensures visible progress, transparent communication, and a reduced risk of regulatory findings.

Stronger Safeguards Against Financial Crime

Complex ownership structures, offshore vehicles, and unusual wealth patterns are precisely where AML/CTF vulnerabilities arise. Palmer ensures these cases receive detailed professional scrutiny. Files are completed thoroughly, decisions documented, and risk indicators identified and explained in a way aligned with regulator expectations.

As the CSSF and the new EU Anti-Money Laundering Authority (AMLA) intensify oversight, Palmer’s blend of digital tools and expert judgment stands out as  a clear differentiator.

Service and Trust

Onboarding is not only about compliance, it is about building trust. For many investors, this process is  their first meaningful interaction with a Luxembourg fund administrator. If it is repetitive, opaque, or overly mechanised, it risks undermining confidence from the outset.

Palmer’s client-focused teams, supported but never replaced by technology, ensure onboarding is conducted with clarity, proportionality, and transparency.

A Competitive Advantage

By combining security-by-design digital tools, a dynamic CDD system, and a team-based risk-oriented methodology, Palmer has built an onboarding model that transforms what is often seen as a regulatory burden into a competitive advantage.

For clients, this means reduced regulatory and operational risks, stronger protection against financial crime and greater investor confidence. For investors, it means efficiency and clarity. For regulators, it demonstrates that Luxembourg’s AML/CFT obligations are implemented with the seriousness and sophistication they require.

Palmer proves that compliance and client experience are not in conflict. By redefining onboarding in Luxembourg, Palmer is setting the new industry benchmark.