Lunes 09:00 - 17:30 Martes 09:00 - 17:30 Miércoles 09:00 - 17:30 Jueves 09:00 - 17:30 Viernes 09:00 - 17:30

Optima-CRM, Calle Alfredo Palma, Marbella (2026)

Name: Optima-CRM
Address: Calle Alfredo Palma, Marbella, 29603, ES
Telephone: +34952770306
Price range: Not Applicable

OptimaSys is your all-in-one marketing & IT department who specialises in the Real Estate sector offering its own Optima-CRM solution and has built over 500 websites that are hosted internally. OptimaSit trae nuevos servicios para crear o mejorar su presencia en la web. All-in-one solutions - Optimasit provides your corporate company or small online business with access to all your marketing needs

- no matter the budget. We provide you with a unique opportunity to select your own packages based on your very own budget. Optimasit services include:
Business Consulting
Marketing Consulting
Strategy Consulting
Graphic Design for Websites, Corporate Branding, Logos, Ads ect. Website Creation and Maintenance; From simple to complex sites
Unique Content Creation and Marketing; Press Releases, eBooks, White Papers, Blog creation and offsite SEO
Unique Mobile Solutions for Smartphones & Tablets
Multilingual Copywriting and Translations
Search Engine Optimisation
Social Media Optimisation & Marketing
Website Hosting Services & System Administration
Infrastructure Architecture
Programming & Custom Solutions, Building & Maintenance
Native Apps for iOS-Android-Windows-Blackberry-Firefox

26/08/2026

**The pillar most agencies skip: KYT**

**Your client passed every onboarding check. Six months later, the transaction pattern says something's wrong. Would you even see it?**

Most agencies wouldn't. Deal closes, file archived, relationship "concluded." That's the most common failure mode in real estate compliance — and under AMLR it's straightforward non-compliance for anyone with an ongoing client relationship.

**Know Your Transaction (KYT)** is the overlooked fifth pillar. AMLR **Article 26** makes ongoing due diligence a permanent legal obligation, not an optional extra.

Red flags worth watching:

◆ Payments from accounts or jurisdictions that don't fit the client's profile
◆ Prices well above or below market value
◆ Rapid resale of a recently acquired property
◆ Multiple intermediaries with no commercial rationale
◆ Split payments that look like structuring around thresholds

It also means periodic KYC refresh (calibrated to risk) and immediate reassessment when something material changes — new adverse media, a sanctions hit, a change in beneficial ownership.

Onboarding is the start of the obligation. Not the end.

24/08/2026

**S.M.A.R.T. real estate businesses act today to be AMLR-ready tomorrow.**

S — Self-aware
Know your own business risk: clients, markets, services, transaction types, geographies, and exposure.
M — Monitored
Track clients, transactions, PEP/sanctions status, UBO changes, and red flags continuously.
A — Audit-ready
Document every AML decision, check, risk assessment, training record, and escalation.
R — Risk-based
Apply the right level of CDD, EDD, source-of-funds checks, and controls based on actual risk.
T — Trained
Ensure every employee understands AML obligations and can prove completion through certification.

ACT TODAY:
**Summer-Pricing Immosurance ending August 31st!**
https://zurl.co/Er3UG

19/08/2026

**When to file a SAR (and the one thing you must never do)**

**Suspicion isn't optional to report. And warning your client is itself a crime.**

A **Suspicious Activity Report (SAR/STR)** is a formal disclosure to the Financial Intelligence Unit when you have *reasonable suspicion* that a client, counterparty or transaction is linked to money laundering or terrorist financing. In most jurisdictions it's a legal duty — not a discretionary act.

Common triggers in real estate:
◆ Structuring / smurfing — breaking large sums into smaller ones
◆ All-cash purchases with no clear source of funds
◆ Property bought through multiple layers of corporate entities
◆ Purchase prices well above or below market value
◆ Sudden high-value transfers to or from high-risk jurisdictions

What makes a SAR strong: observable facts and documented evidence (not assumptions about motive), a clear chronological narrative, the reasonable-suspicion standard applied consistently — and prompt filing.

And the rule with no exceptions: **never tip off the subject.** Doing so is a criminal offence and can wreck an investigation.

Reporting well isn't just compliance. It protects the integrity of the market you work in.

17/08/2026

The three principles behind every UBO assessment

**The AMLR defines three analytical principles for determining beneficial ownership. Applied together, they're hard to fool.**

1️⃣ **Attribution** — multiply holdings along each ownership chain, then aggregate across chains. Someone who looks minor on one route can cross the threshold once every route is added up (e.g. 13.39% + 11.70% ≈ 25.09% → UBO).
2️⃣ **Control** — assess influence, not just equity: >50% at each level, or control "through other means."
3️⃣ **Combination** — ownership and control assessed at the same time across multi-tier structures. 60% × 40% = 24% looks safe... until the holding company holds ≥25% directly and is controlled by one person. UBO confirmed.

Layered structures are designed to hide the answer. These principles are designed to find it. More info at https://zurl.co/oBEfZ

13/08/2026

AMLR vs AMLD6: why this time really is different

**A Directive asks 27 countries to aim for the same target. A Regulation hands them the same rulebook. That's why 10 July 2027 changes everything.**

Until now, EU AML law ran through Directives — each country wrote its own version. Result: different thresholds, interpretations and supervision in Madrid, Amsterdam, Paris and Warsaw.

The **AMLR (Regulation (EU) 2024/1624)** applies directly and identically across all 27 states — no national reinterpretation. **AMLD6** sets the supervisory architecture (FIUs, registers), and **AMLA** in Frankfurt drives convergence.

What's new for real estate:

◆ **Letting agents** intermediating rentals **≥ €10,000/month** become obliged entities — many for the first time
◆ An **EU-wide €10,000 cash cap**
◆ CDD completed **before** the relationship begins — UBO traced to the actual natural person
◆ Mandatory ongoing monitoring (Art. 26)

And the obligations don't scale with your size — a solo agent carries the same duties as a national network.

Six things to start today: map your exposure, designate a compliance officer, audit your CDD, train your staff, fix record-keeping, choose your technology.

The preparation window isn't a grace period. It's the work.

25/02/2026

Save the date: IMMOSURANCE LAUNCH on 24.03.2026

AMLD compliance is still a challenge across the European real estate sector—and AMLR is approaching fast.
Join us in Brussels on 24 March for the official launch of Immosurance, in an event organised by CEPI and OptimaSys.
A timely opportunity to strengthen your compliance posture and protect your business from avoidable risk and fines.

.eu

Dirección

Calle Alfredo Palma
Marbella
29603

Horario de Apertura

Lunes	09:00 - 17:30
Martes	09:00 - 17:30
Miércoles	09:00 - 17:30
Jueves	09:00 - 17:30
Viernes	09:00 - 17:30

Teléfono

+34952770306

Página web

https://optima-crm.com/

Notificaciones

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