Corporate account frozen three weeks ago for AML review. We cannot pay staff, cannot settle two supplier invoices that are already overdue, and our main client is asking why the next invoice has not been raised. Every day the freeze continues, the operational damage compounds.
We do not know precisely what triggered the review. There was an inbound wire from a new client about a month before the freeze, for a value slightly above our usual ticket, but the client is a known European corporate, full contract on file, invoice matches exactly. We have provided everything the bank compliance officer asked for, twice, and the answer keeps being 'still under review'.
What we need is a specialist who has been through AML-triggered freezes at this bank specifically, knows how bank compliance actually reads a response file, and can either get the account unfrozen or, if the relationship is salvageable, stabilise it going forward. If the relationship is not salvageable, we need a clean migration to a second bank without the AML flag becoming the headline of the new application.
We are also open to the possibility that the right move is to let this account stay frozen through resolution and open somewhere else in parallel, so operations can continue while the first bank works at its own pace. We need someone who can make that call with us, not for us.
Timeline matters. If you have handled a similar freeze at this bank in the last six months, please be direct about what worked and what did not. We are not looking for reassurance, we are looking for a sequencing decision we can act on this week.
