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Art & luxury · point-of-sale AML for high-value transactions

Keep the sale discreet without making the AML decision invisible.

JUSTE lets galleries, dealers and high-value goods businesses start the risk assessment where the transaction happens — at the fair, in the gallery, in the showroom or by secure link.

Screening establishes the risk context first. Your policy determines whether more evidence, intermediary checks or human review are required, while the reasoning stays attached to the transaction.

AI executesPolicy governsHumans superviseEvidence survives
SALE FILEManual✓ Policy rules applied
Gallery sale · at the fairIntake by a designated gallery director
Low risk
Buyer risk screeningCompleteView
Identity verificationCompleteView
Acting for a third partyDeclared: noView
Additional source-of-funds evidenceNot required—
Governed sale recordCompleteView
Low-risk path applied under policy rule 2.1Illustrative workflow

Illustrative view of a completed sale file.

The tension

A relationship-led market still needs a governed AML decision.

Art and luxury transactions are often relationship-led, cross-border and time-sensitive. The buyer may be represented by an adviser, the beneficial owner may sit behind a company, and the transaction may happen away from the office.

The answer is not to separate compliance from the sale. It is to put a governed intake workflow in the hands of the person managing the relationship, while keeping policy, escalation and evidence consistent behind the scenes.

Galleries and dealers — Start client risk assessment at the stand, studio or showroom without breaking the conversation.
Auction houses — Bring bidder, consignor and transaction risk into the same governed process.
Fairs and events — Mobile intake for teams working away from the office or usual client environment.
Agents and advisers — Record the representative, the underlying party and the relationship between them in one decision trail.
Luxury and high-value goods — Apply the same policy-governed approach to jewellery, watches, classic cars and other high-value transactions.
Cross-border and storage relationships — Keep counterparties, jurisdictions and supporting evidence connected to the transaction record.
At the stand

Start with the minimum. Let the risk determine what comes next.

1

Start intake where the sale happens

Capture the client on a phone at the fair, gallery or showroom, or begin by secure link when the interaction is remote.

2

Establish the risk context

Screen relevant risk factors before asking for additional documents or information.

3

Your policy determines the next step

The firm’s rules determine whether third-party information, ownership evidence, source-of-funds material or human review is required.

4

The transaction keeps its reasoning

The screening, policy context, evidence and approvals remain attributable and connected to the sale.

AML administration behind the transaction

Client checks are only one part of the AML record.

A governed AML programme also needs the firm-level controls behind the sale: a current risk assessment and policy, staff training and acknowledgement, attributable client and transaction decisions, and visibility of outstanding work. JUSTE keeps those controls connected to the client activity.

A firm-wide risk assessment written from your actual trade and geographies
Policy acknowledgement and AML training tracked per person
Buyer and consignor due diligence with a risk assessment per transaction
Third-party and intermediary structures recorded, not assumed
One readiness score showing where the firm’s AML administration currently stands
Evidence retained and exportable, including for transactions handled across locations
In their words

From inside the art market.

Relying on a trustworthy partner for such complex matters as AML and KYC has been extremely valuable — saving us significant time and unnecessary stress with regard to our AML obligations, allowing us to remain focused on our core business.

Anne Vierstraete
Senior Advisor, Head of Alliances and Partnerships, Art Brussels and Art Antwerp

Questions

What dealers and galleries ask first.

Who is JUSTE designed for?

JUSTE is designed for galleries, dealers, auction houses, advisers and high-value goods businesses that need to screen clients and transactions, apply a documented AML policy, manage intermediaries and ownership, and retain oversight of the resulting decisions.

Which transactions need a check?

Those at or above the applicable value threshold, and any transaction showing risk indicators regardless of value. Thresholds and reporting expectations differ between jurisdictions, so your own policy and your supervisor's current guidance govern — which is exactly what JUSTE codifies.

Can we do this at a fair, away from the office?

Yes. Designated staff members can begin intake from a phone wherever the transaction is taking place. Screening runs first, and the firm’s policy determines whether anything further is required.

Our clients value discretion. How intrusive is it?

The workflow is designed to remain proportionate to the risk presented. Straightforward cases can stay light-touch, while additional questions or evidence are requested only when the policy requires them.

What if an adviser is buying on a collector's behalf?

JUSTE can record the representative, the underlying party and the relationship between them, with the relevant screening and ownership context retained as part of the same governed decision.

Keep the next sale moving without separating AML from the relationship.

Start the free trial with a real client or transaction, or book a demo and we will walk through point-of-sale intake, intermediary checks, policy-governed escalation and evidence end to end.