We register you on goAML, write your AML policy, build your KYC and due-diligence process and train your team, so a supervisor's visit is routine rather than a risk.
The UAE's AML/CFT framework, Federal Decree-Law No. 20 of 2018 and its implementing regulations, places obligations on designated non-financial businesses and professions (DNFBPs) as well as financial institutions.
Brokers and agents involved in buying or selling property for clients.
Dealers in gold, diamonds, jewellery and precious stones.
Firms carrying out specified financial activities for clients.
When preparing or carrying out specified transactions on behalf of clients.
Firms forming companies, acting as nominees or providing registered addresses.
Choose your sector for a quick indication. It's guidance, not legal advice, and we'll confirm it against your licensed activities.
We'll show what the UAE AML framework generally expects from businesses like yours.
Engage us for one component or the full framework. Every deliverable is written for your business, not adapted from a template.
goAML is the UAE Financial Intelligence Unit's platform for registering reporting entities and filing suspicious transaction reports.
A written, risk-based AML/CFT framework that reflects how your business actually operates.
Onboarding that identifies who you're dealing with, including the real beneficial owner behind a company.
Deeper checks for higher-risk customers, transactions and jurisdictions, before you take on the risk.
Practical, sector-specific training so your people recognise red flags and know what to do next.
Your programme kept current as regulations, your client base and your risks change.
Supervisory authorities can inspect regulated businesses at any time. Gaps can lead to administrative penalties, licence action and reputational damage. Being prepared costs far less.
If your question is specific to your business, talk to us directly. Compliance questions are rarely one-size-fits-all.
goAML is the reporting platform used by the UAE Financial Intelligence Unit. Regulated businesses register on it and use it to file suspicious transaction reports and other required reports.
Regulated entities are expected to appoint a compliance officer who is responsible for the AML programme and reporting. We help you define the role, register the officer on goAML and train them.
Yes. Obligations depend on your activity, not your size. The programme should be proportionate to your risk, though, so a small brokerage doesn't need the same framework as a bank. We scale the documentation to fit.
UAE rules generally require customer and transaction records to be kept for at least five years, available to the authorities on request. We set up a structure that makes retrieval straightforward.
Yes. Our AML health check reviews your existing registration, policies, KYC files and training records, identifies the gaps and fixes them, ideally before a supervisor finds them.
We'll bring the requirement list to the first meeting: the authorities involved, the documents needed and a clear timeline.