Meet UAE legal obligations under the AML/CFT framework and Federal Decree-Law No. 10 of 2025 with a robust, risk-based compliance programme.
We provide comprehensive AML (Anti-Money Laundering) Compliance services to help your UAE business meet its legal obligations under the UAE's AML/CFT (Combating Financing of Terrorism) framework, including the requirements of Federal Decree-Law No. 10 of 2025 and related regulations. AML compliance means establishing, documenting and operating an effective risk-based compliance program that prevents, detects and reports money-laundering, terrorist-financing and proliferation-financing risks.
You must register your company on the UAE Financial Intelligence Unit's goAML portal (via SACM) and provide business details and your appointed AML officer. This system is used to report suspicious transactions and activities.
Get support →A qualified AML Compliance Officer or Money Laundering Reporting Officer must be designated to oversee your AML programme, monitor controls, file reports, train staff and act as a liaison with authorities.
Get support →You must prepare a formal risk assessment report evaluating the money-laundering risks associated with your services, customers, products, delivery channels and jurisdictions, and document how you will mitigate those risks.
Get support →You need robust Know Your Customer (KYC) and Customer Due Diligence (CDD) procedures that cover: verifying identity and addresses of customers and beneficial owners; understanding the nature and purpose of business relationships; Enhanced Due Diligence (EDD) for high-risk or politically exposed customers. All checks must be documented and completed before transaction execution.
Get support →Customers, counterparties and transactions must be continuously screened against sanctions lists (UAE national, UN, OFAC, etc.), and transactions should be monitored for unusual patterns.
Get support →If you identify unusual or suspicious activity that could indicate money laundering, you must file a Suspicious Transaction Report (STR) with the FIU through the goAML portal within required timelines (typically within 3–5 working days of identification).
Get support →Your business must establish and maintain documented internal policies, procedures and controls covering: customer acceptance policy; risk management procedures; KYC/CDD/EDD processes; transaction monitoring and escalation rules; reporting mechanisms. These should be approved by senior management and reviewed regularly.
Get support →Maintain detailed records of all CDD, transactions, risk assessments, training logs, screening results and STRs for a minimum of five years (often longer as best practice) so you can demonstrate compliance to regulators.
Get support →Under updated laws (e.g., Federal Decree-Law no. 10 of 2025), compliance is mandatory for regulated entities (banks, DNFBPs such as accountants, lawyers, real estate agents, VASPs, etc.). Authorities may conduct inspections, and non-compliance can lead to significant fines, license suspension or legal action.
Get support →We'll help you meet UAE AML/CFT requirements—from goAML registration to policies, MLRO and ongoing compliance.
Get in Touch