Navigating UAE And International AML Requirements With Clarity, Ensuring Your Business Operates Safely And Compliantly.

AML & Compliance Advisory and Independent Audit, Risk Assessment & Gap Analysis, AML/CTF Policies & Procedures, goAML Registration & Reporting, Compliance Advisory, Compliance Advisory

AML Audits & Independent Reviews

We provide end-to-end tailored solutions to your regulatory exposure

AML Audits & Independent Reviews

We provide end-to-end tailored solutions to your regulatory exposure

goAML Registration & Reporting

Full support with registration, system setup, and ongoing reporting obligations

goAML Registration & Reporting

Full support with registration, system setup, and ongoing reporting obligations

Risk Assessment & Gap Analysis

Comprehensive assessments of your current AML framework, Identification of compliance gaps, weaknesses, and exposure areas

Risk Assessment & Gap Analysis

Comprehensive assessments of your current AML framework, Identification of compliance gaps, weaknesses, and exposure areas

Ongoing Compliance Advisory

Continuous guidance to ensure your business remains compliant as regulations evolve

Ongoing Compliance Advisory

Continuous guidance to ensure your business remains compliant as regulations evolve

AML Policies & Procedures

Development of customised AML manuals aligned with UAE laws and international best practices

AML Policies & Procedures

Development of customised AML manuals aligned with UAE laws and international best practices

Ongoing Legal (Retained Services)

Compliance Advisory

Ongoing Legal (Retained Services)

Compliance Advisory

CTF Policies & Procedures

Development of customised CTF manuals aligned with UAE laws and international best practices

CTF Policies & Procedures

Development of customised CTF manuals aligned with UAE laws and international best practices

Dispute Avoidance & Risk Advisory

• Pre-dispute strategy and risk mitigation • Contractual risk analysis • Negotiation and settlement support • Strategic legal planning to avoid litigation

Dispute Avoidance & Risk Advisory

• Pre-dispute strategy and risk mitigation • Contractual risk analysis • Negotiation and settlement support • Strategic legal planning to avoid litigation

Providing Solutions And Converting Opportunities Into Profit

Federal Decree Law No. 20 of 2018

The UAE has implemented a robust regulatory framework to combat financial crime, led by Federal Decree Law No. 20 of 2018, its Cabinet Decisions, and related guidance issued by the Ministry of Economy UAE.

AML Audit Services in the UAE

Businesses operating in regulated sectors are required to implement strict AML/CTF controls, conduct due diligence, maintain records, and report suspicious activities through platforms such as go-AML.

Who Must Comply? (DNFBPs)

If your business operates in any of the following sectors, you are subject to AML regulations in the UAE:

Real Estate Brokers and Developers
Dealers in Precious Metals and Stones (including gold traders)
Company Formation and Corporate Service Providers
Accounting, Audit, and Advisory Firms
Other high-value transaction businesses

These industries are considered high-risk and are under increasing regulatory scrutiny.

Regulatory Risks & Penalties

Failure to comply with UAE AML regulations can lead to:

Administrative fines ranging from AED 50,000 to several million
Suspension or revocation of trade licences
Enhanced regulatory inspections and audits
Reputational damage and loss of business relationships
Criminal liability in serious cases

With enforcement actions increasing across the UAE, businesses must take a proactive approach to compliance.

Key AML/CTF Controls in the UAE

Customer Due Diligence (CDD / KYC)

• Verifying client identity • Understanding ownership structures (including beneficial owners) • Assessing risk level of clients

Suspicious Activity Reporting

• Reporting suspicious transactions via goAML • Filing Suspicious Transaction Reports (STRs) and Suspicious Activity Reports (SARs)

Record Keeping

• Maintaining transaction and customer records (typically for at least 5 years)

Risk Assessment

• Identifying high-risk customers, transactions, and jurisdictions • Maintaining a documented risk-based approach

Internal Policies & Procedures

• Written AML/CTF compliance manuals • Clear internal controls and approval processes

Sanctions Screening

• Checking clients against UAE and international sanctions lists

Ongoing Monitoring

• Monitoring transactions for unusual or suspicious activity • Updating client information regularly

Compliance Officer (MLRO)

• Appointing a Money Laundering Reporting Officer responsible for compliance and reporting

Training & Awareness

• Regular staff training on AML risks, red flags, and reporting obligations

PRICING PLANS

Flexible, Tailored AML Compliance Packages

Dh 1500

Basic Plan

Up to 100 Customers/Year
AML Registration
AML/CFT Policy, Procedures & Controls
Subscribe to EOCN
Risk Assessment Report
FIU Reporting
Sanction Screening: STR
Sanction Reporting
Negative Media - SAR Filing
Watchlist Screening

Get in Touch (WhatsApp)

Dh 2500

Standard Plan

Up to 200 Customers/Year
Unlimited Chat & Mail Support
Quarterly 1 Hour Meeting
Customer Screening
Risk Assessment
Due Diligence
Ongoing Due Diligence
Sanction Screening: STR
Sanction Reporting
Negative Media - SAR Filing
Watchlist Screening

Get in Touch (WhatsApp)

Dh 3500

Premium Plan

Up to 500 Customers/Year
Unlimited Chat & Mail Support
Quarterly 1 Hour Meeting
Customer Screening
Risk Assessment
Due Diligence
Ongoing Due Diligence
Sanction Screening: STR
Sanction Reporting
Negative Media - SAR Filing
Watchlist Screening

Get in Touch (WhatsApp)

Trust the process & grow your business

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Key AML/CTF Controls Required in the UAE

Contact Us? Get in Touch

Hindsight Insight Foresight

9th Floor, Citibank Building, Oud Metha, Dubai

+971 4 262 0209

+0 123 4567 8999

info@commerceinternational.co.uk

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