AML Compliance Services in UAE
AML compliance is now a legal obligation for a wide range of businesses in the UAE not just banks. If your business handles high-value transactions, works with third-party funds, or falls under the UAE’s Designated Non-Financial Businesses and Professions (DNFBP) category, you are required by law to have an AML programme in place.
Our AML compliance consultants help UAE businesses build, implement, and maintain a full AML framework so you stay on the right side of the Central Bank of UAE, the FIU, and the FATF requirements. No gaps. No guesswork.
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Does AML Compliance Apply to Your Business?
Many UAE businesses are surprised to learn they fall under AML obligations. If your business is in any of the following categories, AML compliance is not optional:
- Auditors, accountants, and tax advisors handling client funds or transactions
- Real estate agents and property brokers dealing in high-value property
- Company formation agents and corporate service providers
- Legal professionals managing client accounts or transactions
- Dealers in precious metals, gemstones, and high-value goods
- Financial institutions, exchange houses, and payment service providers
- Free zone companies with international transactions above AED 55,000
If your business falls into any of these categories and you do not have a documented AML policy, a risk assessment, and goAML registration in place, you are already in violation of UAE law.
The Cost of Non-Compliance Is Not Worth the Risk
- Fines of up to AED 1,000,000 for failure to implement an AML programme
- Criminal liability for directors and senior management in serious cases
- Business licence suspension or cancellation by your free zone authority
- Reputational damage and loss of banking relationships
- Escalating penalties under the UAE’s National Action Plan on AML/CFT
The UAE is on the FATF monitoring list and is actively strengthening enforcement. Regulators are conducting more inspections, and the consequences for unprepared businesses are increasing every year.
What Our AML Compliance Service Covers
AML Risk Assessment
We conduct a full business-wide AML risk assessment identifying your exposure to money laundering, terrorist financing, and proliferation financing risks. This is the foundation of any compliant AML programme and is required by UAE law.
AML Policy and Procedure Development
We write your AML, CFT, and CPF policies from scratch or review and update existing ones. Every policy is aligned with CBUAE guidelines, UAE Federal Law No. 20 of 2018, and the latest FATF recommendations. Clear, practical, and audit-ready.
goAML Registration and Suspicious Transaction Reporting
UAE businesses are required to register on the goAML platform operated by the UAE Financial Intelligence Unit (FIU) and submit Suspicious Transaction Reports (STRs) and Suspicious Activity Reports (SARs) when required. We manage your goAML registration and guide you through the reporting process.
Customer Due Diligence (CDD) and KYC Framework
We build your Customer Due Diligence and Know Your Customer procedures covering standard CDD, Enhanced Due Diligence (EDD) for high-risk clients, and Simplified Due Diligence where applicable. Your team will know exactly how to onboard clients in a compliant way.AML Compliance Officer Support
Every DNFBP is required to designate a Money Laundering Reporting Officer (MLRO). We provide outsourced MLRO support acting as your compliance officer or advising your internal nominee on their obligations, reporting duties, and escalation procedures.AML Training for Staff
Compliance is only as strong as the people delivering it. We provide AML awareness training for your team covering red flags, reporting obligations, and how to handle suspicious behaviour. Training records are documented and ready for regulatory inspection.Ongoing Compliance Monitoring and Annual Review
AML is not a one-time exercise. We conduct annual reviews of your AML framework, update your risk assessments as your business evolves, and keep your policies aligned with any changes in UAE law or FATF guidance.
How We Work
01.
Risk Assessment
We conduct your business-wide AML risk assessment the starting point for everything that follows.
02.
Policy and Framework Build
We write your AML policies, CDD procedures, and internal controls. We handle your goAML registration and MLRO designation support.
03.
Training and Implementation
We train your team and help you embed the compliance framework into your day-to-day operations.
Hear What Our Clients Have to Say
Testimonials
Partnering with Entegrix has really been a game-changer for our business. The team took time to understand the specific needs of the business and developed services that were tailored uniquely to our company’s situation. This feature has been helpful in financial planning and has really allowed for a clear picture of my financial status. The ability to integrate their service fluidly into our operations saved us so much time, but now our reports also come out a lot more accurate than before.
John D
Business Owner
The expertise and professionalism demonstrated by Entegrix give us the confidence that our financial records are in good hands. Their team introduced us to advanced accounting software that enabled us to get real-time access to our financial data, hence giving us more transparency and efficiency. The seamless integration of their services into our daily operations has resulted in considerable time savings and improved accuracy in our financial reporting. The commitment of Entegrix to understand our business and tailor their services accordingly has been instrumental in our financial planning.
Jessy P
Business Owner
Frequently Asked Question
Is AML compliance mandatory for accounting firms in the UAE?
Yes. Accounting and auditing firms are classified as DNFBPs under UAE law and are required to have a full AML programme in place including a documented risk assessment, AML policy, goAML registration, and staff training. Non-compliance carries significant penalties.
What is goAML and do I need to register?
goAML is the online platform operated by the UAE Financial Intelligence Unit (FIU) used to submit Suspicious Transaction Reports and Suspicious Activity Reports. All DNFBPs are required to register on goAML. We handle this registration for you as part of our service.
What is a Designated Non-Financial Business and Profession (DNFBP)?
DNFBPs are businesses outside the financial sector that are still subject to AML obligations because of the nature of their transactions. Under UAE law, this includes accountants, auditors, lawyers, real estate agents, company formation agents, and dealers in precious metals or stones.
How long does it take to put an AML programme in place?
For most small to medium businesses, we can have a complete AML framework risk assessment, policies, goAML registration, and initial training in place within 3 to 4 weeks from the start of our engagement.
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Start with Entegrix
Book a free consultation. We will review your business, tell you exactly what your AML obligations are, and give you a clear, fixed price to get fully compliant.