AML Audit to Confirm Your Compliance Program Actually Works
Independent review of your AML/CFT controls, policies and transaction monitoring, so you can demonstrate compliance before the regulator asks.
AML Audit: Testing Whether Your Program Actually Works
Having an AML/CFT policy on file and goAML registration in place isn’t the same as having a program that actually functions. An AML audit independently tests whether your customer due diligence, transaction monitoring and suspicious activity reporting are being applied in practice — not just documented on paper — and benchmarks your program against current UAE AML/CFT regulations.
We test your program the way a regulator would, identify any gaps between policy and practice, and deliver a formal audit report with a clear remediation plan you can act on before an inspection finds the same gaps first.
Why You Need an AML Audit
Regulators inspecting DNFBPs don’t just check whether a policy document exists — they test whether it’s being followed. A business that can’t demonstrate its CDD, KYC and monitoring controls are actually working faces the same penalties, up to AED 1,000,000 per violation, as a business with no program at all. A periodic independent AML audit is how you find that gap before an inspector does.
Documents Required for an AML Audit
- AML/CFT policy manual — your current written policies and procedures.
- Risk assessment documentation — your business-wide and customer risk assessments.
- Sample customer due diligence files — CDD and KYC records for testing against your policy.
- Transaction monitoring records — logs and any suspicious activity reports filed.
- goAML registration certificate — confirming your platform registration is active and current.
- Staff training records — evidence of AML/CFT training delivered to relevant employees.
- Independent review of your AML/CFT policies and procedures
- Assessment of Customer Due Diligence (CDD) and KYC practices
- Testing of transaction monitoring and suspicious activity reporting
- Review of goAML registration and reporting compliance
- Gap analysis against UAE AML/CFT regulations
- Formal AML audit report for management and regulators
The Max Master Advantage
AML/CFT Specialists
Advisors who work with UAE AML regulations and goAML every day.
Regulator-Ready Reporting
Audit reports built to withstand regulatory scrutiny.
Dedicated Account Manager
One point of contact from review through to remediation.
Built For
A Simple, Transparent Process
Program Review
We review your existing AML/CFT policies and procedures.
Controls Testing
We test CDD, KYC and transaction monitoring in practice.
Gap Analysis
We identify gaps against current UAE AML/CFT regulations.
Audit Report & Remediation Plan
We deliver a formal report and a clear plan to close any gaps.
Frequently Asked Questions
Who is required to have an AML audit?
UAE DNFBPs (real estate, precious metals, company service providers and others) are expected to maintain and periodically review an effective AML/CFT program.
How often should we run one?
We recommend at least an annual AML audit, or sooner if your business or risk profile changes significantly.
What happens if gaps are found?
We provide a clear, prioritized remediation plan and can support you in implementing the fixes.
Is this the same as AML compliance registration?
No. AML compliance covers setting up your program and goAML registration; an AML audit independently tests whether that program is actually working.
Prove your AML program works
Talk to our AML specialists today — no obligation, no jargon, just clear advice.