Anti-Money Laundering Compliance, Built to Protect Your Business
End-to-end AML solutions — from risk assessment to real-time monitoring — that keep you compliant with UAE regulations and build stakeholder trust.
AML/CFT Compliance in the UAE
Under UAE Federal Decree-Law No. 20 of 2018 and its amendments, Designated Non-Financial Businesses and Professions (DNFBPs) — including real estate agents, dealers in precious metals and stones, and company service providers — are legally required to maintain an active Anti-Money Laundering and Counter-Terrorism Financing (AML/CFT) compliance program. This includes registering on the goAML platform, appointing a compliance officer, and maintaining written policies covering customer due diligence, risk assessment and suspicious transaction reporting.
Compliance isn’t a one-time registration — it’s an ongoing program that has to reflect how your business actually operates. We set up your full AML/CFT framework, register you on goAML, and keep your policies current as your business and the regulations evolve.
Why You Need AML/CFT Compliance Support
Non-compliance with UAE AML/CFT obligations carries penalties that can reach AED 1,000,000 per violation under Cabinet Decision No. 10 of 2019 and its amendments, alongside potential licence suspension for repeated or serious breaches. Regulators are actively inspecting DNFBPs, and a business without a documented, working compliance program is exposed regardless of whether any actual money laundering has occurred.
Documents Required for AML/CFT Compliance
- Trade licence copy — confirming your DNFBP activity classification.
- Ultimate Beneficial Owner (UBO) details — ownership and control information for your entity.
- Compliance officer appointment letter — naming the individual responsible for AML/CFT oversight.
- Business relationship and customer records — to build your customer due diligence and risk assessment framework.
- Existing AML policies — if any framework is already in place, for review and gap analysis.
- goAML registration details — existing account information, if previously registered.
Our AML Services
A complete compliance ecosystem, tailored to your risk profile.
Risk Assessment & Gap Analysis
Evaluate your existing AML policies and identify gaps before regulators do.
Learn more →Customer Due Diligence (CDD/EDD)
Rigorous KYC procedures, including enhanced due diligence for high-risk clients and PEPs.
Learn more →Real-Time Transaction Monitoring
Detect, flag and report suspicious activity with proactive monitoring.
Learn more →Regulatory Reporting (SARs)
Timely, accurate Suspicious Activity Report filing and audit trail maintenance.
Learn more →AML Training Programs
Practical training that keeps your team current on compliance obligations.
Learn more →Built for Regulated Businesses
Our AML services are tailored across a wide range of DNFBP and financial sectors.
The Max Master Advantage
Everything you get when you hand AML compliance over to our team.
Regulatory Expertise
Deep understanding of UAE AML laws, so your business meets and exceeds requirements.
Tailored Approach
Solutions designed around your specific business operations and risk profile.
Proactive Risk Mitigation
Tools and strategies that catch risks before they become liabilities.
A Simple, Transparent Process
From first conversation to ongoing support, here’s what working with us looks like.
Risk Assessment
We evaluate your exposure and existing controls against UAE AML requirements.
Policy & Framework Design
A compliant AML policy and framework built around your business.
Implementation & Training
We roll out the framework and train your team to apply it correctly.
Ongoing Monitoring
Continuous monitoring, reporting and support to stay compliant year-round.
Frequently Asked Questions
What is AML compliance and who needs it?
Anti-Money Laundering (AML) compliance means having policies, procedures and controls in place to detect and prevent money laundering and terrorism financing. In the UAE, it’s mandatory for DNFBPs (designated non-financial businesses and professions) such as real estate agents, dealers in precious metals, corporate service providers, and regulated financial and insurance businesses.
Do I need to register with goAML?
If your business falls under a regulated category, yes — registration on the UAE’s goAML platform is mandatory, along with ongoing suspicious activity reporting. We handle the registration and reporting process for you.
What happens if my business doesn’t comply?
Non-compliance can result in significant fines, license suspension, and reputational damage. UAE regulators have increased AML enforcement significantly in recent years.
How long does an AML risk assessment take?
A typical risk assessment and gap analysis takes one to two weeks, depending on the size and complexity of your business.
Can you handle ongoing AML reporting, not just setup?
Yes. Beyond initial registration and framework design, we provide ongoing monitoring, SAR filing support, and periodic policy reviews to keep you compliant as regulations evolve.
Ready to secure your AML compliance?
Talk to our experts today — no obligation, no jargon, just clear advice.