AML | EXPERT
Anti-Money Laundering Compliance Services
AML Expert delivers end-to-end Anti-Money Laundering (AML/CFT) compliance services for Financial Institutions, DNFBPs, and VASPs across all UAE Emirates and Free Zones. Stay protected under Federal Decree-Law No. 10 of 2025.
AML compliance in the UAE means meeting the Anti-Money Laundering and Counter Financing of Terrorism (AML/CFT) obligations set by Federal Decree-Law No. 10 of 2025 — including goAML registration, customer due diligence, risk assessments, and suspicious transaction reporting to the UAE Financial Intelligence Unit.
AML Expert is a specialist AML/CFT consultancy based in the UAE serving real estate firms, auditors, lawyers, gold traders, corporate service providers, fintech startups, and financial institutions across all seven Emirates.
Our team of certified compliance professionals brings deep expertise in UAE AML laws, FATF recommendations, goAML portal operations, and regulatory reporting — ensuring your business navigates complex requirements with full confidence.
Complete goAML portal registration for all designated entities. We manage documentation, entity setup, user creation, and full FIU onboarding end-to-end without delays.
Get Started →Custom-drafted AML/CFT policies, internal controls, and procedure manuals compliant with UAE Federal Decree-Law No. 10 of 2025 and FATF standards.
Get Started →Annual Business Risk Assessments (BRA), Customer Risk Profiles, and inherent risk scoring aligned with UAE supervisory authority expectations.
Get Started →Design and implementation of Know Your Customer (KYC), Customer Due Diligence (CDD), and Enhanced Due Diligence (EDD) with PEP screening and sanctions monitoring.
Get Started →Expert preparation and submission of STR, SAR, DPMSR, HRC, PNMR, and CNMR reports to the UAE FIU via the goAML portal — accurately and on time.
Get Started →Experienced Money Laundering Reporting Officers (MLRO) available on an outsourced basis for regulatory compliance, staff oversight, and ongoing FIU liaison.
Get Started →Comprehensive review of your existing AML framework against current UAE regulations, identification of compliance gaps, and a prioritised remediation roadmap.
Get Started →Interactive AML/CFT training programs for all staff levels — covering UAE laws, red flags, reporting obligations, and best practices from front-line to senior management.
Get Started →Full setup of a compliant internal AML compliance function including structure design, role definitions, reporting lines, systems selection, and operational procedures.
Get Started →Independent yearly review of your entire AML/CFT framework to verify it is operating effectively — identifying weaknesses, documenting findings, and keeping your compliance practices current with evolving UAE regulations.
Get Started →Complete readiness support for supervisory authority inspections — mock on-site reviews, document preparation, gap remediation before the regulator visits, and representation support during the actual examination.
Get Started →Screening of customers and counterparties against UN, UAE Local, and global sanctions lists. Targeted Financial Sanctions (TFS) compliance, automatic reporting system registration, and PNMR/CNMR filing for any matches.
Get Started →
What is goAML? The goAML system is a reporting platform developed by the United Nations Office on Drugs and Crime (UNODC) and operated by the UAE Financial Intelligence Unit (FIU). All UAE Financial Institutions, DNFBPs, and VASPs must register on goAML to report suspicious transactions related to money laundering and terrorist financing.
Under Federal Decree-Law No. 20 of 2018 (updated by Law No. 10 of 2025), ALL Financial Institutions, DNFBPs, and VASPs in the UAE must register on goAML. Failure attracts fines of AED 50,000 – AED 1 Million.
UAE administrative penalties for AML violations range from AED 50,000 to AED 5,000,000 per violation. Professional compliance support drastically reduces your exposure to fines, license actions, and enforcement measures.
Hidden weaknesses in KYC procedures, transaction monitoring, or record-keeping often only surface during a regulator inspection — when it is too late. Our health checks and gap analyses find and fix issues before authorities do.
From Federal Decree-Law No. 10 of 2025 to Cabinet Decisions, FATF recommendations, and sector-specific supervisory guidance — UAE AML rules change frequently. We track every update so your framework never falls behind.
UAE banks increasingly require proof of AML compliance before opening or maintaining corporate accounts, and several authorities link license renewal to AML obligations. Compliance keeps your business operational.
Being associated with money laundering — even unknowingly — can permanently damage your brand. A robust AML program signals integrity to clients, partners, banks, and regulators alike.
Hiring a full-time MLRO and compliance team is expensive. Our outsourced compliance services give you certified AML expertise, ongoing monitoring, and regulatory reporting at a fraction of the in-house cost.
Federal Decree-Law No. 10 of 2025 significantly increased enforcement powers and penalties. Non-compliance can result in severe financial penalties, license suspensions, and even criminal prosecution of senior management.
The UAE Ministry of Economy (MOE), Central Bank (CBUAE), and Free Zone regulators actively conduct AML inspections — and non-compliant businesses face immediate action.
🛡️ Get Compliant NowFederal Decree-Law No. 10 of 2025 — penalties are stricter than ever before
Fines for failure to register on the goAML portal or submit mandatory STR/SAR reports to the UAE Financial Intelligence Unit.
Supervisory authorities including MOE, CBUAE, ESCA, and Free Zone regulators can suspend or permanently revoke your business license.
Senior management and Compliance Officers face personal criminal liability for willful non-compliance or failure to prevent money laundering under the new 2025 law.
Deep expertise in Federal Decree-Law No. 10 of 2025, Cabinet Decisions, CBUAE guidelines, and FATF recommendations — giving you practical, jurisdiction-specific advice.
We have streamlined the goAML registration process for 500+ businesses. Our team minimises delays and gets you registered quickly and accurately.
All client data and compliance documentation are handled with strict confidentiality under robust data security protocols — your business is protected.
Serving clients across all 7 UAE Emirates and major Free Zones including DIFC, ADGM, DMCC, JAFZA, RAKEZ, IFZA, Sharjah Media City, and more.
A dedicated compliance consultant assigned to your account for ongoing queries, regulatory updates, and timely filing of all required goAML reports.
Bespoke AML programs designed for your specific industry — whether you are a real estate broker, gold trader, accountant, fintech, or CSP.
Free assessment of your business type, regulatory obligations and existing compliance position
Detailed review of your current AML framework against UAE law requirements
goAML registration, policy drafting, KYC/CDD procedures and risk assessment documentation
Customised AML/CFT training for your entire team covering UAE laws and reporting
Continuous compliance management, regulatory updates, STR/SAR filing and annual reviews
We understand that compliance can feel overwhelming — especially with frequently changing regulations. That is why AML Expert takes a practical, business-first approach to building AML/CFT frameworks that actually work.
From small independent real estate brokers to large financial institutions, we tailor every solution to fit your business size, industry, and risk profile — ensuring you are protected without unnecessary complexity.
📋 Request a Free Assessment"AML Expert handled our goAML registration and full AML policy documentation within two weeks. Their team was professional, responsive and knew exactly what our real estate firm needed. Highly recommended!"
"As a precious metals dealer in Sharjah, AML compliance was overwhelming. AML Expert simplified the entire DPMSR reporting process and trained our staff brilliantly. We are now fully protected and compliant."
"Our fintech startup needed an AML framework from scratch. AML Expert delivered a comprehensive compliance program, goAML registration, and outsourced MLRO service that fully satisfied our VARA requirements."
The goAML system, developed by UNODC, is the UAE FIU's platform for collecting intelligence on suspicious financial transactions. Under Federal Decree-Law No. 10 of 2025, all Financial Institutions, DNFBPs, and VASPs must register on goAML and submit regulatory reports.
Designated Non-Financial Businesses and Professions (DNFBPs) include Real Estate Agents, Dealers in Precious Metals and Stones, Auditors and Accountants, Lawyers and Notaries, Trust and Company Service Providers, and other high-value transaction businesses.
Entities that fail to register face financial penalties of AED 50,000 to AED 1,000,000. Repeated violations under the 2025 law can result in license suspension, asset freezes, and personal criminal liability for company officers.
Required: (1) Company authorization letter in favour of the applicant, (2) Passport copy, Resident Visa and Emirates ID, and (3) Commercial/Trade License copy. Our team prepares and verifies all documentation before submission.
With proper documentation, goAML registration typically takes 3–7 business days. Our team manages the two-step authentication setup, entity profile creation, and FIU onboarding to ensure swift activation of your goAML account.
No. Under Federal Decree-Law No. 10 of 2025, all DNFBPs must comply regardless of size. Small accounting firms, individual brokers, and gold dealers all have the same AML obligations as large financial institutions.
An STR must be filed on goAML when your business identifies a transaction that raises reasonable grounds to suspect money laundering or terrorist financing. Failure to file an STR is a criminal offence under UAE law.
Yes. UAE AML regulations apply to all Free Zone businesses including DMCC, JAFZA, DIFC, ADGM, IFZA, RAKEZ, and all others. The Federal AML law applies to every UAE-registered entity regardless of Free Zone jurisdiction.
🛡️ Our Service CommitmentWe respond to all enquiries within 24 hours. All consultations are strictly confidential and without obligation. Our experts will assess your current AML position and recommend the most cost-effective path to full compliance with UAE law.
🔒 All enquiries are strictly confidential. We respect your privacy.