AML/CFT/CPF Basic Package
All Designated Non-Financial Businesses and Professions (DNFBPs) operating in the UAE are legally required to comply with AML, CFT, and CPF laws and regulations. Non-compliance exposes entities to regulatory actions, including financial penalties, remedial directives, and increased supervisory scrutiny.
The UAE regulatory framework is comprehensive and continues to evolve. While the obligations extend beyond what is listed here, the requirements outlined below represent the core compliance foundations that UAE regulators — whether the Ministry of Economy (Mainland), FSRA (ADGM), or DFSA (DIFC) — expect to be in place from day one of operations, with zero tolerance for their absence.
This Basic AML/CFT/CPF Package is specifically designed for:
-
Newly established DNFBPs
-
Entities with limited operations or transaction volumes
-
Businesses seeking to build a customized regulator-ready compliance framework efficiently
When implemented correctly, this package addresses approximately 65%–75% of the mandatory regulatory requirements, providing a solid and defensible compliance baseline. As business size, transaction volume, and risk exposure increase, regulatory expectations and scrutiny naturally intensify — making early, structured compliance a strategic advantage rather than a reactive obligation.
This package allows DNFBPs to start compliant, operate confidently, and scale responsibly, while ensuring alignment with UAE regulatory expectations from the outset.
Important Note:
All services included within this package represent mandatory regulatory obligations for Designated Non-Financial Businesses and Professions (DNFBPs) operating in the UAE. These requirements are not optional, and failure to implement or maintain any of it may result in financial penalties, supervisory actions, or disciplinary measures by the Ministry of Economy’s AML/CFT Department and other applicable competent authorities.
1- AML/CFT/CPF Policies, Procedures & Controls
We design tailored AML/CFT/CPF policies, procedures and internal controls aligned with UAE regulatory requirements, ensuring a structured, defensible, and inspection-ready compliance framework.
2- GOAML Registration
We manage the complete goAML registration process with the UAE Financial Intelligence Unit, ensuring your entity is properly registered, configured, and ready to meet its regulatory reporting obligations.
A clear login guidance document, operational brief are provided to support ongoing use and additionally, a proof of registration will be provided.
3- EOCN Subscription
We will subscribe your company to the Executive Office for Control & Non-Proliferation (EOCN) system, ensuring official access to sanctions and proliferation-related notifications.
A clear guidance and a practical briefing will be provided to support ongoing monitoring and compliance obligations.
4- AML/CFT/CPF Training
We deliver structured 2-hours AML/CFT/CPF training tailored to your business and regulatory obligations, ensuring management and staff understand their compliance roles and responsibilities.
Training materials and completion certificates are provided to support regulatory expectations and inspection readiness.
5- List of ML/TF/PF Red-flag indicators
We provide a tailored list of money laundering, terrorist financing, and proliferation financing red-flag indicators specific to your industry and risk profile, enabling effective identification, escalation, and assessment of suspicious activities in line with UAE regulatory expectations.
6- Two KYC (Know Your Customer) Forms
We design two tailored KYC onboarding forms—one for individual clients and one for corporate clients—aligned with your industry and UAE regulatory requirements. The forms are structured to capture only the information required by law, ensuring an efficient, client-friendly onboarding experience without unnecessary complexity or friction.
7- Two Sophisticated & Advanced Risk Profiling/ Assessment Tools
We design two advanced, Excel-based client risk assessment tools—one for individual clients and one for corporate clients—covering all required inherent risk factors, including customer profile, geographic exposure, products and services provided, delivery channels, targeted financial sanctions, and proliferation financing risks. The tools are structured in line with UAE regulatory expectations and recognized supervisory practices, supporting consistent, defensible risk profiling and compliance decision-making.
8- Politically Exposed Persons (PEP) Approval Form
We design a dedicated PEP approval and onboarding form to document the enhanced due diligence process for politically exposed persons and to record the senior management approval for onboarding PPEs, or approving transactions involving PEPs. The form captures all mandatory information required for politically exposed persons, including details of their position, source of wealth considerations, applied risk mitigation measures and senior management approval.
9- Enhanced Due Diligence (EDD) Form
We design a comprehensive Enhanced Due Diligence (EDD) form to document the onboarding process for high-risk clients or transactions, capturing the rationale for high-risk classification, detailed client information, applied risk-mitigation measures, and formal senior management approval. The form ensures EDD is conducted, approved, and documented in accordance with UAE AML/CFT/CPF regulatory requirements.
10- Recommendations on Screening Tools
We provide recommendations on suitable screening tools and subscription options that meet UAE AML/CFT/CPF regulatory requirements. The recommendations are tailored to your company’s size, transaction volume, operational complexity, and budget, ensuring effective sanctions, PEP, and adverse media screening without unnecessary cost or system overreach.