Under UAE AML/CFT/CPF regulations, all DNFBPs are legally required to appoint a Compliance Officer / MLRO responsible for overseeing the AML compliance function, conducting due diligence, monitoring transactions, and ensuring adherence to regulatory obligations.

However, in practice, many companies — particularly startups, small-sized entities, or businesses with limited transaction volumes — may not have the operational need or financial capacity to appoint a full-time, in-house MLRO or compliance department.

Our Solution

To address this, we offer a Monthly AML/CFT/CPF Support Service, where we act as your outsourced MLRO, handling all core compliance responsibilities on your behalf in a structured, professional, and regulator-aligned manner.

This service allows your company to maintain full regulatory compliance without the overhead cost of building an internal compliance function or recruiting a full-time in-house compliance officer.

How the Service Works

Our service is designed to be practical, hands-on, and fully integrated into your daily operations.

Whenever your company initiates or about to close a deal/ conduct a transaction:

You share the client and transaction details with us (Client's ID documents and available contracts).

We provide you with the KYC document that has to be filled and singed by the client and we provide you with a clear list of required documents and information to be collected from the client.

Upon receiving the documents and info, we perform:
- KYC review and ID verification.
- PEP, Sanctions screening and checks (including TFS and PF exposure).
- Adverse media and public domain search.
- Customer Risk Assessment.
- Assessment of source of funds / supporting documents.
- Evaluating the need of applying enhanced due diligence (EDD) measures.

We subsequently prepare a comprehensive, inspection-ready client compliance profile and share it with you, along with key insights and tailored recommendations. This profile includes:
- KYC documentation (KYC form & ID documents).
- Transaction and deal documents (all contracts, agreements, invoices, receipts, copies of payment methods pertaining to the deal).
- CDD / EDD reports (as applicable - according to risk-based due diligence process).
- Sanctions & PEP Screening reports.
- Adverse media & public domain search outcomes.
- Risk assessment reports.

All documents are consolidated into a well-organized, professional client file (single structured folder/PDF), ready for internal use or regulatory review

This process is repeated for each transaction, ensuring that every deal is fully compliant, properly documented, and inspection-ready.

Ongoing Compliance Support

Beyond transaction handling, we also:

Guide your team on what to collect and how to handle clients.
Support internal staff (e.g., accountant, admin, or owner) acting as the point of contact.
Ensure consistent application of AML procedures across all transactions/ deals.
Provide continuous oversight to reduce compliance risks.
We address and respond to any questions or enquiries raised by you or your team in a clear, timely, and professional manner.
We provide strategic guidance and tailored recommendations on additional AML/CFT/CPF compliance requirements relevant to your business.
Guide you on the best ways and techniques to document all client's info.

Flexible & Scalable Pricing

The service is offered on a monthly basis, with pricing structured based on:

Volume of monthly transactions handled by the company
Level of support required

This ensures a cost-efficient and scalable solution tailored to your business size and activity level.

Why This Service is Critical

Failure to properly implement AML/CFT/CPF requirements — even for smaller companies — can result in:

Regulatory penalties
Fines and enforcement actions
Negative inspection outcomes

Our service ensures that your company:

Remains fully compliant with UAE AML regulations
Is always prepared for inspections and audits
Avoids costly compliance failures
Avoids the cost of hiring a qualified compliance officer

Unmatched Quality & Professionalism

Unlike basic outsourcing services, our approach is:

Highly structured and detail-oriented
Aligned with regulatory expectations in the UAE
Practical and operational (not theoretical)
Focused on producing clear, inspection-ready documentation
Managed by highly-qualified and experienced consultants

The client files we prepare are exceptionally organized, easy to review, and fully defensible, ensuring that any regulator, auditor, or inspector can clearly understand the compliance measures taken.

Scope Clarification & Additional Coverage

It is important to note that this service is strictly focused on day-to-day AML/CFT/CPF operational compliance activities, particularly those related to client onboarding, due diligence, screening, and customer risk assessment.

Accordingly, this service does not include the following, which can be provided separately as standalone services:

Business-Wide Risk Assessment (BWRA)
AML/CFT/CPF Policy & Procedures Development
Semi-Annual MLRO Reports
Independent AML Audit (which must be conducted by an independent party to avoid conflict of interest)
AML/CFT/CPF Training Programs

These services require separate engagement to ensure independence, proper scope allocation, and full regulatory alignment.

Additional Value – Employee Screening (KYE)

As part of our support, we also conduct employee screening (Know Your Employee – KYE) in line with UAE Ministry of Economy expectations, ensuring that individuals being hired are appropriately screened prior to onboarding.

This adds an additional layer of protection to the organization by reducing internal risks and strengthening the overall compliance framework.

The Result

By the end of this service, your company will have:

A fully functional outsourced AML compliance function
Complete and well-documented client files for every transaction
Reduced regulatory risk and exposure
Confidence in handling compliance requirements
A cost-effective alternative to hiring a full-time MLRO

Get This Service