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.

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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.

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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.

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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.

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How the Service Works

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

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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).

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• 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.

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• 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.

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• 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.

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

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

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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.

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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

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

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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

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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

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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

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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.

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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. 

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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

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

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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.

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

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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