Federal online system for DNFBP registration and Suspicious Transaction Report filing supervised by CBUAE.
AML Compliance
AML Compliance UAE
Meet UAE anti-money laundering obligations — KPM Global Services supports Designated Non-Financial Businesses and Professions (DNFBPs) with GoAML registration, AML policies, customer due diligence, and ongoing compliance under CBUAE supervision.
- GoAML Registration
- DNFBP Support
- CBUAE Aligned
AML Framework
AML Compliance UAE
1Assess
2Register
3Policy
4Monitor
Mandatory for DNFBPs
Real estate, dealers, auditors, corporates.
500+
UAE Clients Served
15+
Years UAE Experience
7/24
Advisory Support
8
Service Verticals
Overview
AML compliance requirements in the UAE
UAE anti-money laundering (AML) regulations require Designated Non-Financial Businesses and Professions (DNFBPs) — including real estate brokers, precious metal dealers, corporate service providers, auditors, and lawyers — to implement AML policies, conduct customer due diligence (CDD), and report suspicious transactions through the GoAML system supervised by the Central Bank of UAE (CBUAE).
DNFBPs must register on GoAML, appoint a compliance officer, maintain transaction records, screen clients against sanctions lists, and file Suspicious Transaction Reports (STRs) when red flags arise.
KPM Global Services helps UAE businesses assess DNFBP classification, complete GoAML registration, draft AML manuals, and implement practical compliance workflows aligned with UAE Cabinet Decision and CBUAE guidance.
Who This Is For
AML compliance clients
- Real estate agencies and brokers handling property transactions
- Corporate service providers and company formation agents
- Precious metals and high-value goods dealers
- Law firms and auditors with DNFBP obligations
- Free zone entities subject to AML registration requirements
- SMEs uncertain whether activities trigger DNFBP classification
How We Help
UAE AML compliance services
DNFBP assessment
Determine whether your business activities trigger AML obligations.
GoAML registration
Register entity and compliance officer on federal GoAML portal.
AML policy manual
Draft policies covering CDD, STR, record-keeping, and training.
CDD procedures
Implement client identification and beneficial owner verification.
Staff training
AML awareness training for frontline and compliance staff.
Ongoing monitoring
Periodic compliance reviews and regulatory update alerts.
Process
AML compliance implementation steps
- 1
Classification review
Assess activities against UAE DNFBP categories and sector guidance.
- 2
GoAML registration
Register organisation and nominate compliance officer on GoAML.
- 3
Policy development
Draft AML/CFT policy manual tailored to business risk profile.
- 4
CDD implementation
Deploy client onboarding forms and UBO identification checks.
- 5
Training delivery
Train staff on red flags, STR triggers, and record requirements.
- 6
Ongoing compliance
Annual policy review and regulatory update monitoring.
Documents
AML compliance documentation
- Trade licence and constitutional documents
- Compliance officer appointment letter and CV
- Organisational chart and business activity description
- Client onboarding and KYC forms
- AML/CFT policy manual and risk assessment
- Transaction records and CDD files
- Staff training attendance records
- STR filing procedures and escalation matrix
Pricing
AML compliance service costs
Costs depend on DNFBP category and business transaction volume.
- Initial GoAML registration and policy setup
- DNFBP category complexity and sector risk
- Number of staff requiring AML training
- Ongoing compliance retainer versus one-time setup
- Remediation for prior non-registration penalties
CBUAE penalties for non-compliance are severe. KPM Global Services scopes AML engagements after classification assessment.
Timeline
AML compliance setup timeline
Week 1
Assessment
DNFBP classification confirmed; compliance gap analysis.
Week 1–2
GoAML
Entity and compliance officer registered on GoAML.
Week 2–3
Policies
AML manual drafted and approved by management.
Ongoing
Monitoring
CDD, training, and regulatory updates maintained.
Avoid Mistakes
UAE AML compliance mistakes
- Ignoring DNFBP classification because business is not a bank
- Failing to register on GoAML before commencing regulated activities
- No appointed compliance officer with adequate authority
- Inadequate CDD on high-risk clients and beneficial owners
- Not filing STR when red flags identified — criminal liability risk
- Copy-paste AML manuals not reflecting actual business operations
Why KPM
Why Choose KPM Global Services
UAE-focused advisory
Practical guidance on AML compliance in the UAE from a Dubai-based team that works with authorities, banks, and regulators daily.
Clear documentation
Structured checklists, realistic timelines, and transparent scope so you know what is included before you proceed.
Connected services
Link setup, visas, banking, accounting, VAT, Corporate Tax, PRO, and legal support through one coordinated advisory journey.
No generic templates
Advice is tailored to your activity, shareholders, jurisdiction, and operational plans — not a one-size-fits-all package.
Free tool
UAE setup cost estimate
Calculate and check before you speak to an advisor — FTA-aligned thresholds, instant results, PDF export.
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Request a Quote — AML Compliance UAE
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FAQ
AML Compliance UAE — Frequently Asked Questions
Practical answers about aml compliance uae in the UAE.
Ready to get started with AML Compliance UAE?
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