AML & CFT Compliance Services.
End-to-end anti-money laundering frameworks, goAML onboarding, external MLRO appointments, and audit defense mapping for regulated businesses in the UAE.
Defending Your Trade License Against Regulatory Enforcement
The UAE has implemented a zero-tolerance policy against financial crimes, aligning closely with Financial Action Task Force (FATF) recommendations. The Ministry of Economy and the Central Bank enforce strict documentation, registration, and reporting requirements for Designated Non-Financial Businesses and Professions (DNFBPs).
Failing to maintain a custom AML manual, neglecting goAML registration, or missing transactions logs is categorized as serious negligence. Ministry inspectors perform targeted on-site compliance audits, with administrative fines starting at AED 50,000 and scaling to AED 1,000,000+ alongside license suspensions.
“Delphi provides audit shielding. We draft your compliance framework, secure goAML registers, and act as your external compliance support to satisfy Ministry inspectors.”
Sectors Under UAE AML Regulatory Scrutiny
Regulators categorise these Designated Non-Financial Businesses and Professions (DNFBPs) as high-exposure areas. Mandatory compliance controls are strictly audited.
Real Estate Brokers & Developers
Regulated by MoE and DLD. Triggered by high-value property sales involving cash payments, virtual assets, or complex multi-owner corporate buyers.
Precious Metals & Stones Dealers
Regulated by MoE. Jewelers, gold refiners, and traders must report all high-value cash transactions exceeding AED 55,000 on the goAML portal.
Corporate Service Providers (CSPs)
Regulated by MoE and Free Zones. Subject to intense audit focus due to nominee director setups, trust creations, and complex UBO declarations.
Accountants & Bookkeeping Firms
Regulated by MoE. Practitioners must report suspicious financial flow patterns or accounting structures found in client company records.
Lawyers & Legal Consultants
Regulated by MoJ. Required to report client transaction anomalies while managing properties, trust accounts, or corporate formations.
Six Pillars of AML Compliance in the UAE
Click on any service card below to view specific guidelines, checklists, and document details.
goAML Onboarding & Registration
Setting up Google Authenticator credentials, managing Central Bank SACM registrations, and submitting documents for system access approval.
AML/CFT Framework Development
Drafting bespoke internal control manuals, client verification policies, risk matrices, and sanctions screening frameworks for DNFBP audits.
External Compliance Officer / MLRO
Appointing qualified, UAE-resident professionals to serve as your external compliance officer (MLRO) for independent regulatory filings and audit liaison.
Risk Assessment & Monitoring
Designing client risk-profiling tools, setting transaction thresholds, and establishing transaction checking frameworks to detect leakage.
Compliance Training & Awareness
Conducting staff workshops, MLRO compliance coaching, and annual training modules required to satisfy Ministry of Economy inspector mandates.
Suspicious Activity reporting
Assisting your compliance team with structuring and documenting Suspicious Transaction Reports (STRs) and SARs for goAML portal filing.
Frequently Asked Questions
Protect Your Trade License.
Secure Compliance.
Ensure your business meets UAE Ministry of Economy and Central Bank requirements. Connect with our AML specialists for a comprehensive risk audit setup.