Comprehensive AML Compliance Services in Dubai
goAML Registration & Setup
We handle end-to-end goAML registration with the UAE FIU, ensuring your business is properly enrolled, configured, and ready for mandatory reporting without delays or errors.
Customized AML Policies & Procedures
We develop AML/CFT policies tailored to your business activity, risk exposure, and regulatory obligations, ensuring full compliance with UAE laws and international standards.
Periodic AML & CFT Compliance Reporting
Our team prepares and submits required AML/CFT reports on a periodic basis, helping you meet ongoing regulatory requirements while reducing internal workload and compliance stress.
AML Compliance Framework Implementation
We design and implement a complete compliance framework defining roles, responsibilities, internal controls, and escalation procedures aligned with UAE regulatory expectations.
Risk Assessment, KYC & Due Diligence
We assist in conducting business risk assessments, customer due diligence, and KYC reviews using a risk-based approach to identify, evaluate, and mitigate financial crime exposure.
Regulatory Inspection & Examination Support
Facing a regulatory inspection or supervisory review? We prepare your documentation, internal processes, and staff to confidently handle inspections and regulator queries.
Sanctions & Watchlist Screening
We implement effective sanctions screening mechanisms to identify prohibited individuals, entities, and transactions, helping prevent exposure to sanctioned or high-risk parties.
Regulatory & Suspicious Activity Reporting
We ensure accurate and timely submission of goAML, TFS, and other regulatory reports to help you avoid penalties, fines, and compliance breaches.
AML Audit Readiness & Support
Our audit assistance services help you stay inspection-ready by reviewing policies, reports, and records to ensure full alignment with UAE AML audit requirements.
DNFBP in the UAE
Real Estate Brokers & Agents
Businesses involved in the buying, selling, leasing, or management of real estate properties, including off-plan and secondary market transactions.
Auditors & Accountants
Firms providing accounting, auditing, bookkeeping, or financial advisory services related to financial records and transactions.
Corporate Service Providers
Companies assisting with business setup, company management, shareholder structuring, and legal entity administration.
Trust & Company Service Providers
Entities offering nominee shareholders, directors, trustees, registered office services, or similar corporate control arrangements.
Law Firms & Legal Consultants
Legal professionals involved in financial, corporate, real estate, trust, or transactional services beyond courtroom representation.
Dealers in Precious Metals & Stones
Businesses trading in gold, diamonds, jewellery, and other precious metals or stones, especially in high-value cash transactions.
Virtual Asset Service Providers (VASPs)
Companies engaged in virtual asset activities such as crypto exchanges, wallet providers, and digital asset custody services.
Tax Consultants & Advisors
Professionals advising on tax planning, wealth structuring, or financial arrangements involving cross-border or high-risk transactions.
Luxury Goods & High-Value Dealers
Dealers trading in luxury assets such as cars, yachts, art, antiques, or collectibles that may be vulnerable to misuse for money laundering.
30%
Reduction in Compliance Gaps
80%
Less Manual Compliance Work
78%
Higher Regulatory Readiness
Why AML Compliance Is Mandatory for DNFBPs in the UAE
UAE AML laws are strictly enforced by the Ministry of Economy and the Financial Intelligence Unit (FIU). Regulatory penalties can range from AED 50,000 up to AED 5 million, along with additional enforcement actions.
Effective AML measures help identify suspicious activities early, reducing exposure to money laundering, fraud, and terrorist financing risks.
Non-compliant DNFBPs are subject to inspections, audits, administrative penalties, and in serious cases, suspension or cancellation of business licenses.
Strong AML compliance supports uninterrupted business operations and helps maintain healthy banking and financial relationships.
A compliant AML framework strengthens trust with clients, banks, regulators, and international partners, protecting your brand credibility.
Failure to comply can result in blacklisting or placement on monitoring lists, which may restrict access to banks, payment services, and cross-border transactions.
Anti-Money Laundering (AML) Solutions in Dubai
Understanding the different components of AML compliance enables businesses to build a strong, effective framework that aligns with UAE regulations and reduces exposure to financial crime risks.
AML solutions are generally structured across three key control layers, each serving a specific compliance purpose.
Preventive Controls (First Line of Defence)
Detective Controls (Ongoing Monitoring & Oversight)
Reporting Controls (Regulatory & FIU Obligations)
Key Anti-Money Laundering Regulations
Federal Decree-Law No. 20 of 2018
Cabinet Decision No. 74 of 2020
Cabinet Decision No. 10 of 2019
AML/CFT Guidelines for DNFBPs
Diligence Risk Management
Why Partner with DRM
Complete AML Compliance Coverage
From initial risk assessment to ongoing reporting, Vista manages the full AML compliance lifecycle, ensuring nothing is overlooked and every requirement is properly addressed.
Strong Due Diligence Structures
Vista designs and implements robust KYC, CDD, and screening processes to help identify high-risk clients early and reduce exposure to financial crime.
Built for UAE Regulatory Standards
Our AML frameworks are developed strictly in accordance with UAE laws, Ministry of Economy guidance, FIU requirements, and sector-specific regulatory expectations.
Continuous Monitoring & Audit Support
We support ongoing transaction monitoring, internal AML reviews, and audit readiness so your compliance remains effective long after initial setup.
goAML Portal Expertise
We handle end-to-end management of the UAE’s goAML system, including registration, report submissions, and ongoing updates—ensuring accuracy and FIU alignment at all times.
Protection from Costly Penalties
Our proactive approach identifies compliance gaps before regulators do, helping you avoid fines, sanctions, and operational disruptions.
FAQs on Anti-Money Laundering (AML) Compliance in the UAE
Under UAE AML laws, compliance is mandatory for all Financial Institutions and Designated Non-Financial Businesses and Professions (DNFBPs). This includes sectors such as real estate, precious metals and stones dealers, auditors, accountants, legal professionals, corporate service providers, and other regulated entities operating in the UAE.
AML registration involves enrolling your business on the UAE’s goAML platform and aligning operations with FIU and Ministry of Economy requirements. For regulated entities and DNFBPs, AML registration is compulsory and required to legally operate and submit suspicious transaction reports.
DNFBPs must implement a risk-based AML framework, including customer due diligence (KYC/CDD), risk assessments, sanctions screening, internal AML policies, staff training, record keeping, and timely reporting through the goAML system.
Non-compliance can result in significant fines ranging from AED 50,000 to AED 5 million, along with license suspension, business restrictions, reputational damage, and potential criminal liability depending on the severity of violations.
An AML risk assessment identifies your business’s exposure to money laundering and terrorism financing risks based on clients, transactions, geography, and services. It forms the foundation of a compliant AML framework and is often reviewed during regulatory inspections.
Yes. We provide full inspection support, including document preparation, compliance gap analysis, mock audits, regulator-ready reporting, and on-site or remote assistance to ensure smooth Ministry of Economy or supervisory authority inspections.