Regulatory compliance
AML Compliance
Many UAE businesses outside banking have anti-money laundering obligations — and regulators expect them to be taken seriously. We help you understand what applies to you and put practical controls in place.
The challenge
AML rules can feel written for banks, yet real estate agents, dealers in precious metals and stones, corporate service providers and other designated businesses must also assess risk, know their customers and report suspicious activity. Gaps in policies or records can lead to serious penalties.
How Lexor helps
We help you identify whether your business is in scope, assess your money laundering risks, and develop proportionate policies, procedures and records — so your team knows what to do and you can demonstrate compliance.
What's included
Applicability review
Confirming whether your activities bring you within the UAE AML/CFT framework.
Business risk assessment
Documenting the money laundering and terrorist financing risks your business faces.
Policies and procedures
Drafting proportionate AML policies, customer due diligence and record-keeping procedures.
Customer due diligence support
Practical templates and guidance for identifying and verifying customers.
goAML readiness
Guidance on registration and reporting obligations through the UAE FIU's goAML platform.
Compliance health checks
Periodic reviews of how your controls work in practice.
Who it's for
- Real estate brokers and agents
- Dealers in precious metals and stones
- Corporate service providers and similar professional firms
- Other businesses unsure whether AML rules apply to them
How the engagement works
- 1
Scope
We confirm which obligations apply to your activities.
- 2
Assess
We document your risks and review current controls.
- 3
Build
We prepare policies, procedures and practical templates.
- 4
Embed
We help your team apply them and review them periodically.
Compliance considerations
Summary for general guidance only, reviewed October 2026. Tax and regulatory rules change — confirm current requirements with the official authority or speak to us about your situation.
- UAE AML/CFT legislation applies to financial institutions and to designated non-financial businesses and professions (DNFBPs).
- In-scope businesses are generally expected to assess risk, conduct customer due diligence, keep records, appoint a compliance officer and report suspicious transactions.
- Reporting is made to the UAE Financial Intelligence Unit through the goAML platform, and supervision is carried out by the authority responsible for each sector.
- AML compliance is a legal responsibility of the business and its management. Our support helps you meet it but does not transfer that responsibility.
Official source:
Frequently asked questions
It depends on your activities, not just your licence type. Real estate, precious metals and stones, and corporate services are common examples. We can review your activities and confirm.
In-scope businesses are generally expected to appoint one. We can explain the role and help you document the arrangements.
Reporting decisions and submissions are the responsibility of your business and its compliance officer. We help you set up procedures so your team knows when and how to report.
Related services
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Discuss AML Compliance with Lexor
Tell us about your business and we'll come back with a clear scope and a free, customised quote.