Stay AML Compliant in the UAE.
Expert goAML registration, risk assessment, and ongoing monitoring tailored for your business. We help you meet regulatory obligations with confidence.
FATF Alignment
100% Regulated
Our Comprehensive AML Services
End-to-end solutions for regulated entities, ensuring your business stays ahead of the UAE Financial Intelligence Unit (FIU) requirements.
Risk Assessment
Thorough evaluation of customer profiles, products, and geographic exposure to identify sector-specific vulnerabilities.
goAML Registration
Complete assistance with UAE FIU registration, SACM portal setup, and Google Authenticator configuration.
CDD & KYC Programs
Implementation of robust identity verification, beneficial ownership identification, and sanctions screening.
Transaction Monitoring
Automated solutions to detect unusual patterns and high-value transfers that deviate from normal behavior.
MLRO Training
Guidance on appointing qualified Compliance Officers and providing annual awareness programs for your staff.
STR/SAR Reporting
Expert assistance in filing Suspicious Transaction Reports within the mandatory 2-day regulatory window.
Compliance Requirements at a Glance
| Requirement | Description | Frequency |
|---|---|---|
| Risk Assessment | Evaluate TF/ML risks based on customers, geography, and products. | Annual or on material change |
| CDD / KYC | Verify identities, screen sanctions, and identify beneficial owners. | At establishment & periodically |
| goAML Registration | Register as a reporting entity with UAE Financial Intelligence Unit. | Initial + ongoing updates |
| MLRO Appointment | Designate a qualified compliance officer with management access. | Permanent Role |
| Record Keeping | Maintain records of transactions, diligence, and ID documents. | Minimum 5-year retention |
Penalties for Non-Compliance
The UAE imposes severe administrative penalties for AML violations. Beyond financial loss, businesses face license suspension and reputational damage.
AED 200,000
Failure to conduct EDD on high-risk clients or tipping off customers.
AED 100,000
Inadequate CDD procedures or failure to identify beneficial owners.
Up to AED 1,000,000
Non-compliance with goAML registration requirements.
Who Must Comply?
- ✓ Financial Institutions (Banks, Exchanges, Payment Providers)
- ✓ DNFBPs (Real Estate, Gold Dealers, Lawyers, Accountants)
- ✓ Virtual Asset Service Providers (Crypto Exchanges)
- ✓ Professional Service Providers (Trusts, Auditors)
"Administrative penalties can reach up to AED 50 million for serious breaches."
Compliance FAQs
What is goAML?
The UAE Financial Intelligence Unit's online platform for reporting suspicious transactions. Registration is mandatory for all reporting entities.
How long does registration take?
Typically 1-2 weeks with Paci.ai, provided all documentation is accurate and company structures are verified.
What are the record-keeping rules?
You must maintain all client and transaction documentation for at least 5 years from the end of the business relationship.
Can you help with ongoing monitoring?
Yes. We provide continuous monitoring, periodic risk reassessments, and regulatory update alerts to keep you compliant.
Get Your Free Assessment.
Schedule a consultation with our AML specialists to evaluate your risk profile and ensure your business is fully protected.
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