End-to-End Anti-Money Laundering (AML) Compliance Services in the UAE
Would your AML/CFT framework withstand a UAE supervisory inspection?
Not just on paper — but in practice.
If you're a UAE Designated Non-Financial Business or Profession (DNFBP), including real estate brokers, dealers in precious metals and stones or jewellery, auditors, independent accountants, corporate or trust service providers, legal professionals, or another AML-regulated business, your AML framework needs to demonstrate more than documented policies.
It needs to show that your controls are risk-based, implemented and working effectively.
Is Your AML Framework Inspection-Ready?
Would Your Business Pass the Inspection?
UAE supervisory authorities assess whether businesses have a genuine, risk-based AML/CFT framework that operates consistently in practice.
ASK YOURSELF
- Do you understand the money laundering and terrorist financing risks specific to your business?
- Is your Enterprise-Wide Risk Assessment (EWRA) documented, current and approved?
- Can you explain why customers are classified as low, medium or high risk?
- Are beneficial owners, PEPs, sanctions exposure and adverse information properly assessed?
- Are Enhanced Due Diligence (EDD) measures applied where higher risks exist?
- Are unusual activities detected, investigated, escalated and reported appropriately?
- Are AML records complete, consistent and readily retrievable?
- Have employees received relevant, role-based AML training?
- Has the effectiveness of your AML framework been independently tested?
The Risk of Weak AML Compliance
Weaknesses in your AML framework may expose your business to regulatory, financial and operational consequences.
Regulatory Action
Financial Penalties
Reputational Damage
Banking Difficulties
Business Disruption
Senior-Led AML Consulting Grounded in Real-World Experience
Kumano's AML practice is led by a partner with approximately 30 years of corporate leadership experience, including around 25 years across compliance, risk management, internal audit and governance.
This experience provides practical insight into how boards, business owners and senior management deal with:
- Risk
- Control failures
- Governance
- Regulatory requirements
- Operational realities
The objective is not simply to provide documentation. It is to translate regulatory expectations into practical controls that work within your business.
Every engagement receives senior-level attention, practical judgement and an understanding of the importance of operations, banking relationships, reputation and long-term business value.
End-to-End AML Compliance Services for UAE DNFBPs and Regulated Businesses
AML Health Check & Gap Assessment
Review your existing AML framework and identify gaps affecting inspection readiness.
↗Enterprise-Wide Risk Assessment (EWRA)
Assess your money laundering and terrorist financing risks across your business.
↗AML/CFT Policies & Procedures
Develop practical policies and procedures aligned with your business and regulatory requirements.
↗KYC, CDD & EDD
Strengthen customer identification, due diligence and enhanced due diligence processes.
↗Customer & Transaction Risk Classification
Establish practical risk classification and assessment controls.
↗Beneficial Ownership, PEP, Sanctions & Adverse Media
Review the controls used to identify and assess key financial crime risks.
↗goAML Registration & Regulatory Reporting
Support with goAML registration and applicable regulatory reporting requirements.
↗Outsourced Compliance Officer & MLRO Services
Provide outsourced compliance and MLRO support, subject to applicable regulatory requirements and agreed scope.
↗AML Training
Role-based AML training for management and employees.
↗Independent AML Internal Audit
Independently assess the effectiveness of your AML/CFT framework.
↗Supervisory Inspection Readiness & Remediation
Prepare your business for supervisory scrutiny and address identified gaps.
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Practical UAE AML Compliance — Not Standard Templates
We don't simply provide standard documents and walk away. Kumano focuses on helping businesses build a framework that works within their actual operations.
Understand the Risk
Identify the AML/CFT risks relevant to your business.
Establish the Controls
Develop practical controls appropriate to your risk profile.
Implement Within the Business
Ensure the framework works operationally, not just on paper.
Create Evidence
Build evidence demonstrating that your AML framework operates effectively.
Our approach is tailored to the nature, size and risk profile of your business.
From AML Gap Identification to Inspection Readiness
Assess
Review your existing AML framework, risks and controls.
Identify
Identify documentation, process, governance and implementation gaps.
Strengthen
Develop or improve practical AML/CFT controls.
Implement
Support implementation across relevant business processes.
Test
Assess whether controls are operating effectively.
Prepare
Help your business prepare for supervisory inspection and regulatory scrutiny.
Don't Wait for a Supervisory Inspection to Test Your AML Framework
No obligation. No sales presentation.
Frequently Asked Questions
Is Your AML Framework Ready for Regulatory Scrutiny?
INFO@KUMANOCONSULTING.COM