UAE administrative penalties for AML violations range from AED 50,000 to AED 5,000,000 per violation. Professional compliance support drastically reduces your exposure to fines, license actions, and enforcement measures.
Hidden weaknesses in KYC procedures, transaction monitoring, or record-keeping often only surface during a regulator inspection — when it is too late. Our health checks and gap analyses find and fix issues before authorities do.
From Federal Decree-Law No. 10 of 2025 to Cabinet Decisions, FATF recommendations, and sector-specific supervisory guidance — UAE AML rules change frequently. We track every update so your framework never falls behind.
UAE banks increasingly require proof of AML compliance before opening or maintaining corporate accounts, and several authorities link license renewal to AML obligations. Compliance keeps your business operational.
Being associated with money laundering — even unknowingly — can permanently damage your brand. A robust AML program signals integrity to clients, partners, banks, and regulators alike.
Hiring a full-time MLRO and compliance team is expensive. Our outsourced compliance services give you certified AML expertise, ongoing monitoring, and regulatory reporting at a fraction of the in-house cost.
Federal Decree-Law No. 10 of 2025 significantly increased enforcement powers and penalties. Non-compliance can result in severe financial penalties, license suspensions, and even criminal prosecution of senior management.
The UAE Ministry of Economy (MOE), Central Bank (CBUAE), and Free Zone regulators actively conduct AML inspections — and non-compliant businesses face immediate action.
🛡️ Get Compliant NowFederal Decree-Law No. 10 of 2025 — penalties are stricter than ever before
Fines for failure to register on the goAML portal or submit mandatory STR/SAR reports to the UAE Financial Intelligence Unit.
Supervisory authorities including MOE, CBUAE, ESCA, and Free Zone regulators can suspend or permanently revoke your business license.
Senior management and Compliance Officers face personal criminal liability for willful non-compliance or failure to prevent money laundering under the new 2025 law.
Deep expertise in Federal Decree-Law No. 10 of 2025, Cabinet Decisions, CBUAE guidelines, and FATF recommendations — giving you practical, jurisdiction-specific advice.
We have streamlined the goAML registration process for 500+ businesses. Our team minimises delays and gets you registered quickly and accurately.
All client data and compliance documentation are handled with strict confidentiality under robust data security protocols — your business is protected.
Serving clients across all 7 UAE Emirates and major Free Zones including DIFC, ADGM, DMCC, JAFZA, RAKEZ, IFZA, Sharjah Media City, and more.
A dedicated compliance consultant assigned to your account for ongoing queries, regulatory updates, and timely filing of all required goAML reports.
Bespoke AML programs designed for your specific industry — whether you are a real estate broker, gold trader, accountant, fintech, or CSP.
Free assessment of your business type, regulatory obligations and existing compliance position
Detailed review of your current AML framework against UAE law requirements
goAML registration, policy drafting, KYC/CDD procedures and risk assessment documentation
Customised AML/CFT training for your entire team covering UAE laws and reporting
Continuous compliance management, regulatory updates, STR/SAR filing and annual reviews
We understand that compliance can feel overwhelming — especially with frequently changing regulations. That is why AML Expert takes a practical, business-first approach to building AML/CFT frameworks that actually work.
From small independent real estate brokers to large financial institutions, we tailor every solution to fit your business size, industry, and risk profile — ensuring you are protected without unnecessary complexity.
📋 Request a Free Assessment"AML Expert handled our goAML registration and full AML policy documentation within two weeks. Their team was professional, responsive and knew exactly what our real estate firm needed. Highly recommended!"
"As a precious metals dealer in Sharjah, AML compliance was overwhelming. AML Expert simplified the entire DPMSR reporting process and trained our staff brilliantly. We are now fully protected and compliant."
"Our fintech startup needed an AML framework from scratch. AML Expert delivered a comprehensive compliance program, goAML registration, and outsourced MLRO service that fully satisfied our VARA requirements."
UAE Federal Decree-Law No. 10 of 2025 requires all Financial Institutions, DNFBPs and VASPs to maintain an AML/CFT compliance framework. Non-compliance is a legal obligation, not an optional best practice — every covered entity must register on goAML, screen customers, and file required reports.
Non-compliant businesses face financial penalties from AED 50,000 up to AED 1,000,000 per violation, potential license suspension, asset freezes, and personal criminal liability for company officers and the designated Compliance Officer or MLRO.
Yes. Obligation is based on business activity and sector — not company size. A small real estate brokerage, an independent gold dealer, or a single-partner law firm can all fall under DNFBP obligations regardless of revenue or headcount.
Beyond avoiding penalties, a proper AML/CFT framework protects your business from being used — knowingly or unknowingly — for money laundering or terrorist financing, which safeguards your banking relationships, reputation, and license to operate in the UAE.
Timelines depend on your current state, but most clients achieve full goAML registration, policy documentation, and initial risk assessment within 2 to 4 weeks with our support.
