Expert AML Compliance Services in Dubai, UAE
Ignoring AML rules can cost your business heavy fines, frozen accounts, and loss of credibility. At HMCS Financials, we make AML compliance simple, fast, and audit-ready for you.
- Meet all AML/CFT requirements of the UAE
- Simplify complex compliance into clear, actionable steps
- Tailored solutions for DNFBPs and high-risk sectors
- goAML registration, STR filing & inspection support
Trusted by 500+ businessesAudit-ready framework100% UAE compliant
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Businesses Served
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AED 5M
Max Fine Avoided
Audit Pass Rate
0
%
AML Services
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Packages
Our AML Compliance Packages
Choose an AML compliance package that fits your business size, risk profile, and regulatory obligations.
Silver
For newly registered companies beginning their AML compliance journey
- ✓goAML Registration with FIU
- ✓EOCN Clarification & Sanctions List Subscription
- ✓Custom AML Policies & Procedures
- ✓Reliable PEP & Sanction Screening
Most Popular
Gold
For scaling or established companies requiring full AML/CFT compliance coverage
- ✓Everything in Silver
- ✓Customer Due Diligence (CDD) & Enhanced DD (EDD)
- ✓Risk Assessment (Business-Wide)
- ✓Ongoing Transaction Monitoring Framework
- ✓AML Training — Compliance, Employees & Agents
- ✓Quarterly AML Compliance Report
- ✓STR / SAR Filing to goAML Portal
Services
Anti-Money Laundering Compliance Services in Dubai
We help DNFBPs in the UAE meet all AML/CFT requirements with ease — whether you’re setting up for the first time or upgrading your framework.
goAML Registration
We handle your complete FIU registration so your business is officially listed on the UAE’s goAML portal and ready for ongoing reporting obligations.
Custom AML Policies
Tailored AML/CFT policies and procedures built specifically for your business type, risk profile, and industry — always legally compliant with UAE regulations.
Periodic AML/CFT Report
We prepare accurate and timely periodic AML compliance reports on your behalf, keeping you stress-free and ahead of regulatory deadlines at all times.
Compliance Framework Setup
We design clear roles, responsibilities, and internal controls for your organisation — built to pass regulatory review every single time.
Risk Assessments & KYC
We guide you through risk questionnaires, transaction checks, and KYC processes to build a robust, risk-based compliance approach.
Inspection Support
Facing a Ministry of Economy inspection? We prepare your documentation, strategy, and team in full so you walk into every inspection with confidence.
Sanctions Screening
We implement and manage screening tools to help you detect and block sanctioned individuals and entities before they become a regulatory or reputational risk.
Regulatory Reporting
Timely and accurate goAML and TFS reports filed on your behalf so you consistently avoid fines, compliance flags, or regulatory enforcement actions.
AML Audit Assistance
Stay audit-ready at all times. Our team ensures your AML policies, periodic reports, and transaction records fully meet UAE AML standards and regulator expectations.
AML Services
What Are AML Compliance Services in the UAE?
AML (Anti-Money Laundering) compliance services are specialised solutions that help businesses identify, prevent, and report suspicious financial activities. These services protect companies from risks associated with money laundering, terrorist financing, and other unlawful financial practices — while ensuring full compliance with UAE regulations.
In the UAE, Designated Non-Financial Businesses and Professions (DNFBPs) are legally required to follow these rules — often without fully realising the extent of their obligations.
Preventive controls focus on stopping money laundering before it reaches your business. In the UAE, this includes proper KYC and CDD to verify clients and UBOs, sanctions screening against EOCN and global lists, risk-based client classification, and regular staff training to identify red flags early — even before onboarding is completed.
Detective controls monitor ongoing activity to identify risks that may bypass initial checks. UAE businesses are expected to track transactions for unusual patterns, conduct periodic reviews of high-risk clients, and perform internal AML audits. These measures ensure suspicious behaviour is identified promptly and compliance processes remain consistent.
Reporting controls ensure regulatory authorities are informed once suspicious activity is identified. This includes timely filing of STRs or SARs through the goAML system, maintaining records for at least five years, and ensuring MLRO oversight. These actions support transparency, regulatory cooperation, and legal accountability under UAE AML laws.
AED 5M
Max Penalty Per Violation
DNFBP Categories
Who is Considered a DNFBP in the UAE?
According to Federal Decree Law No. 20 of 2018 and Cabinet Decision No. 10 of 2019, the following entities are classified as DNFBPs
and are legally required to comply with AML/CFT regulations.
and are legally required to comply with AML/CFT regulations.
🏠
Real Estate Brokers & Agents
Involved in buying, selling, or leasing of property
📊
Auditors & Accountants
Providing accounting, audit, bookkeeping, or financial advisory services
🏢
Corporate Service Providers
Setting up or managing companies and legal structures
⚖️
Law Firms & Legal Consultants
When involved in financial, corporate, or trust-related transactions
💎
Dealers in Precious Metals & Stones
Including gold, diamonds, and jewellery traders
₿
Virtual Asset Service Providers
Including crypto exchanges and digital wallet providers (VASPs)
🏛️
Trust & Company Service Providers
Offering nominee, directorship, or registered office services
📋
Tax Consultants & Advisors
Advising on tax and wealth structuring involving high-risk financial flows
🚗
Luxury Goods & High-Value Dealers
Trading art, luxury cars, yachts, and antiques vulnerable to money laundering
Not Sure If Your Business Qualifies as a DNFBP?
Our top AML experts in Dubai can review your business setup and guide you to full compliance — confidentially and quickly.
DNFBP Compliance
Why DNFBPs Can't Ignore AML Compliance
DNFBPs are on the frontline of AML regulations. If you deal with large transactions, cross-border clients,
or high-value assets, you are a target for money laundering risks in Dubai.
or high-value assets, you are a target for money laundering risks in Dubai.
01
Legal Obligation
UAE Ministry of Economy & FIU enforce strict AML/CFT rules across all regulated sectors.
Fines: AED 50K – AED 5M
02
Risk Mitigation
Detect suspicious financial activity early and significantly reduce your exposure to money laundering risks in the UAE.
03
Regulatory Scrutiny
Non-compliant DNFBPs face unannounced audits, heavy penalties, and potential licence suspension or revocation.
04
Business Continuity
Strong AML compliance keeps your operations running smoothly and supports healthy, uninterrupted banking relationships.
05
Reputation & Trust
Builds long-term credibility with clients, institutional banks, international partners, and regulators alike.
06
Global Blacklisting Risk
Non-compliance can land your business on international watchlists, blocking access to banks and global business partners.
UAE Regulations
Key Anti-Money Laundering Regulations in the UAE
A comprehensive overview of the core UAE AML/CFT legal instruments and regulatory guidance that affect
all Financial Institutions and DNFBPs.
all Financial Institutions and DNFBPs.
Federal Decree Law No. 20 of 2018
AML & Combating Financing of Terrorism
The foundational legislation on Anti-Money Laundering (AML) and Combating the Financing of Terrorism (CFT). Applicable to all financial institutions and DNFBPs operating in the UAE — the backbone of the entire AML regulatory framework.
Cabinet Decision No. 74 of 2020
Terrorism Financing & Proliferation
Focuses on implementing UN Security Council Resolutions relating to combating terrorism financing and proliferation of weapons of mass destruction. Governs the management of local terrorism designation and listing processes.
Cabinet Decision No. 10 of 2019
Implementing AML Obligations for DNFBPs
Issued to implement the provisions of Decree Law No. 20 of 2018, this decision outlines detailed AML compliance obligations specifically for DNFBPs — including risk assessments, maintaining policies, and fulfilling reporting requirements.
MoE Sectoral Guidelines
DNFBP-Specific Regulatory Guidance
Sector-specific AML/CFT guidance issued by the UAE Ministry of Economy. These guidelines help DNFBPs understand how to apply legal requirements based on their unique operational risks, business activities, and transaction types.
Why HMCS
Why Choose HMCS Financials
We prepare your AML framework for the moment regulators look closely — not just when forms are filed.
Our approach is proactive, precise, and built for long-term compliance.
Our approach is proactive, precise, and built for long-term compliance.
End-to-End AML Compliance Support
From initial risk assessment to regulatory reporting, HMCS manages the complete AML lifecycle — ensuring nothing is missed, misinterpreted, or overlooked.
UAE-First Regulatory Alignment
All AML frameworks are built strictly in line with UAE laws, Ministry of Economy guidelines, and regulator expectations across all relevant authorities.
Expertise in goAML Portal Management
Expert management of the UAE’s official goAML portal — ensuring hassle-free registration, precise suspicious activity reporting, and full FIU compliance.
Robust Due Diligence Frameworks
We implement structured KYC, customer due diligence, and UBO verification processes to reduce your exposure to financial crime and regulatory risk.
Ongoing Monitoring & AML Audits
We support continuous transaction monitoring, periodic internal reviews, and AML audits to maintain long-term compliance — not just one-time filings.
Risk Mitigation Against Heavy Penalties
Our proactive approach prevents costly AML violations by identifying compliance gaps early and ensuring timely, corrective action before regulators notice.
Testimonials
Our Clients' Trust Says It All
Behind every rating is a business that found AML clarity, confidence, and compliance with HMCS
Financials Accounting and Taxation.
Financials Accounting and Taxation.
At first, I wasn’t sure whether my company even qualified as a DNFBP. HMCS’s experts made everything simple, clarified all requirements clearly, and built our complete AML framework without any delays.
MD
Managing Director
Real Estate Brokerage, Dubai
With regulations shifting so often, we struggled to keep up. HMCS didn’t just design our AML policies — they streamlined our entire audit preparation process. For once, we feel ahead of compliance.
FM
Finance Manager
Gold Trading Company, UAE
We needed AML compliance fast to onboard international partners. HMCS’s team acted immediately, aligned our policies with VARA guidelines, and gave us the confidence to expand without regulatory fear.
CE
CEO
FinTech Startup, UAE
Need Help Understanding What Applies to Your Business?
Our AML consultants in the UAE will review your business setup, identify your legal obligations, and guide you through the right compliance steps — fast, clear, and fully confidential.
FAQ
FAQs on Anti-Money Laundering in the UAE
Find clear, quick answers to the most common questions about AML compliance services in Dubai and across the UAE.
Under AML UAE laws, all Financial Institutions (FIs) and Designated Non-Financial Businesses and Professions (DNFBPs) — including real estate firms, jewellery dealers, accountants, legal consultants, and corporate service providers — are legally required to comply with anti-money laundering regulations in the UAE.
Yes, registration is mandatory. goAML is the UAE’s official reporting platform for suspicious transactions. All DNFBPs operating under AML Dubai regulations must register on the goAML portal and regularly report any suspicious financial activity to maintain legal compliance with FIU requirements.
Key requirements include: goAML registration with the FIU, preparing comprehensive AML policies and procedures, conducting a formal risk assessment, screening against international sanctions lists, maintaining proper transaction records for at least five years, and submitting regular reports including STRs/SARs to the FIU through goAML.
Non-compliance with AML regulations in the UAE can result in extremely heavy fines ranging from AED 50,000 up to AED 5 million per individual violation, suspension or permanent revocation of your business licence, and in serious cases, criminal charges against responsible individuals including company directors and compliance officers.
An AML risk assessment helps identify and evaluate your business’s exposure to money laundering risks based on your specific activities, client types, and transaction patterns. It is a regulatory requirement for all DNFBPs and ensures your compliance controls are risk-based, proportionate, and aligned with the UAE’s AML/CFT framework.
Yes, absolutely. We provide full MoE inspection support — from documentation preparation to staff coaching and strategy — ensuring your business is thoroughly ready and confidently compliant during any Ministry of Economy AML inspection or audit.
Get Started Today
Turning Complex AML Compliance into Simple & Strategic Growth
Don’t wait for an audit notice. Let HMCS Financials get your AML framework audit-ready today — protecting your business, your licence, and your reputation.