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AML Compliance &goAML Registration

Anti-money laundering programmes for businesses in regulated sectors, from risk assessment and policies to customer due diligence, compliance officer support and goAML registration.

  • Risk Assessment
  • AML Policies
  • Customer Due Diligence
  • goAML Registration
  • Staff Training

Published Updated

AML Programmes That Work in Practice

UAE anti-money laundering law applies to financial institutions and to designated non-financial businesses and professions (DNFBPs), including real estate brokers, dealers in precious metals and stones, corporate service providers, auditors and accountants. They must assess risk, carry out due diligence, register on goAML and report suspicious activity.

Supervisors expect more than a policy on file. They look for a risk assessment that fits your business, customer checks that are actually done and recorded, sanctions screening, staff training and a compliance officer who knows their duties. We build that programme with you and help you run it.

Financial district skyline (placeholder)

How AML Compliance Works

Six steps to a working programme.

  1. 01

    Applicability Check

    We confirm whether your activities fall under AML obligations and which supervisor applies.

  2. 02

    Risk Assessment

    Business-wide risk assessment covering customers, products, countries and channels.

  3. 03

    Policies & Procedures

    AML policy, due diligence procedures and record-keeping rules written for your business.

  4. 04

    goAML Registration

    Your business registered on goAML with the Financial Intelligence Unit.

  5. 05

    Training

    Staff trained on red flags, due diligence and reporting.

  6. 06

    Ongoing Support

    Periodic reviews, screening support and help preparing for supervisory inspections.

What You Need to Provide

What we typically need to build your programme.

  • Trade licence and activity details
  • Description of customers, products and payment methods
  • Ownership and management structure
  • Existing policies, if any
  • Details of the appointed compliance officer

Why Use TMFS for AML Compliance

A practical programme protects your licence and reputation.

Risk assessment that fits your business

Policies written for how you operate

goAML registration completed

Due diligence procedures staff can follow

Staff training provided

Support ahead of inspections

The TMFS Advantage

What sets our AML work apart.

Practical Programmes

Procedures your team can follow day to day.

Risk-Based

Effort focused where your real risks are.

Inspection-Ready

Records kept the way supervisors expect to see them.

Training

Staff who recognise red flags and know what to do.

Why Businesses Choose TMFS for AML

Three things clients mention most.

Advisors reviewing documents with a client (placeholder)

Fits the business

A programme sized to what you actually do.

Inspection confidence

Ready when the supervisor visits.

Ongoing support

Help when a difficult customer or transaction comes up.

What Clients Say

Feedback from founders who set up with TMFS.

TMFS has truly been a game changer for me. Their personalized approach to financial services made the entire process easy and stress-free. I trust them completely with my investments and feel secure knowing my financial future is in safe hands.

VT
Vipul TibrewalMarketing Manager, PSP Marketing

I've worked with several financial firms, but TMFS stands out with their attention to detail and commitment to understanding my unique needs. Their professional team has guided me every step of the way, and I couldn't be happier with the results.

FA
Fatima Al MansooriRealtor, Frisko

TMFS has been incredibly supportive and responsive throughout my financial journey. Their personalized broker services have exceeded my expectations, and I now recommend them to anyone looking for trustworthy financial guidance.

PN
Priya NairSales

I came to TMFS with a business idea and very little idea of how UAE setup worked. They recommended the right free zone for my activity, handled the licence paperwork, and had my company registered within a week. What impressed me most was the banking. They prepared my bank application alongside the licence, so my business account was opened soon after instead of dragging on for months. One team, one point of contact, and no surprises on cost.

RM
Rahul MenonFounder, E-commerce Start-up

Keeping up with VAT and the new Corporate Tax rules was taking time away from running the business. TMFS took over our bookkeeping, registered us for Corporate Tax and now files our VAT returns every quarter, always ahead of the deadline. Their team explains what is due and why in plain language, and our accounts are finally clean and audit-ready. It is one less thing I have to worry about.

SW
Sarah WhitfieldDirector, Trading Company

TMFS handled my investor visa and then my wife's and children's family visas, and the whole process was far smoother than I expected. They told us exactly which documents we needed, booked the medicals and Emirates ID appointments, and kept us updated at every step. When we later hired our first two employees, they processed those visas just as quickly. I'd trust them with any visa matter.

OH
Omar HaddadManaging Partner, Consultancy

AML Compliance: Frequently Asked Questions

Common questions about AML obligations in the UAE.

Does AML law apply to my business?
It applies to financial institutions and designated non-financial businesses and professions, such as real estate brokers, precious metals and stones dealers, corporate service providers, auditors and accountants. We confirm whether your activities are covered.
What is goAML?
goAML is the UAE Financial Intelligence Unit’s platform for registration and for filing suspicious transaction and other reports.
Do I need a compliance officer?
Regulated businesses must appoint a compliance officer responsible for the AML programme and reporting.
What happens if we are not compliant?
Supervisors can impose significant fines and other sanctions for AML failures.
How often should the programme be reviewed?
At least periodically, and whenever your business, customers or the rules change.
Sources & official references

UAE Ministry of Economy · UAE Financial Intelligence Unit (goAML)

Verification & independence

Prepared from publicly available guidance from the UAE Ministry of Economy and the Financial Intelligence Unit and UAE federal law as of October 2026. Time Machine Financial Services is independent of the UAE Ministry of Economy and the Financial Intelligence Unit and is not affiliated with or acting for any UAE government authority.

AML/CFT laws, supervisory guidance and reporting requirements change. Confirm the current position for your situation with the UAE Ministry of Economy and the Financial Intelligence Unit, or ask us, before acting on this page.

Get expert advice

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  • A straight answer on structure, cost and timeline
  • A reply within one working day
  • A free 20-minute consultation

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