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Compliance Framework

AML Framework

UAE regulators expect a written, defensible AML framework. We design, implement and govern yours end-to-end.

Build your framework →
  • Business-wide risk assessment
  • Policies and procedures manual
  • Compliance monitoring programme
  • Governance and oversight structure

AML Framework

AML Framework

We design, implement and maintain AML and CTF compliance frameworks that meet UAE regulatory expectations and scale with your business, from risk assessment to ongoing monitoring.

01

Risk Assessment and Design

Every effective compliance framework starts with a thorough, documented risk assessment. We build one that reflects your actual business model and customer base.

  • Business-wide Money Laundering and Terrorist Financing (ML/TF) risk assessment

    A structured assessment of your inherent and residual risk, documented in a format acceptable to regulators.

  • Customer risk scoring model

    A defensible, tiered approach to customer risk classification driving your CDD programme.

  • Product and channel risk review

    We assess the ML/TF risks specific to your products, services and delivery channels.

02

Policies and Procedures

We write the AML and CTF policies and procedures your firm is required to have. Practical, implementable and aligned to current UAE AML law and FATF standards.

  • AML and CTF policy suite
  • Customer Due Diligence (CDD), Enhanced Due Diligence (EDD) and ongoing monitoring procedures
  • Suspicious Transaction Report (STR) internal reporting procedure

03

Monitoring and Governance

An AML and CTF framework only works if it is monitored and governed. We build the oversight structure that keeps your controls effective over time.

  • Compliance monitoring programme
  • Management information and KRI reporting
  • Annual framework review cycle

Framework Design Process

From risk assessment to operational framework. Structured around your business and regulatory obligations.

01

Scoping

Business model, regulatory permissions and existing controls reviewed.

02

Risk assessment

Business-wide ML/TF risk assessment produced or updated.

03

Policy design

AML and CTF policy and procedure suite drafted and reviewed.

04

Implementation

Policies embedded, staff briefed and controls operationalised.

05

Monitoring

Compliance monitoring programme established with regular reporting.

06

Review

Annual framework review aligned to regulatory change and business growth.

Frequently Asked Questions

Framework design questions

What your framework must contain, how quickly we build it and what maintaining it involves.

Under Federal Law No. 20 of 2018 and Cabinet Decision No. 10 of 2019, AML framework design in the UAE requires regulated entities to maintain a business-wide Money Laundering and Terrorist Financing (ML/TF) risk assessment, written AML and CTF policies and procedures, a customer risk scoring model, Customer Due Diligence (CDD) and Enhanced Due Diligence (EDD) procedures, an internal Suspicious Transaction Report (STR) procedure, and a compliance monitoring programme. We produce all of them.
It is a documented analysis of your firm's exposure to money laundering and terrorist financing risk across your products, customers, geographies and delivery channels. Regulators expect it to be current, defensible and actively used to drive your CDD programme, and it is typically the first document requested in a CBUAE or SCA examination.
A foundational framework, covering risk assessment, core policies and reporting procedures, can be delivered within days for firms under regulatory pressure. A comprehensive programme covering policies, controls, training integration and a monitoring structure typically takes one to two weeks. Not months.
Customer Due Diligence (CDD) is the process of identifying and verifying your customers and understanding the nature of your business relationship. It sits at the heart of any AML framework. We design CDD and Enhanced Due Diligence (EDD) procedures appropriate to your customer base and risk profile, meeting CBUAE and FATF expectations including Ultimate Beneficial Owner (UBO) identification.
Yes. If you already have policies in place but have concerns about their quality, currency or regulatory adequacy, we conduct a gap analysisagainst current requirements and produce targeted updates, without rebuilding from scratch where it isn't needed.
Annual risk assessment reviews, policy updates triggered by regulatory change, compliance monitoring programme outputs and management reporting. We offer this as a retained service that keeps your framework current, without requiring you to maintain a full-time compliance resource in-house.

Have a compliance question, or need a trusted adviser?

If direct contact suits you better, you can reach us by email.

hi@solvere247.com

To discuss your AML or CTF needs faster, you can call us directly.

+971 52 591 3448

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