AML in the UAE
Anti-money laundering compliance for UAE regulated entities
One platform for customer due diligence, sanctions and PEP screening, transaction monitoring, case evidence, and the Travel Rule — mapped to the supervisor that licenses you, and hosted in the UAE.
Obligations
What UAE AML/CFT compliance requires in practice
The obligations below are common across UAE supervisors. VerifiX implements each one as a configurable control with an evidence trail, so compliance work leaves a record.
Customer due diligence
Identify and verify every customer and beneficial owner before the business relationship starts, and re-verify when risk or circumstances change.
Sanctions and PEP screening
Screen customers, owners, and counterparties against sanctions, PEP, and adverse-media sources, with ongoing re-screening as lists change.
Risk-based approach
Classify customers by risk and apply simplified or enhanced due diligence accordingly, with the rationale recorded for each decision.
Transaction monitoring
Monitor activity for unusual patterns, escalate alerts to a case, and document the outcome of each investigation.
Record keeping
Retain identity evidence, screening results, and decision trails so a supervisor or auditor can reconstruct any decision later.
Governance and reporting
Assign MLRO ownership, keep four-eyes approvals on high-risk cases, and produce the reporting your supervisor expects.
By supervisor
Mapped to your regulator, not a generic template
Preset journeys exist for the UAE supervisors below. Other GCC supervisors are configured on request.
CBUAE
Banks, exchange houses, finance companies, insurers, and payment providers licensed by the Central Bank of the UAE.
VARA
Virtual asset service providers licensed in Dubai — exchanges, custodians, brokers, and transfer services.
CMA
Capital market participants — brokerages, investment firms, and asset managers.
DFSA
Firms authorized in the Dubai International Financial Centre.
FSRA
Firms authorized in Abu Dhabi Global Market, including virtual asset activity.
Full journey detail per regulator is on Why VerifiX.
How it runs
From license requirement to exportable evidence
- 1
Pick your regulator journey
Start from a preset journey for CBUAE, VARA, CMA, DFSA, or FSRA instead of building policy logic from scratch. Journeys are configurable, not hard-coded.
- 2
Verify identity and entities
KYC for individuals, KYB with beneficial-owner discovery for entities, and enhanced due diligence routing where risk requires it.
- 3
Screen and score
Sanctions, PEP, and adverse-media screening feed a weighted risk score with an explainable breakdown per customer.
- 4
Monitor and investigate
Transaction and wallet monitoring raises alerts into case management, where analysts work them with notes, attachments, and approvals.
- 5
Export the evidence
Every decision, screening hit, and approval is retained and exportable per customer on request, so audit and supervisory questions have an answer.
Built for the UAE
Why UAE teams choose VerifiX
- UAE-region hosting on AWS and Azure
- ITSEC is certified to ISO 27001 and ISO 22301
- Preset regulator journeys for CBUAE, VARA, CMA, DFSA and FSRA
- Travel Rule exchange at the AED 3,500 threshold via Notabene and TRP
- MLRO-ready case management with four-eyes approvals
- API and SDKs for onboarding flows you already own
FAQ
UAE AML questions we get asked
Who has AML obligations in the UAE?
Does VerifiX cover the Travel Rule?
Where is the data hosted?
How is the platform priced?
Talk through your AML program
Bring your license type and volumes — we will walk through the journey, the modules, and the evidence your supervisor will ask for.