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AML Policy and goAML Registration

If you are a DNFBP, an AML policy and an active goAML registration are legal obligations. The ministry has suspended firms for three months over the registration alone.

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Four kinds of business have carried anti money laundering obligations in the UAE for years, being real estate firms, auditors and accountants, dealers in precious metals and stones, and trust or company service providers, and commercial gaming operators have since been added. If you are one of them you are a designated non financial business or profession, a DNFBP, supervised by the Ministry of Economy and Tourism. You are required to hold a written AML policy, assess your risk, run customer due diligence, keep records, appoint a compliance officer and register on goAML and keep that registration active. The fine is not the sharpest risk. In a published announcement the ministry suspended fifty DNFBP establishments for three months purely for failing to register on goAML, with the suspension in force until they registered. Three months of suspended trading costs most small firms more than any fine on the schedule.

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Key Features

  • Status established first, because a firm that is not a DNFBP does not need any of this, and a firm that is has been obliged since before it asked the question
  • A written AML policy built to what the supervisor expects, covering risk assessment, customer due diligence, ongoing monitoring, and the reporting of suspicious transactions
  • goAML registration completed and kept active, with the compliance officer registered as the system user, which is how the ministry guidance requires it to be held
  • Record keeping set up to the statutory period, since the obligation is to hold complete records of transactions and to produce them on request
  • You supply your trade licence, your activity, your customer types and your transaction volumes, which is what sets the risk assessment the policy is built on

Benefits for Your Business

  • Registered and active on goAML, which is the single point the ministry has suspended firms over.
  • A policy that reflects your actual business rather than a downloaded template with another name on it.
  • A compliance officer appointed and registered properly, rather than named on paper only.
  • An honest answer on whether you are a DNFBP at all, which for many firms is the end of the matter.
General information, not legal or compliance advice. UAE anti money laundering obligations sit in Federal Decree-Law 10 of 2025 and the administrative penalty schedule annexed to Cabinet Resolution 71 of 2024, with DNFBPs supervised by the Ministry of Economy and Tourism. DIFC and ADGM operate their own regimes under their own regulators and are outside this service. Requirements were read on 16 September 2026 and change.
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AML Policy and goAML Registration for DNFBPs | Entityz