Outsourced MLRO, Compliance Officer and Finance Officer services for DFSA, FSRA, SCA, CBUAE and DNFBP-regulated firms — across DIFC, ADGM and the wider UAE. Inspection-ready compliance, always.
Regulated firms need specific officer roles filled, training maintained, reports submitted and audits conducted — across multiple regulators with different rule sets. We handle every one of those, on an outsourced or co-sourced basis.
We hold deep expertise across all major UAE financial-sector regulators — and the broad DNFBP space governed by the Ministry of Economy.
Whether you're a DFSA Cat 4 advisory firm, an FSRA Cat 3C asset manager, an SCA-licensed broker, or a DNFBP gold dealer — we've done the work before.
UAE compliance obligations are layered. Federal AML obligations apply across all UAE entities through Federal Decree-Law No. 20 of 2018 on Anti-Money Laundering, supplemented by Cabinet Resolution No. 10 of 2019. Sector-specific rules apply on top — DFSA, FSRA, SCA and CBUAE for financial services; the Ministry of Economy for Designated Non-Financial Businesses and Professions (DNFBPs).
The Ministry of Economy regulates DNFBPs — real estate agents, gold and precious metals dealers, accountants and auditors, lawyers, and corporate service providers. DNFBPs must register on the goAML platform, conduct customer due diligence (CDD), report suspicious transactions (STRs), and undergo periodic supervision. Penalties for non-compliance range from AED 50,000 to AED 5,000,000 per offence.
Financial services firms regulated by DFSA (DIFC), FSRA (ADGM), SCA (federal) and CBUAE face additional compliance obligations beyond AML — conduct of business rules, prudential rules, market integrity rules, data protection rules and (for some) cybersecurity rules. Each regulator has its own rulebook running to thousands of pages.
We start with a structured health check against your regulator's rulebook — DFSA, FSRA, SCA, CBUAE or DNFBP framework. Output: gap analysis with risk-rated findings.
Compliance policies, AML manual, CDD procedures, STR escalation, sanctions screening framework, training programme — all tailored to your risk profile and rulebook.
Roll out the programme. Train your team. Set up transaction monitoring, sanctions screening and recordkeeping. Conduct first round of testing.
Day-to-day compliance via our outsourced MLRO, Compliance Officer, Finance Officer or Risk Officer services — or a combination.