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CBUAE AML CFT Guidance 2026: New Requirements for UAE Banks

On 16 April 2026, the Central Bank of the UAE (CBUAE) released an updated package of AML/CFT/CPF guidance for licensed financial institutions across the country. The CBUAE AML CFT guidance 2026 covers six documents — four supervisory guidelines and two best practice manuals — addressing proliferation financing risk assessment, trade-based money laundering (TBML), correspondent banking […]

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Adverse media screening within a UAE AML compliance programme

AML/CFT Compliance in the UAE: The Complete Guide for 2026

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AML/CFT Compliance in the UAE: The Complete Guide for 2026 The UAE’s anti-money laundering and counter-terrorist financing (AML/CFT) regime has undergone its most significant transformation in years. With Federal Decree-Law No. 10 of 2025 replacing the previous framework, Cabinet Decision No. 134 of 2025 introducing updated implementing regulations, and the 2026 FATF mutual evaluation placing

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AML Requirements: Mainland vs DIFC vs ADGM

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Differences Between AML Requirements in Mainland, DIFC, and ADGM Businesses operating across multiple UAE jurisdictions face different regulatory requirements depending on whether they are based in the mainland, DIFC, or ADGM. While all three jurisdictions share the overarching Federal AML framework under Federal Decree-Law No. 10 of 2025 on Anti-Money Laundering, Combating Financing of Terrorism

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Central Bank of UAE inspecting insurance policies for AML compliance

AML Compliance for UAE Insurance Companies

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AML Compliance for Insurance Companies and Brokers in the UAE Insurance companies and brokers in the UAE are subject to AML/CFT regulations under the supervision of the Central Bank of the UAE (CBUAE). Despite this, many insurance businesses underestimate their money laundering exposure — particularly those offering investment-linked and single premium products that can serve

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Build an AML Compliance Programme in UAE

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How to Build an Effective AML/CFT Compliance Programme from Scratch Building an AML/CFT compliance programme may seem overwhelming, especially for businesses new to regulatory requirements. However, with a structured approach informed by the risk-based approach required under Federal Decree-Law No. 10 of 2025 on Anti-Money Laundering, Combating Financing of Terrorism and Proliferation Financing (which replaced

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Compliance officer conducting ongoing monitoring and periodic KYC review for a UAE business

AML Training Requirements for UAE Employees

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AML Training Requirements for UAE Employees: What You Need to Know AML/CFT training is a mandatory compliance requirement for all regulated entities in the UAE. Untrained staff represent one of the biggest vulnerabilities in any compliance programme — they cannot identify suspicious activity they have not been taught to recognise. This guide covers who needs

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Tokenised real estate AML compliance in the UAE, property and digital asset transfer

Money Laundering Through Real Estate in UAE

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Money Laundering Through Real Estate: Risks and Prevention in the UAE The UAE real estate market, one of the most dynamic in the world, is also one of the sectors most vulnerable to money laundering. The UAE National Risk Assessment identifies real estate as a primary channel for laundering illicit funds derived from predicate offences

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AML Compliance for Corporate Service Providers

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AML Compliance for Corporate Service Providers in Dubai Corporate Service Providers (CSPs) in Dubai are classified as DNFBPs under UAE AML law and face heightened regulatory scrutiny. CSPs assist with company formation, registered agent services, and corporate administration — activities that can be exploited by those seeking to create opaque corporate structures for illicit purposes.

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AML Red Flags for Real Estate in the UAE

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AML Red Flags for Real Estate Transactions in the UAE Real estate is one of the highest-risk sectors for money laundering in the UAE. The country’s National Risk Assessment identifies property transactions as a primary channel for laundering illicit funds — particularly through placement of cash into high-value assets, layering via rapid resale, and integration

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FATF Mutual Evaluation 2026: UAE Guide

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FATF Mutual Evaluation 2026: What UAE Businesses Should Expect The UAE is expected to undergo a FATF onsite mutual evaluation in mid-2026. This assessment will examine whether the country’s AML/CFT framework — established under Federal Decree-Law No. 10 of 2025 on Anti-Money Laundering, Combating Financing of Terrorism and Proliferation Financing (which replaced Federal Decree-Law No.

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