UAE AML/CFT Compliance Certification
AML/CFT compliance covers the anti-money laundering and counter-terrorist financing duties UAE regulators place on licensed businesses and designated non-financial professions. This five to seven week Millennium Academy certification covers customer due diligence, risk assessment, suspicious transaction reporting through goAML, and the compliance officer role.
Build the anti-money laundering and counter-terrorist financing expertise UAE regulators now expect — from customer due diligence to suspicious transaction reporting — and step into one of the country's fastest-growing compliance roles.
What's included
- Built around Federal Decree-Law No. 10 of 2025 and Cabinet Resolution No. 134 of 2025
- Covers both financial institution and DNFBP obligations
- Practical CDD, EDD and goAML suspicious-transaction-report workshops
- Free demo session before you commit
- On-campus in the UAE or live online
Is this course right for you?
This programme is built for professionals who recognise themselves below.
Compliance officers and MLRO-track professionals at banks, exchange houses and financial institutions.
Staff at Designated Non-Financial Businesses and Professions (DNFBPs) — real estate, precious metals, legal and accounting firms — with AML obligations.
Auditors and finance professionals who want to add AML advisory to their service line as UAE enforcement intensifies.
Professionals targeting Compliance Officer, AML Analyst and MLRO roles across banking, real estate and corporate services.
Why earn AML Compliance Officer?
One of the UAE's fastest-growing compliance functions
Since the UAE's exit from the FATF grey list, regulators have sharply increased AML enforcement and scrutiny across banks, DNFBPs and free-zone entities.
Protects the business from severe penalties
AML violations carry some of the heaviest fines and licence-suspension risk of any UAE regulatory area — trained staff are the first line of defence.
Covers both financial and non-financial obligations
You learn the distinct requirements for regulated financial institutions and for DNFBPs like real estate brokers, dealers in precious metals, and legal and accounting firms.
Practical investigative skill
Beyond policy, you learn how to actually spot red flags, conduct enhanced due diligence and file a suspicious transaction report correctly.
A direct path to MLRO-track seniority
AML expertise is a recognised route into Money Laundering Reporting Officer and senior compliance roles, some of the best-compensated functions in UAE finance.
Future-proof, cross-sector relevance
AML obligations touch banking, real estate, precious metals, legal services and more — this expertise travels across industries, not just one employer.
Full curriculum
We show the complete syllabus up front — nothing hidden behind a form.
Module 1 — AML/CFT Framework
- Overview of Federal Decree-Law No. 10 of 2025 and Cabinet Resolution No. 134 of 2025
- The UAE's National AML/CFT strategy and FATF context
- Regulated financial institutions vs. DNFBP obligations
- Risk-based approach: institutional and business risk assessments
Module 2 — Customer Due Diligence & Monitoring
- Customer Due Diligence (CDD) and Enhanced Due Diligence (EDD)
- Politically Exposed Persons (PEPs) and sanctions screening
- Beneficial ownership identification and its link to UBO compliance
- Ongoing monitoring and transaction pattern red flags
Module 3 — Reporting & Governance
- Filing Suspicious Transaction/Activity Reports (STRs/SARs) via goAML
- The role of the Compliance Officer and MLRO
- Record-keeping, staff training and internal policy design
- Penalties, enforcement trends and audit readiness
How you get certified
This is a practitioner certification in AML/CFT compliance procedure. Institutions appointing a formal Compliance Officer or MLRO should confirm any additional regulator-specific registration requirements for their sector.
- Case-based assignments plus a final assessment
- Practical CDD, red-flag and STR-filing scenarios
- Millennium Academy Professional Certificate in UAE AML/CFT Compliance
- Aligned with Federal Decree-Law No. 10 of 2025 and current guidance
- On-campus in the UAE or live online
- Recognised by UAE employers as evidence of AML/CFT competency
What you'll be able to do
- Conduct Customer Due Diligence and Enhanced Due Diligence to UAE regulatory standard
- Identify red flags and suspicious activity across financial and DNFBP contexts
- File Suspicious Transaction Reports correctly via goAML
- Design and defend an AML compliance programme, ready for regulator review
Focused investment against serious penalty risk
Given the scale of AML enforcement risk, this certification is one of the highest-value additions a compliance professional can make. We share exact pricing and instalment options on your free consultation call.
AML Compliance Officer — your questions answered
No. Banks and financial institutions have the most established AML functions, but DNFBPs carry the same core obligations. DNFBPs include real estate brokers, dealers in precious metals and stones, lawyers, notaries, accountants, auditors and corporate service providers. They must register on the UAE FIU's goAML platform, appoint a compliance officer, carry out customer due diligence, keep records for five years and report suspicious transactions, with no minimum amount. The course covers both tracks.
No course alone does. In the UAE, the Compliance Officer or MLRO is an appointment made by your employer. For many firms, the appointment must also be registered with or approved by their supervisor, such as the Central Bank for licensed financial institutions or through goAML for DNFBPs. Supervisors look for relevant experience, a sound understanding of the law and fitness and propriety. This certification covers the knowledge part, and our consultation call covers what your sector's supervisor typically expects on top of it.
AML/CFT compliance is about detecting, preventing and reporting money laundering, terrorist financing and proliferation financing. UBO compliance is about identifying beneficial owners and disclosing them to your licensing authority. They overlap, because identifying beneficial owners is part of customer due diligence, but they're separate legal obligations. Many compliance professionals take both.
The UAE was removed from the FATF grey list in February 2024, and the legal framework has since been replaced. Federal Decree-Law No. 10 of 2025 took effect on 14 October 2025, replacing Federal Decree-Law No. 20 of 2018. Its executive regulations, Cabinet Resolution No. 134 of 2025, replaced Cabinet Decision No. 10 of 2019 from 14 December 2025. The new regime adds proliferation financing, widens supervisory powers and raises administrative fines to as much as AED 5 million per violation. The course is taught on the current law and updated as the Central Bank, Ministry of Economy and FIU issue guidance.
Most professionals complete it in 5 to 7 weeks studying part-time, with more than 40 training hours. It ends with case-based assignments and a final assessment built on real CDD, red-flag and STR-filing scenarios.
Yes. We offer instalment options, explained in full on your free consultation call. If your employer is funding several staff, ask about in-house delivery for the whole team.
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