Compliance Services
Stay Compliant. Stay Ready.
AML, UBO & Regulatory Compliance Services in Dubai, UA
UAE compliance requirements continue to evolve. Outdated policies, incomplete UBO records and weak AML controls can leave businesses exposed to regulatory action, operational disruption and unnecessary risk.
SA Consultants provides practical AML, UBO and regulatory compliance services for businesses across the UAE. From AML risk assessments and policy development to UBO filings, goAML support and historical ESR matters, we help businesses understand their obligations, close compliance gaps and maintain the right documentation.
UAE Compliance Services Built Around Your Business
Compliance is not just about completing a form or keeping a policy on file. Your compliance framework should reflect your business activities, ownership structure, customers, risks and regulatory obligations. Our services cover the key areas businesses need to manage across the UAE.
AML / CFT / CPF Compliance
Build and maintain a practical AML compliance framework aligned with the current UAE requirements.
- Compliance Officer support
- AML gap assessments
- Inspection readiness
- Remediation support
- AML/CFT/CPF risk assessments
- AML policy & procedure development
- KYC and customer due diligence
- Beneficial ownership procedures
- AML compliance reviews
- Staff and management training
- Enhanced due diligence
- Customer risk profiling
- Sanctions screening
goAML Registration & Reporting Support
Businesses subject to UAE AML requirements need appropriate registration, reporting processes and supporting controls.
- goAML registration
- goAML profile review
- Suspicious Transaction Report workflows
- Suspicious Activity Report support
- Reporting procedures
- Internal escalation processes
- Compliance documentation
- Reporting readiness
We help ensure your reporting process is properly structured and supported by the right internal controls.
UBO Compliance & Beneficial Ownership
Beneficial ownership information must remain accurate and up to date. Under Cabinet Decision No. 109 of 2023, businesses within scope are required to maintain beneficial ownership information and update the relevant records when ownership or control changes.
- UBO identification
- Ownership structure review
- Nominee arrangement review
- Historical UBO remediation
- Initial UBO filing
- Change notification support
- UBO record updates
- Beneficial Owner Register preparation
- Partners and shareholders register
- Pre-renewal UBO review
AML Compliance for UAE DNFBPs
AML obligations depend on what your business does and which authority supervises it.
- Real estate brokers and agents
- Dealers in precious metals and stones
- Trust and company service providers
- Lawyers and notaries
- Auditors and independent accountants
- Commercial gaming operators
SA Consultants helps regulated businesses establish practical controls covering risk assessment, customer due diligence, sanctions screening, reporting, documentation and staff awareness.
Know Your AML Supervisor
Different businesses fall under different supervisory authorities.
| Business / Sector | Relevant Supervisor |
|---|---|
| Banks and other financial institutions | Central Bank of the UAE |
| Accountants, auditors, TCSPs, real estate and precious metals businesses | Ministry of Economy and Tourism |
| Lawyers and notaries | Ministry of Justice |
| Commercial gaming operators | GCGRA |
| DIFC-regulated businesses | DFSA |
| ADGM-regulated businesses | Relevant ADGM authority |
Understanding the correct supervisory framework is an important first step in building the right compliance programme.
Economic Substance Regulations
The UAE discontinued Economic Substance Notification and Report requirements for financial years ending after 31 December 2022, following Cabinet Decision No. 98 of 2024.
Therefore, businesses do not have new ESR reporting requirements for FY2023 onwards. However, historical ESR matters may still require attention.
- Historical ESR Notifications
- Historical ESR Reports
- Previous-period compliance gaps
- FTA information or amendment requests
- Historical documentation
- ESR-related penalty matters
The end of ESR reporting does not remove all substance-related considerations.
Free zone businesses seeking Qualifying Free Zone Person treatment under the UAE Corporate Tax framework must continue to consider the applicable substance requirements. SA Consultants can review your free zone position and identify areas requiring attention.
Compliance Reviews & Gap Assessments
A compliance review gives your business a clear view of where it stands. We assess your existing framework against the requirements relevant to your business and identify:
Missing controls
What needs to be added.
Outdated documentation
What needs to be reviewed or replaced.
Compliance gaps
Where your current processes may fall short.
Documentation weaknesses
What may need to be strengthened before an inspection or review.
Remediation priorities
What should be addressed first.
You receive a practical action plan rather than a generic checklist.
Regulatory Compliance Support
A policy alone does not create an effective compliance framework. Your team needs to understand the procedures. Your records need to support your decisions. Your controls need to work in practice.
- Policy development
- Risk assessment
- Compliance procedures
- Internal controls
- Staff training
- Register maintenance
- Reporting workflows
- Compliance monitoring
- Periodic reviews
- Remediation support
- Inspection preparation
Assess
Build
Implement
Review
Why Businesses Choose SA Consultants
Practical UAE Expertise
We focus on the regulatory requirements that apply to businesses operating in the UAE.
Business-Specific Compliance
Your compliance framework is developed around your business activities, ownership structure and risk profile.
Clear Documentation
We help create policies, registers and supporting records that are organised and easier to maintain.
Ongoing Support
Compliance does not end after registration or filing. We can support your business as requirements and circumstances change.
One Advisory Partner
From AML and UBO to related accounting, tax and business compliance requirements, our wider advisory expertise allows you to manage multiple business needs through one professional partner.
Is Your Compliance Framework Ready?
Whether you need a new AML framework, UBO support, goAML registration or a review of existing compliance documentation, we can help you identify what needs attention.
Get clarity on your obligations. Close the gaps. Stay prepared.