Anti-Money Laundering Policy + Templates

The 106-page AML Policy + Templates is an FCA-aligned guide designed to prevent money laundering and terrorist financing in the financial services sector. Built on POCA, MLR 2017, FCA SYSC, and 2025 updates, it establishes a robust framework to detect and report financial crime, reducing risk exposure.

It details customer due diligence, transaction monitoring, and suspicious activity reporting, with customisable templates like KYC forms and training quizzes. Supporting SMCR accountability, FCA audits, and sanctions compliance, it ensures operational integrity and regulatory adherence.

Includes:

• Role of the Board and Senior Management

• Responsibilities of the Money Laundering Reporting Officer (MLRO)

• AML/CFT Governance Structure

• Oversight and Accountability

• AML Policies and Procedures

• Importance of a Risk-Based Approach

• Conducting a Company-Wide Risk Assessment

• Client Risk Assessment and Due Diligence

• Customer Due Diligence (CDD)

• EDD for High-Risk Customers

• Simplified Due Diligence (SDD)

• Suspicious Activity Reporting

• Transaction Monitoring

• Record Keeping and Documentation

• Staff Training and Awareness

• Internal Controls and Auditing

• Annual MLRO Report to the Board

• Reporting to the FCA and Other Regulators

• Penalties for Non-Compliance

• AML Considerations in Mergers and Acquisitions

• Handling High-Risk Clients and Politically Exposed Persons (PEPs)

• Cross-Border Transactions and International Clients

• Use of Third-Party Providers and Outsourcing Risks

• Anti-Bribery and Corruption Integration

• Fraud Prevention and Detection

• UK, EU, and OFAC Sanctions Regimes

• Handling Sanctions Matches and False Positives

• Emerging Risks and Regulatory Changes

• Sample Policies and Procedures

• Company-Wide AML Risk Assessment Template

• Customer Risk Assessment Template

• Product & Service Risk Assessment Template

• Jurisdictional Risk Assessment Template

• Suspicious Activity Report (SAR) Template

• Annual MLRO Report Template

• Internal Fraud Investigation Report Template

• High-Risk Customer Review Report Template

• AML Training Program Structure

• Training Presentation Slides

• Knowledge Check – AML Quiz

• UK Regulatory Bodies and Authorities

• International AML Guidelines and Standards

• Industry Guidance and Best Practices

• Sanctions and Watchlist Screening Tools

• AML Training and Certification Programs