COVERAGE
Compliance Solutions for The UAE
Providing reliable compliance tools for the UAE. Built for local laws, languages, and regulations to keep your operations smooth and secure.
Trusted by 1,700+ clients globally
Who are the regulators in the UAE?
Central Bank of the UAE (CBUAE)
Central Bank of the UAE supervises AML/CFT across licensed financial institutions, formulates policy, enforces penalties, and builds regulatory capacity through guidance and inspections.
Financial Intelligence Unit (FIU)
The Financial Intelligence Unit analyzes suspicious transaction reports, operates the goAML reporting platform, and shares intelligence domestically and internationally to combat financial crime.
NAMLCFTC
NAMLCFTC coordinates national AML/CFT strategy, aligns UAE policy with FATF standards, and unites agencies for risk assessments, policy development, and stakeholder engagement.
Ministry of Economy (MoE)
The Ministry of Economy regulates DNFBPs—real estate, precious metals, auditors, legal professionals—conducting inspections, risk assessments, and training to enforce AML/CFT compliance.
Dubai Financial Services Authority (DFSA)
The Dubai Financial Services Authority enforces AML/CFT standards within the DIFC through risk-based supervision, audits, compliance reviews, and regular regulatory oversight.
Abu Dhabi Global Market (ADGM)
Abu Dhabi Global Market supervises financial entities with risk-based AML/CFT controls, provides training, and consistently enforces compliance across its jurisdiction.
Common operational challenges in compliance processes
Financial Institutions (FIs)
Who are classified as FIs?
Banks
Payment Services
Insurance Providers
Securities and Commodities Brokers
Investment Managers
Money Exchanges
Virtual asset service providers (VASPs)
What is required from FIs?
- Customer Identification
- Profiles
- Customer Acceptance
- Risk Rating
- Monitoring
- Investigation and Reporting
- Documentation
- Real time, Onboarding and Ongoing Screening against Sanctions lists, PEP lists , Adverse media list
intermediaries on the following transactions:
- In favour of a customer for amounts equal to or greater than AED 55,000 (or equivalent in any other currency).
- Wire transfer equal to or exceeding AED 3500 (or equivalent in any other currency).
- When there is ML/TF suspicion.
- When there are doubts about veracity or adequacy of identification.
Designated Non-financial Businesses and Professions (DNFBPs)
Who are classified as DNFBPs?
Auditors and Accountants
Lawyers, notaries and other legal professionals and practitioners
Real estate agents and brokers
Dealers in precious metals and precious stones (DPMS)
Providers of corporate services and trusts
What is required from DNFBPs?
- Precious metals and precious stones dealers who carry out single or multiple covered transactions that equal AED 55,000
- Screening against Sanctions lists, PEP lists, Adverse Media
- Verify and identify true beneficial owner and corroborating legitimacy of source of funds
- Undertake risk based CDD measures when there is a suspicion of a crime
- Undertake risk based CDD measures when there are doubts about veracity or adequacy of identification
- Ongoing monitoring and Supervision of business relationship
- MVTS / NPO is properly licensed or registered
- Identify and report suspicious transactions to Finance Intelligence Unit (FIU)
- Record keeping and maintenance of client data and transactions
Bureau Integrations:
Elevating Identity Verification with UAE Pass Integration
The integration of UAE Pass with Idenfo marks a game-changing leap forward for identity verification in the UAE. Together, they empower businesses to onboard customers faster, strengthen compliance, and eliminate the risks of fraud and money laundering, all while delivering a seamless user experience.
By cutting through administrative complexity and creating a secure, trusted environment, this integration drives operational efficiency, boosts customer confidence, and keeps businesses fully aligned with today’s demanding regulatory standards.
How does this integration benefit you
Faster Onboarding
UAE Pass enables instant identity verification, cutting manual checks and signup time.
Stronger Compliance
Combines UAE Pass security with Idenfo’s AML tools to reduce fraud risk.
Greater Efficiency
Minimises paperwork, boosts customer satisfaction, and lowers operational costs.
Supported ID documents from the UAE
Emirates ID (National ID)
Idenfo can verifiy the Emirates ID, the national identity card issued by the Federal Authority for Identity, Citizenship, Customs and Port Security, ensuring precise data matching and full compliance with UAE regulatory requirements.
Document Verification
- Evaluates document quality by checking for glare or blur.
- Identifies any signs of tampering or forgery within the document.
- Confirms the authenticity of hologram prints.
- Extracts key data using optical character recognition (OCR).
NFC Scanning
- Reads data from the identity card's NFC chip.
- Verifies the NFC chip data for integrity and authenticity.
Emirati Passport
Idenfo verifies Emirati passports issued by the Ministry of Interior, General Directorate of Residency and Foreigners Affairs (GDRFA), confirming the holder’s name, date of birth, and contact details as part of Enhanced Due Diligence for KYC in the UAE.
Document Verification
- Evaluates document quality by detecting glare or blur.
- Identifies potential tampering or forgery.
- Verifies the document’s format for accuracy.
- Cross-checks data against the MRZ code and hologram.
NFC Scanning
- Reads data from the passport's NFC chip.
- Verifies the NFC chip data for integrity and authenticity.
How it works
Document Capture
Scan and extract key identity details from official documents.
Liveness Check
Ensure the person is real and matches their verified ID photo.
Data Verification
Cross-check personal details against trusted government sources.
Risk Screening
Assess AML and sanctions risks before onboarding customers.
User Authentication
Simplify returning logins with secure biometric authentication.