AML Consulting Services.
Clarity, control and regulatory confidence, worldwide.AML consulting services are advisory and hands-on support that help regulated businesses build, run and defend their anti-money laundering programme, across risk assessment, governance, onboarding, monitoring, screening, training and regulatory reporting.
Niyeahma delivers AML consulting services designed for regulated businesses that need clarity, control and regulatory confidence. We support organisations worldwide with AML compliance services that go beyond documentation, building effective anti-money laundering frameworks that operate seamlessly across the whole compliance lifecycle.
As a global AML consulting firm, we help businesses stay compliant with evolving AML, CFT and CPF regulations while managing financial crime risk in a practical, defensible way. Whether you are setting up a framework from scratch, strengthening an existing programme or responding to regulatory findings, we provide integrated, tailored anti-money laundering consulting services that fit your regulatory environment and business model.
Money laundering controls are no longer a paperwork exercise. Supervisors expect a living programme, a current risk assessment, controls that match it, people who run them, and evidence that the whole thing actually works. Our role is to help you build and run exactly that, proportionate to your business and defensible to your regulator.
Why Regulated Businesses Need AML Consulting Services.
AML compliance has moved from a box-ticking exercise to a core business risk. Rules change constantly, enforcement is rising, and supervisors now test whether your programme works in practice, not just whether the documents exist. For most regulated businesses, keeping pace in-house is hard: the expertise is specialised, the stakes are high, and the cost of getting it wrong is severe. Expert consulting closes that gap:
Regulations evolve fast
AML, CFT and CPF rules, and the expectations behind them, change constantly across every market.
Enforcement is rising
Supervisors are more active, and penalties for weak or late compliance are heavy.
Programmes are tested in practice
It is no longer enough to hold policies; you must show the framework operates and is governed.
Expertise is scarce and expensive
Specialist AML knowledge is hard to build, resource and retain in-house.
The cost of failure is high
Fines, remediation orders, lost banking relationships and reputational damage.
Good AML consulting service turns compliance from a recurring risk into a defensible, well-run part of the business.
End-to-End AML Compliance Services.
Our AML compliance services are structured to support the entire compliance lifecycle, from the first risk assessment through to ongoing programme management. Each AML consulting service works on its own, and they connect into a single, coherent framework where risk, controls, people and reporting all tell the same story:
Assess
Understand your ML, TF and PF risk and where your controls need to be.
Build
Turn that risk picture into policies, procedures and controls that hold up.
Staff & train
Put the right people, roles and training in place to run it.
Operate
Handle onboarding, due diligence, screening and monitoring day to day.
Report
File suspicious and regulatory reports accurately and on time.
Assure
Test the whole programme independently and fix gaps before a regulator finds them.
Our AML Consulting Services.
A complete set of AML, CFT and CPF services. Use one, or combine them into an end-to-end programme:
AML/CFT Policy, Procedures & Control Documentation
Custom AML/CFT policies, procedures and controls, built to your risk and your regulator.
Learn more →In-House AML Compliance Department Setup
Design, build and staff a regulator-ready in-house AML function that scales with you.
Learn more →Annual ML/TF/PF Risk Assessment Report
A defensible, board-ready enterprise-wide ML, TF and PF risk assessment.
Learn more →AML Training
Role-based AML training for staff, MLROs and boards, with records to evidence it.
Learn more →AML/CFT Health Check
An independent review of your whole programme, so you find gaps before a regulator does.
Learn more →Business Risk Assessment
A structured assessment of the financial-crime risk across your business and its lines.
Learn more →AML Screening Software Testing & Validation
Independent, vendor-neutral testing that proves your screening and monitoring work.
Learn more →Regulatory Reporting
Accurate, on-time SAR, STR and regulatory filings that stand up to scrutiny.
Learn more →KYC & CDD Managed Services
Outsourced customer due diligence that runs as an extension of your team.
Learn more →Who Needs AML Consulting Services.
AML obligations reach across the regulated economy, and the need for expert support is highest at moments of change or pressure. Businesses typically come to us when:
You are applying for a licence: the regulator expects a credible AML framework and a named compliance officer before approval.
You are scaling or entering new markets: ad-hoc compliance can no longer keep up with rising volumes and complexity.
An inspection or audit has surfaced gaps: findings need closing, quickly and defensibly, before they escalate.
You are building from scratch: you want the framework done right the first time, not retrofitted later.
Your compliance is fragmented: controls are spread across tools, people or providers, with no single owner or standard.
You have a key-person gap: a compliance officer has left, or one person is stretched across too many roles with no cover.
You are launching a new product, channel or entity: your risk profile has changed and your controls need to catch up.
You want independent assurance: you need to know your existing programme would stand up to scrutiny.
We work with organisations that carry AML obligations, whether you are building your first framework or running a mature, multi-market programme:
Financial institutions
Banks, e-money, payment and investment firms with ongoing AML obligations.
DNFBPs
Real estate, dealers in precious metals and stones, lawyers, accountants and corporate service providers.
VASPs
Virtual asset service providers and crypto businesses coming into scope.
Fintechs
High-growth fintechs building compliant onboarding at speed.
Regulated intermediaries
Brokers, agents and other intermediaries with reporting duties.
Multi-market groups
Businesses operating across several jurisdictions at once.
What Our AML Advisory Services Deliver.
The point of AML consulting is not more paperwork. It is a programme you can operate, defend and scale. Our work is designed to give you:
A clear view of your ML, TF and PF risk, and exactly what your controls need to do.
Consistent, well-governed processes instead of ad-hoc, person-dependent decisions.
Evidence that your programme meets your supervisor's expectations.
Documented decisions and an audit trail that stands up at inspection.
Compliance that protects the business without slowing onboarding or growth.
A programme that adapts as your business, products and the regulations change.
Why Choose Niyeahma as Your AML Consultant.
We believe in generating real, measurable value for our clients, not billable hours. That belief shows up in who we are, and in how we work:
IValue-first and research-led
We start by understanding where you actually need support, then commit to services that benefit your operations, not a templated scope.
IIThe right blend of professionals
ACAMS certified Compliance professionals, regulatory heads, policymakers, business analysts and industry advisors, whose expertise is the backbone of our advice.
IIICross-sector experience
Combined experience across most industry sectors, so our advice is grounded in how your industry actually works.
IVWe hand-hold the journey
We help define the deliverables, plan the timeline and manage the engagement through to outcomes.
VWe keep you current
We stay on top of changing laws, guidelines and deadlines, so you stay compliant as the rules move.
VIOne connected ecosystem
Every service links to the next, so your risk, controls, people and reporting stay consistent.
How Our AML Consulting Engagement Works.
A clear, consultative approach from first conversation to lasting compliance.
Understand
We take a research-based approach to understand your business, your risk and the areas where you genuinely need support.
Propose
You tell us the services you need or the pain points you have, and we set out our scope, inclusions, exclusions and rates in a clear proposal. We do not use fixed pricing: you pay for what you need.
Deliver
We define the deliverables, plan the timeline and manage the engagement, hand-holding you through to the outcome.
Keep you current
We stay abreast of changing laws, guidelines and deadlines, and keep your programme compliant as regulations evolve.
AML Compliance Challenges We Help You Solve.
Most of the compliance problems we are asked to fix fall into a familiar set. We help businesses resolve, and design out, every one:
Fragmented compliance: controls spread across tools, teams and providers with no single owner or consistent standard.
Stale frameworks: policies and risk assessments that no longer reflect your products, customers or markets.
Under-resourcing: a function too small or too junior for the risk it is asked to carry.
A looming or failed inspection: gaps that need closing before, or after, a regulator finds them.
Key-person risk: the whole function resting on one stretched individual, with no cover or succession.
Inconsistent decisions: similar cases handled differently, with no defensible rationale or audit trail.
Paper compliance: a framework that looks strong on paper but does not match what the business actually does.
Whatever the challenge, there is a service to match it, from risk assessment and policy documentation to in-house setup, an independent health check and managed KYC.
AML Consulting Services Across Key Jurisdictions.
Global precision, not global generalism. We deliver AML consulting services aligned to the legislation, regulations and supervisory expectations that actually govern your business. For each jurisdiction below we set out the governing law, the entities in scope, the supervisory authorities you answer to, how Niyeahma helps, and the full catalogue of services we provide there.
Federal Decree-Law No. 10 of 2025 on Combating Money Laundering, the Financing of Terrorism and the Financing of Proliferation, in force 14 October 2025, replacing Federal Decree-Law No. 20 of 2018, with Cabinet Resolution No. 134 of 2025 (Executive Regulations, effective 14 December 2025), Cabinet Decision No. 74 of 2020 on targeted financial sanctions, and the free-zone rulebooks of the ADGM (FSRA) and DIFC (DFSA). The 2025 regime expressly covers proliferation financing and tax evasion as predicate offences, brings virtual assets and VASPs into scope, expands the DNFBP definition to commercial-gaming operators, introduces an objective knowledge test, and requires 10-year record-keeping and stricter beneficial-ownership verification.
Financial institutions; DNFBPs including real estate, dealers in precious metals and stones, auditors and accountants, legal professionals, corporate and trust service providers and commercial-gaming operators; virtual asset service providers; and non-profit organisations.
CBUAE for financial institutions, the Ministry of Economy for most DNFBPs, the Ministry of Justice for the legal profession, the Capital Market Authority, VARA for Dubai virtual assets, and the ADGM RA, ADGM FSRA and DIFC DFSA in the financial free zones, with the UAE FIU receiving reports through goAML.
We deliver our full AML consulting services aligned to FDL No. 10 of 2025 and Cabinet Resolution No. 134 of 2025, covering the new proliferation and tax-evasion offences, VASP and gaming scope, the objective-knowledge standard, 10-year retention and beneficial-ownership rules, mapped to your specific supervisor.
AML/CFT Policy & Documentation·In-House Department Setup·Risk Assessment Report·AML Training·AML/CFT Health Check·Business Risk Assessment·Screening Testing & Validation·Regulatory Reporting·KYC & CDD Managed Services
The Money Laundering, Terrorist Financing and Transfer of Funds (Information on the Payer) Regulations 2017 (MLRs 2017), together with the Proceeds of Crime Act 2002 and the Terrorism Act 2000, and FCA Handbook and JMLSG guidance.
Credit and financial institutions, and DNFBPs including accountants, auditors, tax advisers, legal professionals, estate and letting agents, trust and company service providers, high-value dealers and crypto-asset businesses.
The FCA, HMRC and the professional body supervisors, with suspicious activity reports going to the National Crime Agency.
We deliver our full AML consulting services to the MLRs 2017 and POCA regime, aligned to FCA or HMRC expectations.
AML/CFT Policy & Documentation·In-House Department Setup·Risk Assessment Report·AML Training·AML/CFT Health Check·Business Risk Assessment·Screening Testing & Validation·Regulatory Reporting·KYC & CDD Managed Services
The Anti-Money Laundering and Counter-Terrorism Financing Act 2006, as amended by the AML/CTF Amendment Act 2024 and the AML/CTF Rules 2025, which extend the regime to real estate, legal, accounting and precious-metals professions.
Reporting entities in financial services, remittance, bullion and gambling, and, under the Tranche 2 reforms, real estate professionals, lawyers, conveyancers, accountants and dealers in precious metals and stones.
AUSTRAC, which is both the regulator and the financial intelligence unit.
We deliver our full AML consulting services to the amended AML/CTF regime and AUSTRAC expectations, including readiness for the Tranche 2 reforms.
AML/CFT Policy & Documentation·In-House Department Setup·Risk Assessment Report·AML Training·AML/CFT Health Check·Business Risk Assessment·Screening Testing & Validation·Regulatory Reporting·KYC & CDD Managed Services
The Corruption, Drug Trafficking and Other Serious Crimes (Confiscation of Benefits) Act (CDSA) and the Terrorism (Suppression of Financing) Act, with the MAS AML/CFT Notices such as Notice 626 and their accompanying guidelines.
MAS-regulated financial institutions, including banks, capital markets intermediaries, payment service providers and insurers.
The Monetary Authority of Singapore, with suspicious transaction reports filed to the Suspicious Transaction Reporting Office.
We deliver our full AML consulting services to the relevant MAS notices and inspection expectations.
AML/CFT Policy & Documentation·In-House Department Setup·Risk Assessment Report·AML Training·AML/CFT Health Check·Business Risk Assessment·Screening Testing & Validation·Regulatory Reporting·KYC & CDD Managed Services
The Prevention of Money Laundering Act 2002 (PMLA) and the PML (Maintenance of Records) Rules 2005, together with the RBI KYC Master Direction and SEBI, IRDAI and IFSCA AML and KYC guidelines by sector.
Banks and financial institutions, market intermediaries, insurers, IFSC entities and other reporting entities under the PMLA.
RBI, SEBI, IRDAI and IFSCA by sector, with reports filed to FIU-IND and enforcement by the Enforcement Directorate.
We deliver our full AML consulting services to your sector regulator's requirements and the PMLA framework.
AML/CFT Policy & Documentation·In-House Department Setup·Risk Assessment Report·AML Training·AML/CFT Health Check·Business Risk Assessment·Screening Testing & Validation·Regulatory Reporting·KYC & CDD Managed Services
The Anti-Money Laundering Law and its Implementing Regulations, together with the Law on Combating Terrorism Crimes and its Financing, and SAMA and CMA AML/CTF rules and guidance.
Banks and financial institutions supervised by SAMA, capital-market institutions supervised by the CMA, and DNFBPs.
SAMA for financial institutions and the CMA for capital-market entities, with reports filed to the Saudi Arabia Financial Intelligence Unit.
We deliver our full AML consulting services to the Saudi AML Law, its Implementing Regulations and SAMA expectations.
AML/CFT Policy & Documentation·In-House Department Setup·Risk Assessment Report·AML Training·AML/CFT Health Check·Business Risk Assessment·Screening Testing & Validation·Regulatory Reporting·KYC & CDD Managed Services
The Anti-Money Laundering and Counter-Terrorist Financing Ordinance (AMLO, Cap. 615), together with the OSCO, DTROP and UNATMO reporting regime and the HKMA, SFC and Insurance Authority guidelines.
Authorised institutions, licensed corporations, insurers, and designated non-financial businesses and professions.
The HKMA, SFC, Insurance Authority and Customs and Excise Department by sector, with reports filed to the Joint Financial Intelligence Unit.
We deliver our full AML consulting services to the AMLO and the relevant regulator's guideline.
AML/CFT Policy & Documentation·In-House Department Setup·Risk Assessment Report·AML Training·AML/CFT Health Check·Business Risk Assessment·Screening Testing & Validation·Regulatory Reporting·KYC & CDD Managed Services
Operating somewhere else? Beyond the jurisdictions above, we deliver the same catalogue of services to FATF standards, the global baseline for AML, CFT and CPF, in any market you operate. Tell us where you are supervised and we will tailor the engagement to it.
This service is backed by the entire AMLVerse.
No NIYEAHMA service operates alone. Every engagement draws on a connected network of jurisdiction platforms, knowledge bases, professional tools, and technology, built and run by the same team.
Part of the AMLVerse.
These consulting services are one part of the AMLVerse, Niyeahma's wider ecosystem connecting the knowledge, expertise, tools, professionals and technology that AML compliance actually requires. When a challenge needs more than advisory support, we can bring the rest of the ecosystem to bear, so your compliance is solved end to end rather than in pieces.
AML Consulting Services, FAQ.
They are advisory and hands-on services that help a regulated business build, run and defend its AML programme, covering risk assessment, policies and controls, governance and staffing, onboarding and due diligence, screening and monitoring, training, and regulatory reporting.
The full lifecycle: policy and control documentation, in-house department setup, risk assessments, training, health checks, business risk assessment, screening testing and validation, regulatory reporting, and KYC and CDD managed services.
We work across the United Arab Emirates, the United Kingdom, Australia, Singapore, India, the Kingdom of Saudi Arabia and Hong Kong, and we deliver the same catalogue to FATF standards in any other market you operate. Each service is framed to your regulator's expectations.
We do not have fixed pricing. You tell us the services you need or the pain points you have, and we provide our rates, inclusions and exclusions in a proposal, so you pay for what you actually need.
Yes. We support businesses setting up an AML framework from scratch, strengthening an existing programme, and responding to regulatory findings or remediation orders. The engagement is scoped to where you are.
Either. We can support your existing team on specific tasks, provide surge capacity, or run a function as a managed service. Many clients use a hybrid: key roles in-house, with managed support for the rest. See our In-House AML Compliance Department Setup and KYC and CDD Managed Services.
Yes. We help with the tasks around achieving AML and CFT compliance, including preparing your AML/CFT policy, determining the right procedures, forming the compliance department, selecting a compliance officer and team, training employees, selecting suitable AML software and vendors, filing forms and reports with the relevant authorities, and running periodic health checks.
Software is a tool. Consulting makes sure that tool is configured to your risk, sits inside a sound framework, and is run and governed properly. We are vendor-neutral, so we help you get the most from whatever systems you use, including independent screening testing and validation.
Both. We deliver defined projects, such as a risk assessment or a health check, and ongoing support, such as managed KYC, interim cover, periodic reviews and training, depending on what you need.
Usually quickly. We begin with a short scoping conversation to understand your needs and priorities, then agree a realistic timeline in the proposal and work to your regulatory deadlines.
Yes. Alongside AML, we can advise on licensing and setup, including choosing the right structure or free zone for your business, so your compliance is built in from day one rather than retrofitted later.
The Right Support, From the Right People.
Planned, efficient and complete AML consulting services for your business. Tell us what you need, and our global AML consultants will scope it with you.