Assay — What's in the Starter Kit

The rulebook

Policies & Procedures

Documents 01–09 · 9 documents

01 AML/CFT Policy & Procedures Manual The 47-page master document — senior-management-approved, the framework everything else operates within.
02 OECD Due Diligence Policy The 5-step OECD framework for responsible sourcing of gold and diamonds, aligned with Annex II and Kimberley Process.
03 Sanctions & PEP Screening Policy Implements Cabinet Decision 74/2020 and the UAE Local Terrorist List in operational form.
04 Record-Keeping & Data Retention Policy What to keep, how long, how to retrieve when the regulator asks.
05 Tipping-off Prevention & Confidentiality Policy The Article 29 prohibition translated into rules staff can follow.
06 Customer Onboarding & KYC Procedure Pre-transaction screening, ID verification, document collection — the daily workflow.
07 Enhanced Due Diligence Procedure When standard KYC isn't enough: the EDD trigger criteria and the deeper process.
08 STR & goAML Filing Procedure Step-by-step suspicious-transaction reporting on the goAML portal, with the form fields named.
09 Transaction Monitoring Procedure Ongoing monitoring against each customer's risk profile.

What you use day-to-day

Forms & Risk Tools

Documents 10–19 · 10 documents

10 Corporate KYC Questionnaire For onboarding business customers.
11 Individual KYC Questionnaire For onboarding natural-person customers.
12 UBO Declaration Form Beneficial-ownership disclosure aligned with Cabinet Decision 109/2023.
13 Supplier KYC Questionnaire OECD-aligned questionnaire for gold and diamond suppliers.
14 PEP Self-Declaration Form Politically-exposed-person self-disclosure for senior officials.
15 Source of Funds Declaration For any cash transaction at or above AED 55,000.
16 AML Risk Assessment Matrix Excel workbook with working scoring formulas — score customers and the firm against weighted risk factors.
17 Sanctions Screening Log Template Excel template — the working record of every sanctions check.
18 Annual Compliance Calendar 12 months of dates: risk-assessment reviews, MLRO reports, training refreshers, sanctions-list updates.
19 High-Risk Country Reference List Current FATF Grey- and Black-list and UAE high-risk jurisdictions, referenced from the risk matrix.

Sign-off and operations

Governance, Training & Quick Reference

Documents 20–28 · 9 documents

20 MLRO Appointment Letter The formal appointment document.
21 MLRO Job Description What the MLRO does, what authority they hold.
22 MLRO Compliance Report Template The quarterly/annual report the MLRO files to senior management.
23 Independent AML Audit ToR & Findings Template Terms of reference plus findings format for the periodic external audit.
24 Three-Lines-of-Defence Org Chart The governance diagram for senior management sign-off.
25 Staff AML Awareness Training Deck PowerPoint, 25 slides — ready to run as your next all-hands.
26 Red Flags for DPMS Staff A printable one-pager for the trading floor.
27 DMCC Inspection Readiness Checklist The document we expect an inspector to ask for, and what your answer should be.
28 Glossary and How to Use This Kit Terminology plus a sequenced rollout guide ("Start with 01, sign 20 next…").

What an inspection checks

Six things an inspector asks for. Six answers in the box.

i A written AML/CFT policy, adopted by management Answered by Doc 01.
ii A named, appointed MLRO Answered by Docs 20–22.
iii Customer due-diligence files Answered by Docs 06–07, 10–11.
iv A documented risk assessment Answered by Doc 16.
v DPMSR & STR filing procedures Answered by Docs 08–09.
vi Staff training records Answered by Docs 25–26.

Delivery · 48 Hours

All files in Word (.docx), Excel (.xlsx), PowerPoint (.pptx) and PDF Editable, not locked Yours forever

Keep it current — free, for 12 months.

Your kit comes with My Kit, a free account. If your MLRO, registered address or risk profile changes, update your profile and re-generate your kit — no re-purchase. And a built-in compliance calendar tracks your recurring obligations (risk-assessment review, MLRO report, training, licence renewal, and your sector's filing triggers) and reminds you before each one is due.

What's in the Starter Kit.

AML/CFT Policy & Procedures Manual

Policies & Procedures

Forms & Risk Tools

Governance, Training & Quick Reference

Six things an inspector asks for. Six answers in the box.

Keep it current — free, for 12 months.

Get the kit. Ship it through your firm this week.