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🇦🇪 UAE Ministry of Economy — FY 2025 Compliance

AML Risk Assessment UAE
From AED 999.

The UAE Anti-Money Laundering Department has mandated all Designated Non-Financial Businesses and Professions (DNFBPs) to complete the FY 2025 AML/CFT Risk Assessment. Fastlane handles the entire questionnaire, portal submission, and documentation — accurately, fast, and fully compliant. Non-participation can result in fines up to AED 5,000,000 and legal liability.

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📞 Call us: +971 55 127 3479
⚖️ Ministry of Economy Compliant
📋 All 3 Sections Covered
🏠 Real Estate Specialist
⚡ 2–3 Day Turnaround
🏢 Dubai Office
⚠️ Reminder from Ministry of Economy: The FY 2025 AML/CFT Risk Assessment data collection process has been launched for all DNFBP sectors. Participation is mandatory and must be completed on or before the target date. Non-participation or incorrect information can expose your establishment to legal accountability or financial fines.
100+
AML assessments completed for UAE businesses
AED 5M
Maximum fine for non-compliance
2–3
Business days from documents to submission
AED 999
Fixed fee — all sections included

Who Needs the AML Risk Assessment?

If your business falls under any DNFBP category supervised by the Ministry of Economy and Tourism, completing the annual AML/CFT Risk Assessment is a legal requirement under UAE Federal Decree-Law No. 20 of 2018. Failing to file — or filing incorrect information — carries serious consequences.

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Real Estate Agents & Brokers

Buying, selling or leasing on behalf of clients

📊

Accountants & Auditors

Accounting, audit, and financial advisory firms

⚖️

Lawyers & Legal Firms

Law firms, notaries, and independent legal advisors

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Precious Metals & Gems

Gold, diamond, and jewellery traders

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Corporate Service Providers

Company formation, registered agents, nominees

The Cost of Not Complying

The Ministry of Economy is actively monitoring compliance. The consequences of non-participation — or submitting inaccurate information — are significant and enforceable under UAE law.

⚠️ Financial Fine
Up to AED 5M
Administrative fines for non-participation or providing incorrect information to the Ministry of Economy
⚠️ Legal Liability
Criminal Exposure
Legal accountability for your establishment and management under UAE AML-CFT legislation
✅ Fastlane Service
AED 999
Full assessment completed, submitted, and confirmed. Fixed fee, no surprises.
✅ Turnaround
2–3 Days
From receiving your documents to Ministry portal submission and confirmation records sent to you

How It Works — 3 Simple Steps

We handle the complexity so you can focus on your business. No portal login required from you — we manage it end-to-end.

1
Day 1

Share Your Documents

Send us your trade license, company ownership structure, and basic business information. We'll send you a simple checklist so nothing is missed.

2
Day 1–2

We Complete the Questionnaire

Our AML compliance experts complete all three sections — business profile, risk categories (2.1 through 2.5), and compliance framework — accurately and in full.

3
Day 2–3

Review, Submit & Confirm

You review and approve. We submit directly to the Ministry of Economy portal and send you confirmation records for your compliance file.

Pricing — Fixed Fee

Complete Service Package
AED 999 /entity

One fixed fee — all sections, all categories, full portal submission included

  • FY 2025 AML/CFT Risk Assessment questionnaire completed in full
  • Ministry of Economy portal submission handled
  • Section 1 — Business profile & beneficial ownership
  • Section 2 — All risk categories (2.1 through 2.5)
  • Section 3 — Compliance Officer & training framework
  • Supporting documents checklist provided
  • Submission confirmation & compliance records
  • Follow-up Q&A support included
Start My Assessment → 📞 Call Us

Every Section of the Questionnaire — Covered

The AML/CFT Risk Assessment questionnaire has three main sections with multiple sub-categories. Fastlane handles every single field accurately — including the detailed category 2 risk questions that most businesses find complex.

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Section 1 — Business Profile Registration authority, legal form, trade license, shareholding structure, beneficial ownership up to UBOs, banking relationships, DNFBP affiliates
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Section 2.1 — Business Risk Categories Ownership complexity, employee count, branch structure, POA arrangements, transaction volumes and values for the reporting period
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Section 2.2 — Customer Risk Client types (resident/non-resident), natural persons vs corporate clients, Politically Exposed Persons (PEPs) screening, CDD measures, third-party reliance
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Section 2.3 — Technology Risk Digital channels, emerging technologies, online platforms, payment methods accepted (cash, bank transfer, cheque, virtual assets)
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Section 2.4 — Geographic Risk High-risk countries, cross-border transactions, FATF sanctions compliance, UNSCR obligations, Iran/North Korea/Myanmar client screening, OFAC/EU/OFSI sanctions
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Section 2.5 — Product & Service Risk Real estate brokerage activities, cash transactions, virtual asset payments, trust arrangements, assets under management, financial instruments used
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Section 3 — Compliance Framework Compliance Officer appointment and qualifications, reporting lines, AML/CFT policies and procedures, staff training records, outsourced compliance arrangements

Ready to get your assessment done?

Fixed fee AED 999 — completed in 2–3 business days

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What the Law Requires — Key Obligations

The AML Risk Assessment sits within a broader set of AML/CFT obligations that all UAE DNFBPs must maintain year-round. Understanding these helps you stay protected beyond just the annual assessment.

1

Annual Risk Assessment Filing

All DNFBPs must complete the Ministry of Economy's annual ML/TF Risk Assessment questionnaire through the official portal. This is mandatory every financial year — FY 2025 is a new cycle with updated sections including Proliferation Financing (PF) risk categories added for the first time.

2

Compliance Officer Appointment

Every DNFBP must appoint a Compliance Officer with authority and independence to perform their duties. The officer must have relevant AML/CFT experience, prepare periodic reports to senior management, and ensure ongoing compliance with UAE AML-CFT legislation. Fastlane can advise on compliance officer requirements and responsibilities.

3

Customer Due Diligence (CDD)

DNFBPs must conduct CDD on clients — verifying identity, understanding the nature of the relationship, and applying enhanced due diligence (EDD) for high-risk clients including PEPs, non-resident clients, and clients from high-risk jurisdictions. These client records directly inform the risk assessment answers.

4

Staff Training on AML/CFT

All staff must receive AML/CFT training covering UAE legislation, ML/TF risks specific to your sector, their own responsibilities, and how to identify and report suspicious activity. Training records are required as part of the Section 3 questionnaire responses.

5

Sanctions Screening

DNFBPs must screen clients against the UAE Local Terrorist List, UN Consolidated Sanctions List, and international lists (OFAC, EU, OFSI). Clients from Iran, North Korea, and Myanmar require enhanced attention. The risk assessment requires you to confirm your screening procedures and declare any matches.

AML Portal — Ministry of Economy

The risk assessment is submitted through the official Ministry of Economy & Tourism risk assessment portal. Fastlane has direct experience with the portal interface, required document attachments, and submission process — removing this burden from your team entirely.

RequirementDetailFastlane Handles?
Portal login & navigationMinistry of Economy risk assessment portal✅ Yes
Questionnaire completionAll sections 1, 2, and 3✅ Yes
Document attachmentsTrade license, ownership structure, others✅ Checklist provided
PEP & sanctions screeningUAE, UN, OFAC, EU, OFSI lists✅ Yes
Submission confirmationConfirmation records for your compliance file✅ Yes
Follow-up queriesMinistry queries post-submission if any✅ Yes

Frequently Asked Questions

What is the AML/CFT Risk Assessment and is it really mandatory?
Yes — it is mandatory for all DNFBPs under UAE Federal Decree-Law No. 20 of 2018 on Anti-Money Laundering. The Ministry of Economy's Anti-Money Laundering Department launched the FY 2025 data collection process for all DNFBP sectors. Participation is not optional. The Ministry letter itself states that non-participation or providing incorrect information can expose your establishment to legal accountability or financial fines.
What penalties apply for non-compliance?
Financial fines can reach up to AED 5,000,000 for non-participation or submitting incorrect information. Beyond financial penalties, non-compliance can expose your business and its management to legal accountability under UAE AML-CFT legislation and administrative sanctions from the Ministry of Economy.
What documents do I need to provide to Fastlane?
Typically: your trade license, full shareholding/ownership structure up to beneficial owners, Compliance Officer details, banking relationship information, and basic transaction data for the FY 2025 reporting period (number of transactions, client types, transaction values in ranges). We'll send you a simple checklist when you get in touch — most clients have everything ready within a day.
Do you specialise in real estate agents and brokers?
Yes — real estate brokers and agents are one of the primary DNFBP categories and represent a large share of our AML assessment clients. We handle the specific sub-categories for real estate including 2.5A (brokerage activities, cash payments above AED 55,000), 2.5F (cash transactions), 2.5G (virtual asset payments), geographic risk, and client risk profiles typical of real estate businesses.
We already submitted FY 2024 — do we need to do FY 2025 as well?
Yes. The risk assessment is required every financial year. FY 2025 is a new and separate filing cycle. The FY 2025 questionnaire also includes updated sections including Proliferation Financing (PF) risk categories not present in previous years. If FY 2025 is already submitted, the Ministry reminder states you may ignore the reminder — but if not yet submitted, it is required.
Is AED 999 per company or per person?
AED 999 is per legal entity / trade license. If you have multiple companies or branches that each require separate Ministry of Economy filings, each is priced at AED 999. We offer discounts for clients with 3 or more entities — contact us to discuss.
How long does the assessment take once I share my documents?
Most assessments are completed and submitted within 2–3 business days of receiving all required documents. If you have a deadline concern or urgent submission requirement, contact us and we will do our best to accommodate a faster turnaround.
We don't have a Compliance Officer — can you still help?
Yes. We assist businesses at all stages of compliance maturity. We can advise on how to designate or appoint a Compliance Officer, what their responsibilities should include, and how to structure your AML framework to properly answer Section 3 of the questionnaire. Contact us and we will assess your situation and advise accordingly.

Complete your FY 2025 AML Risk Assessment

AED 999 fixed fee · 2–3 day turnaround · Ministry of Economy compliant

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📍 Office 33, 2nd Floor, Sheikh Rashid Building, Al Souq Street, Bur Dubai  |  📞 +971 55 127 3479  |  Mon–Fri 9am–6pm