Policies & Procedures
Comprehensive Compliance Frameworks
Developing compliance manuals aligned with UAE AML laws. We design complete AML/CFT policy suites, SOPs and governance frameworks — regulator-ready and operationally practical.
Building Robust Compliance Foundations
From baseline gap analysis through to board-ready sign-off and implementation support — we deliver end-to-end policy development tailored to your products and jurisdiction. Our frameworks align fully with UAE regulatory requirements, FATF recommendations, and international best practices.
Why Custom Policies Matter
Generic, off-the-shelf policies are the fastest route to regulatory fines. In the UAE, regulators like the Ministry of Economy and Central Bank expect your AML framework to be specifically 'risk-based' and tailored to your unique business model.
We don't just copy-paste; we design frameworks that reflect your actual operational reality. Whether you are a Real Estate Broker dealing with cash transactions or a high-volume Money Exchange, your policies must define specific triggers, risk appetites, and escalation paths unique to you.
The Zeej Framework
Our documentation suite goes beyond the basic AML Policy. We develop a complete ecosystem of governance documents, including Customer Acceptance Policies, Sanctions Screening Methodology, Transaction Monitoring Parameters, and Suspicious Activity Reporting (SAR) Guidelines.
Each document is cross-referenced with Federal Decree-Law No. (20) of 2018 and the latest Cabinet Decisions, ensuring inspection readiness at all times.
Operationalizing Compliance
A policy is useless if staff cannot follow it. That is why we emphasize Standard Operating Procedures (SOPs). We translate legal jargon into clear, step-by-step flowcharts and checklists for your front-line staff.
Our 'Implementation Toolkit' ensures that your Compliance Officer has the actual forms, logs, and registers needed to demonstrate compliance on a daily basis. We bridge the gap between high-level policy and ground-level execution.
Execution Roadmap
A structured, transparent roadmap tailored to your compliance journey.
Discovery Phase
Document collection, regulatory register establishment, and stakeholder interviews.
Risk Input Analysis
Analyzing EWRA inputs and developing product risk matrices.
Drafting Policies
Creating core AML policy, KYC, EDD, PEPs, and Sanctions protocols.
SOP Development
Defining step-by-step operational procedures for each compliance function.
Training Modules
Developing slide decks and role-based training materials.
Implementation Toolkit
Providing checklists, forms, and control evidence templates.
Board Presentation
Executive summary preparation with impact and residual risk analysis.
Final Handover
Train-the-trainer sessions and 90-day ongoing support.
Key Features & Benefits
Regulatory Mapping
Detailed mapping to local laws + FATF + AMLA.
Operational SOPs
Practical guides for onboarding, monitoring & investigations.
Templates & RACI
Ready-to-use templates and responsibility assignment matrices.
Service FAQs
AML policies should be reviewed and updated at least annually, or immediately upon any trigger event such as a change in regulations (e.g., new Cabinet Decisions), launch of new products, or significant changes in the customer base.