AML.UK
GuidanceAML UK publishes practitioner guidance for the UK regulated sector. This is not a Government service — read about our independence.
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Independent UK financial-crime guidance since 2014

Guidance for firms subject to the Money Laundering Regulations 2017.

AML UK publishes practitioner guidance, template controls and case notes for the UK regulated sector, and delivers supervisory-standard reviews under POCA 2002, the Terrorism Act 2000, the UK sanctions regime and the Money Laundering Regulations 2017.

Start nowRead the regulations
Services and guidance

What we do for regulated firms

All work is led by a named partner with in-house financial-crime experience. We do not sell technology, screening data or introducer services. Our only product is independent advice.

  • Independent audits & Section 166

    Evidence-led reviews of firm-wide risk assessments, CDD populations, transaction monitoring calibration and SAR governance — mapped to the statutory obligation.

  • Policies & procedures

    AML, CTF and sanctions policy suites drafted or refreshed to the current JMLSG standard and reviewed against your supervisor's expectations.

  • MLRO cover & retainer

    Outsourced or deputy MLRO, SAR triage, DAML strategy, board reporting and Regulation 21 governance support.

  • Training & attestation

    Board induction, senior manager briefings and front-line typology workshops with retained attestation records.

  • Authorisation support

    FCA registration, HMRC MSB / TCSP registration and cryptoasset Regulation 57 applications, including responses to skilled-person conditions.

  • Sector programmes

    Bespoke financial crime programmes for challenger banks, EMIs, payment institutions, wealth managers, TCSPs and cryptoasset businesses.

Statutory framework

The six instruments behind the UK AML regime

The UK anti-money laundering regime is built on layered primary and secondary legislation, enforced by a mesh of statutory and professional supervisors and interpreted through the FCA Financial Crime Guide and the JMLSG Guidance.

Explore all UK AML legislation →
Who this guidance is for

Regulated sectors we cover

Our engagement history covers the full perimeter of Regulation 8 of the MLR 2017.

  • Banking & payments
    FCA · PSRs 2017 · EMRs 2011
  • Legal & TCSPs
    SRA · CILEx · BSB
  • Property & estate agents
    HMRC · ECTEA 2022
  • Cryptoasset businesses
    FCA reg. 57
  • Art market participants
    HMRC · MLR amdt. 2019
  • Gambling operators
    Gambling Commission
  • Wealth & investment
    FCA · JMLSG Part II
  • Accountancy practices
    ICAEW · ACCA · CIOT
1,400+
CDD files reviewed in 2025-26
£4.6bn
AUM under advised monitoring frameworks
37
FCA / HMRC authorisations supported
9
Live Section 166 engagements since 2020
Diagnostic

Request a 30-minute exposure review

Six questions, one call, a written summary against the most common supervisory findings we see in your sector. There is no charge and no sales follow-up unless you ask for one.

Request the review
Sample findings — anonymised
Q2 2026
  • Firm-wide risk assessment older than 12 months
    High risk
  • No board-level management information on SAR quality
    High risk
  • Regulation 21 governance documented and evidenced
    Compliant
  • Monitoring scenarios untested since implementation
    High risk
  • PEP procedure aligned to revised Regulation 35
    Compliant
  • EDD population not sampled in the last 6 months
    Medium
Frequently asked

Common questions from prospective clients

  • No. AML UK Advisory Ltd is an independent private company and does not exercise statutory powers. We publish guidance and deliver commissioned advisory work for firms in the UK regulated sector. Regulatory supervision remains with the FCA, HMRC, the Gambling Commission and the professional body supervisors.

  • Yes. Our client base covers England, Wales, Scotland and Northern Ireland, and includes UK subsidiaries of overseas groups. Fieldwork is delivered on-site where the engagement calls for it and remotely where it does not.

  • Our partners have held SMF17 approval and can be proposed to the FCA on a case-by-case basis for firms whose scale and risk profile fit. For most clients we act as a deputy or advisory MLRO alongside the in-house appointment.

  • Engagements are covered by legal professional privilege where scoped through counsel. Information is held on segregated infrastructure to an ISO/IEC 27001-aligned control set, with named access, encryption in transit and at rest, and destruction to Regulation 40 timescales.

  • Fixed fee for defined projects (firm-wide risk assessments, Section 166 support, CDD reviews) and monthly retainers for ongoing MLRO or advisory cover. Every proposal sets out scope, deliverables, timetable and a named partner-in-charge before work starts.

Next steps

Speak to a partner about your firm's obligations

A single call with a partner, an NDA if you want one, and a written proposal within five working days. No panel processes and no juniors on the file.

Contact us