AML/CFT/CPF Manual 2026 — Compliance Framework for UAE DNFBPs

Most AML guidance is written for banks. This manual is written for the small business actually trying to comply — DNFBPs, jewelers, real estate brokers, dealers in precious metals and stones operating under UAE Ministry of Economy supervision.

Includes:

• The complete UAE regulatory framework — laws, cabinet decisions, authorities (Federal Decree-Law No. 20/2018 as amended, Cabinet Decision 10/2019, NAMLCFTC, Ministry of Economy, FIU)
• Governance and the Business Risk Assessment
• Customer Risk Assessment and CDD/EDD procedures
• Sanctions, Targeted Financial Sanctions (TFS) and PEP screening
• Transaction monitoring and red flags
• STR/SAR reporting via goAML, record keeping, training and review
• 13 ready-to-use working templates (Business Risk Assessment, Customer Risk Assessment, CDD, Beneficial Ownership Declaration, PEP Declaration, Sanctions & TFS Screening Log, Transaction Monitoring Log, Internal Escalation Record, STR/SAR Internal Decision Record, Training & Awareness Log, AML Review & Update Log, Document Version Control Sheet, and more)
• A summary table of official UAE fines and administrative sanctions

Format: 118-page manual. Available in three formats — PDF, DOCX, or EPUB — choose your preferred format at checkout. Instant digital download.

Who it's for: Owners and compliance officers of DNFBPs operating in the UAE (jewelers, real estate, precious metals/stones dealers) who need to build a proportionate, defensible AML program.

By Donata Anderloni — founder of a UAE fine jewelry brand and a DNFBP compliance practitioner with direct, hands-on regulatory experience.

This manual is provided for educational and informational purposes only and does not constitute legal advice.