Flagship Manual

2026 Unified Compliance Master Manual

Asset Overview

A comprehensive 60-page framework updated for the CMA’s aggressive oversight strategy and AED 250M penalty threshold.

Technical Specifications

The "Three Pillar" Strategy: AML, CFT, and the new CPF requirements under Resolution 134.
Sanctions Protocol: Real-Time Screening workflows against Local and UN Lists.
Commercial Gaming Annex: Specific rules for the AED 11,000 threshold.
Staff Training Log: Official record templates for annual compliance sign-offs.

Statutory Note: This asset constitutes structural guidance reflecting current UAE regulations but does not substitute for formal legal counsel. Operational implementation remains the responsibility of the appointed MLRO.

Licensing Fee

AED 4,500

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Document Code: CMA-AML-01
Version: 4.0.0 (2026 Revision)
Statutory Basis: Federal Decree Law No. 33 & Cabinet Resolution No. 134

COMPLIANCE PRO

2026 Unified AML/CFT/CPF Policy Manual

1.0 Introduction to the Tri-Pillar Regulatory Landscape
2.0 The "Three Pillar" Strategy
- 2.1 Anti-Money Laundering (AML) Fundamentals
- 2.2 Counter-Terrorist Financing (CFT) Typologies
- 2.3 Counter-Proliferation Financing (CPF) Mandates
3.0 Sanctions Protocol & Real-Time Screening
- 3.1 Integration with UAE Local Terrorist List
- 3.2 UN Consolidated List Alignment
4.0 Commercial Gaming Annex
- 4.1 Regulatory Threshold Application (AED 11,000)
5.0 Staff Training Log & Audit Trail

Chapter 1.0: Introduction to the Tri-Pillar Regulatory Landscape

This Policy Manual represents the primary operational governance framework for Designated Non-Financial Businesses and Professions (DNFBPs) and Virtual Asset Service Providers (VASPs). It is rigorously engineered to respond to the 2025 structural elevation whereby the Capital Market Authority (CMA) assumed direct regulatory enforcement jurisdiction over overarching federal financial compliance.

Central to this mandate is the implementation of the expanded "Three Pillar" strategy explicitly required under Federal Decree Law No. 33 of 2025 and its executing codicils. This strategy permanently integrates Counter-Proliferation Financing (CPF) as an equal disciplinary focus alongside traditional Anti-Money Laundering (AML) and Counter-Terrorist Financing (CFT) controls. Pursuant to Cabinet Resolution No. 134, all targeted financial sanctions policies must function dynamically, ensuring absolute real-time interception of unverified economic streams before asset dispersion or settlement.