goAML Reporting Services in the UAE
We help Financial Institutions, DNFBPs and VASPs file the right goAML report, accurately and on time, with the UAE FIU.
Services
Our goAML Services
Every goAML report has its own trigger and deadline. We assess the case, prepare the report and file it through your goAML account.
- Cash deposits split to stay under limits
- Payments with no clear business purpose
- Funds routed through unrelated third parties
Suspicious Transaction Report (STR)
Filed when you suspect a transaction, completed or attempted, is linked to money laundering, terrorist financing or proliferation financing. We review the red flags and draft a clear, fact-based report.
Get STR support- Client refuses source-of-funds documents
- Unusual urgency or secrecy about a deal
- Deal abandoned after KYC questions
Suspicious Activity Report (SAR)
Filed for suspicious activity or behaviour where no specific transaction is involved, such as a client refusing to share source-of-funds documents. We confirm SAR vs STR and file the right one.
Get SAR support- Payments sent to or received from a listed country
- Customer or beneficial owner based in a listed country
- Goods or funds routed through a listed country
High-Risk Country Transaction Report (HRC)
Filed for transactions linked to high-risk jurisdictions, such as those on the FATF call-for-action list. We map your exposure and file complete HRC reports.
Get HRC support- New client resident in a listed country
- Onboarding or enquiry with no funds moved yet
- Beneficial owner linked to a listed country
High-Risk Country Activity Report (HRCA)
Filed for activities linked to high-risk jurisdictions where no funds have moved, such as onboarding a client from a listed country. We separate HRCA events from HRC transactions.
Get HRCA support- Name matches a listed person, other details unclear
- Date of birth or nationality cannot be confirmed
- ID documents do not rule the match out
Partial Name Match Report (PNMR)
Filed when screening gives a partial match with the UN Consolidated List or UAE Local Terrorist List. You must suspend the transaction and report it until the EOCN confirms the outcome.
Get PNMR support- Name and identifiers match a listed person
- Funds or assets held for a designated party
- Counterparty in a transaction is designated
Confirmed Name Match Report (CNMR)
Filed when a customer or counterparty is a confirmed match with a sanctions list. Funds must be frozen within 24 hours, or the transaction rejected, and the freeze reported.
Get CNMR support- Cash sale of AED 55,000 or more
- Wire-transfer deal of AED 55,000 or more
- Precious metals, stones or jewellery involved
Dealers in Precious Metals and Stones Report (DPMSR)
Gold, diamond and jewellery dealers must report transactions of AED 55,000 or more in cash or wire transfer, with the customer's ID documents. We set up tracking and file on time.
Get DPMSR support- Freehold sale or purchase paid in cash
- Payment made in virtual assets
- Funds derived from virtual assets
Real Estate Activity Report (REAR)
Real estate brokers, agents and lawyers must report the purchase or sale of freehold property paid in cash or virtual assets. We identify qualifying deals and file the REAR.
Get REAR supportProcess
How We Handle Your goAML Reporting
Assess
We review the case and confirm which report applies.
Prepare
We collect documents and draft the report to FIU standards.
File
Your Compliance Officer approves and we submit it on goAML.
Follow up
We handle FIU or EOCN queries and keep records inspection-ready.
Not sure which goAML report to file?
Share the facts with our AML team and we will tell you which report applies and what you need to submit it.
FAQs
FAQs About goAML Services
What is the difference between an STR and a SAR?
An STR reports a suspicious transaction, completed or attempted. A SAR reports suspicious activity or behaviour where no specific transaction is involved.
Can I file goAML reports before completing goAML registration?
No. All reports are filed through your organisation's goAML account, so SACM registration and goAML portal setup must be completed first.
How quickly must a PNMR or CNMR be filed?
Under the EOCN's Targeted Financial Sanctions guidance, both must be submitted within five business days: a PNMR from the suspension, and a CNMR from freezing funds (which must happen within 24 hours) or rejecting the transaction.
Does a DPMSR or REAR mean the customer is suspicious?
No. They are mandatory reports based on value or payment method. If the same deal also raises suspicion, a separate STR or SAR is needed.