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Template · Internal
AML Client Risk Assessment Form Template (UK, Free Download)
A crucial part of your Customer Due Diligence (CDD) process.
Built by a practising Chartered Accountant · Unlimited users · 60-day free trial · Last updated 23 September 2026
Quick answer
This form helps you assess and record the money laundering risk of each individual client, helping you decide the level of due diligence required.
Who is this sent to, and when?
- Sent to
- Internal Files
- When to send it
- At onboarding and during periodic reviews
How to assess a client's risk?
Evaluate the client's background, source of funds, and business activities.
- Client identity verification
- Source of wealth/funds
- Nature of business
- PEP/Sanctions check
- Final risk score
Preview the template
Template only. Review with a solicitor or your professional body before use.
AML Client Risk Assessment Form Template
AML Client Risk Assessment
Client Name: [Client Name]
Date: [Date]
1. Identification & Verification
Have we verified the identity of all beneficial owners? [Yes/No]
2. Risk Factors
PEP/Sanctions Check: [Pass/Fail]
High-Risk Jurisdiction: [Yes/No]
Complex Ownership Structure: [Yes/No]
3. Source of Funds
Has the source of funds/wealth been established? [Details]
4. Overall
Preview shows the opening and key sections. The full editable file is free to download below.
See it working with your own clients
A 30-minute walkthrough using your services, deadlines and templates.
Send this from Remindoo
Save it once in Remindoo and send it from there. Store the wording as an email template, then use tokens so client names, company numbers and dates fill in automatically. Send it to one client or to a filtered group with bulk client emails. For requests that repeat, pair it with automated reminders and a recurring task so it goes out every period without anyone remembering.
What are the common mistakes?
- Incomplete source of funds checks
- Ignoring PEP status
- Poor documentation of findings
- Not updating for long-standing clients
“Companies House integration onboards clients in minutes; AML scoring keeps us compliant.”
Frequently asked questions
What is a PEP?
A Politically Exposed Person who may be at higher risk for bribery or corruption.
What if they are high risk?
Apply Enhanced Due Diligence (EDD) measures.
Do I need to check every year?
Periodic reviews are necessary, but the frequency depends on the risk level.
Is a passport enough?
Identity verification is just one part; you also need to understand the client's business.
What if they refuse to provide info?
You must decline to act if you cannot satisfy CDD requirements.
Can I use software?
Yes, but you must still review the results manually.
Ready to run a calmer practice?
See Remindoo with your own clients, or start free for 60 days with unlimited users.
Sources
Last updated 23 September 2026. General guidance, not regulatory advice.
Why recording AML checks properly matters
UK accountants must follow the Money Laundering Regulations and their supervisor's guidance. If a check is not recorded, supervisors will generally treat it as not done.
Evidence for your supervisor
Dated ID checks and risk assessments on each client file are what a supervisor asks to see during a review.
Consistent risk scoring
A standard risk assessment means every client is judged the same way, whoever onboarded them.
Ongoing monitoring
Reminders for periodic reviews help keep checks current rather than done once and forgotten.
Faster onboarding
Built-in digital ID and AML checks in Remindoo reduce back-and-forth with new clients.
Practical tips from UK practice
- Complete identity checks and a risk assessment before starting chargeable work.
- Set review dates by risk level, with higher-risk clients reviewed more often.
- Record the reason for each risk rating, not just the rating.
- Check your supervisor's current guidance, as requirements can change.
Related Remindoo features
Written and reviewed by Waqas Sagar ACA FCCA FMAAT, Chartered Accountant with 18+ years in practice. Founder and MD of Accotax, an ICAEW, ACCA and AAT regulated London practice that has served over 5,000 clients, and founder of Remindoo. Guidance is general; check current GOV.UK and professional body guidance for your firm.
What UK practices say about Remindoo
Read all reviews on Trustpilot“With Remindoo, everything from the first enquiry to onboarding and ongoing client management is tracked in one place… It saves us hours and gives me, as a practice owner, complete visibility of where the firm stands.”
“The biggest benefit is having clients, tasks, deadlines, workflows, proposals and communication all organised in one place.”
“During my trial, the team were absolutely amazing. They helped onboard my clients, set up my settings and made sure everything was ready for me to use… they made the whole process completely stress-free.”
“It brings client information, tasks, recurring deadlines, workflows and reminders together in one place, giving us much better visibility across the team.”
