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Template · Internal
AML Policy & Procedures Template (UK, Free Download)
A comprehensive manual for your firm's AML compliance.
Built by a practising Chartered Accountant · Unlimited users · 60-day free trial · Last updated 23 September 2026
Quick answer
An AML policy and procedures document outlines the specific steps your firm takes to prevent money laundering, from onboarding to reporting suspicious activities.
Who is this sent to, and when?
- Sent to
- Staff
- When to send it
- On joining and during annual training
What should be in an AML policy?
It should cover all aspects of your firm's AML compliance framework.
- Role of the MLRO
- Onboarding and CDD procedures
- Reporting suspicious activities (SARs)
- Staff training requirements
- Record keeping
Preview the template
Template only. Review with a solicitor or your professional body before use.
AML Policy & Procedures Template
AML Policy & Procedures
[Firm Name] is committed to high standards of AML compliance.
1. Money Laundering Reporting Officer (MLRO)
The MLRO for the firm is [Name].
2. Customer Due Diligence (CDD)
We will identify and verify every client before starting work. This includes [List Procedures].
3. Suspicious Activity Reporting
Any staff member who suspects money laundering must report
Preview shows the opening and key sections. The full editable file is free to download below.
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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?
- Not appointing an MLRO
- Failing to train staff
- Poor SAR reporting procedures
- Generic policies not tailored to the firm
“Automation saves time and no follow-up is missed.”
Frequently asked questions
Who can be an MLRO?
Usually a senior person in the firm with sufficient authority.
Is staff training mandatory?
Yes, all relevant staff must be trained.
What is a SAR?
A Suspicious Activity Report filed with the NCA.
Can I tell the client about a SAR?
No, that would be 'tipping off', which is a criminal offence.
How long to keep records?
At least 5 years after the relationship ends.
Does a sole trader need a policy?
Yes, even sole practitioners need documented procedures.
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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.”
