goAML Compliance

KYC & Due Diligence Management in UAE

You cannot manage financial crime risk if you do not truly know your customer. JPA sets up and runs your KYC and customer due diligence — verifying identity, beneficial owners and source of funds, and applying enhanced checks on high-risk clients — so onboarding is compliant and your records stand up to scrutiny.

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FTA-Approved Tax Agent
Trusted by 1,500+ UAE businesses
Partner-led since 2001

Overview

Why KYC & Due Diligence Management in UAE with JPA

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What's Included

Everything You Need, Handled

Identity Verification

We verify customer identity from reliable documents and data, capturing the records the FIU and your bank expect to see.

Beneficial Ownership

We trace ultimate beneficial owners behind corporate clients so you know who you are really dealing with.

Source of Funds Checks

We assess where a client’s money comes from and flag where it does not match the profile or activity.

Enhanced Due Diligence

We apply deeper checks to PEPs, high-risk jurisdictions and complex structures, as the risk-based approach demands.

Ongoing Monitoring

We set up periodic review so customer information stays current and changes in risk are caught early.

Audit-Ready Records

We keep structured CDD files for the legally required period so any inspection finds complete, retrievable evidence.

How It Works

A Clear, Partner-Led Process

01
Design
We build your KYC workflow and risk-rating criteria.
02
Collect
We gather and verify client identity and ownership data.
03
Assess
We risk-rate each client and apply due diligence to match.
04
Monitor
We schedule reviews so files and risk ratings stay current.

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Related Services

AML Name Screening Software for UAE BusinessesAML name screening software for UAE DNFBPs — screen customers against UN, UAE and PEP lists with ongoing rescreening and clear audit trails. Set up by JPA Dubai.AML/CFT Policy Making Services in DubaiTailored AML/CFT policies, procedures and controls for UAE DNFBPs. We write a compliant framework the FIU and Ministry of Economy expect, ready for inspection. JPA Dubai.Partial Name Match Report (PNMR) in UAEPNMR filing on the UAE goAML portal — when a client partially matches a sanctions list, we assess and report the partial match to the FIU correctly. JPA Dubai.

FAQ

Frequently Asked Questions

What is the difference between KYC and CDD?+

KYC — Know Your Customer — is the identity-gathering part of onboarding. Customer Due Diligence is the wider process of verifying that information, identifying beneficial owners, understanding the relationship and assessing risk. UAE AML law requires both, with enhanced due diligence for higher-risk clients.

When is Enhanced Due Diligence required?+

EDD applies when risk is higher — politically exposed persons, clients from high-risk jurisdictions, unusually complex or large transactions, and any case where standard checks raise concerns. It means deeper verification, senior approval and closer ongoing monitoring.

How long must we keep KYC records?+

UAE AML/CFT law requires customer and transaction records to be retained for at least five years after the business relationship ends. We structure files so they remain complete and retrievable for the full period.

Do we have to re-check existing customers?+

Yes. Due diligence is not a one-off. You must keep customer information up to date and review it periodically, more often for higher-risk clients. We build that ongoing monitoring into your process so files never go out of date.

FTA-Approved Tax Agent

Ready to Get Started?

Book a free 15-minute consultation with a JPA advisor — no obligation, just clear answers.

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