Sectors We Serve

Who is covered

Real estate agents, precious metals and stones dealers, lawyers, notaries, accountants, trust and company service providers, and other designated professions under UAE AML law.

Key AML obligations

• Register on goAML and file STRs
• Appoint a compliance officer or MLRO
• Conduct CDD/KYC on all clients
• Maintain AML policies and procedures
• Conduct risk assessments and audits

Typical compliance gaps

• No written AML/CFT policy or manual
• Unregistered on goAML platform
• Incomplete client due diligence records
• No staff training or training records

How Stellar helps

We provide end-to-end compliance support — from policy drafting and goAML registration to outsourced MLRO services and inspection readiness.

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Who is covered

Real estate brokers, agents, developers, and related businesses involved in property sales, rentals, and management in the UAE.

Key AML obligations

• Verify buyer and seller identities
• Screen against sanctions lists
• Report suspicious transactions
• Maintain transaction records for 5+ years

Typical compliance gaps

• No CDD for cash or high-value transactions
• Missing beneficial ownership identification
• Weak record-keeping practices

How Stellar helps

We help real estate businesses implement risk assessments, screening processes, and reporting discipline that meet regulatory expectations.

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Who is covered

Gold and precious metals dealers, precious stones traders, refineries, and related businesses operating in the UAE's high-value commodities market.

Key AML obligations

• Enhanced CDD for high-value transactions
• Cash transaction monitoring
• Supply chain due diligence
• Detailed transaction documentation

Typical compliance gaps

• Cash transactions without adequate controls
• Insufficient source-of-funds documentation
• Weak internal screening processes

How Stellar helps

We emphasize controls for high-risk transaction environments, robust documentation practices, and screening processes tailored to the precious metals sector.

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Who is covered

Management consultancies, corporate service providers, company formation agents, and advisory firms that handle client funds or facilitate business structures.

Key AML obligations

• Client due diligence and ongoing monitoring
• Beneficial ownership identification
• Reporting governance framework
• AML/CFT policy documentation

Typical compliance gaps

• Informal CDD processes
• Lack of formal reporting governance
• No beneficial ownership tracking

How Stellar helps

We focus on policy design, client due diligence frameworks, and reporting governance structures that keep your firm compliant and audit-ready.

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Who is covered

SMEs operating in DMCC, DIFC, JAFZA, Sharjah free zones, and other UAE free trade zones that fall under AML/CFT regulatory requirements.

Key AML obligations

• Compliance with free zone authority requirements
• AML framework implementation
• goAML registration and reporting
• Regular compliance audits

Typical compliance gaps

• No dedicated compliance resource
• Compliance viewed as a checkbox exercise
• Outdated or template-based policies

How Stellar helps

We provide practical, cost-effective compliance support designed for firms that need external capability without the overhead of a full-time compliance team.

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Who is covered

Cryptocurrency exchanges, wallet providers, token issuers, and other virtual asset businesses operating under UAE regulatory frameworks (VARA, SCA, ADGM, DIFC).

Key AML obligations

• Travel rule compliance
• Enhanced CDD for virtual asset transfers
• Transaction monitoring and blockchain analytics
• Comprehensive AML/CFT framework

Typical compliance gaps

• Evolving regulations hard to track
• Complex cross-border transaction flows
• Unique risk factors for digital assets

How Stellar helps

We support VASPs with AML framework design, regulatory submissions, ongoing compliance management, and preparation for supervisory reviews.

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