Regulator-approved MLRO officers in DIFC, ADGM and across the UAE — for DFSA, FSRA, SCA and CBUAE regulated firms. Outsource the Money Laundering Reporting Officer role to seasoned compliance professionals.
The Money Laundering Reporting Officer is a named, regulator-approved individual responsible for your firm's anti-money laundering and counter-terrorism financing programme. Every regulated UAE firm — DFSA, FSRA, SCA, CBUAE and DNFBPs — must have one.
Hiring a qualified MLRO full-time is expensive, and many smaller regulated firms don't have the volume of work to justify a full-time hire. An outsourced MLRO solves that — you get a named, approved professional handling the role at a fraction of the cost.
For firms that don't need a full-time MLRO, the alternative is either appointing a senior employee who doesn't have the qualifications or risk-appetite for the role, or hiring a full-time MLRO at significant cost. Outsourcing gets you a properly qualified, regulator-approved professional with deep AML expertise — without the headcount cost or recruitment risk.
The Money Laundering Reporting Officer (MLRO) is a named, regulator-approved individual responsible for a firm's AML/CFT programme. The role is mandatory for DFSA-regulated firms in DIFC, FSRA-regulated firms in ADGM, SCA-licensed entities, CBUAE-regulated financial institutions, and Ministry of Economy supervised DNFBPs.
The MLRO's responsibilities, drawn from Federal Decree-Law No. 20 of 2018 and individual regulator rulebooks (e.g. DFSA AMLR Module, FSRA AML Rulebook), include:
A full-time MLRO with sufficient seniority and regulator approval costs USD 120,000 to USD 250,000 per year in the UAE. For smaller firms, this is impossible to justify. Outsourcing gives you a regulator-approved individual at a fraction of the cost, with the added benefit of cross-firm experience.
We confirm the activity, jurisdiction and category. We propose the right individual from our MLRO bench — based on seniority, sector experience and regulator familiarity.
We submit the Authorised Individual application to the regulator (DFSA, FSRA, SCA or CBUAE). Application typically takes 2 to 6 weeks depending on regulator and complexity.
Our MLRO takes over: reviewing your current AML framework, attending governance meetings, taking over goAML reporting, refreshing CDD files and training your team.
Day-to-day MLRO duties, monthly governance reports, quarterly board reporting, annual AML self-assessment, regulator liaison and inspection support. Regular client review meetings.