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KYC / AML Services

AML Framework Consultant UK

AML Policy Development • Risk-based Approach • Transaction Monitoring • FATF Readiness
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AML Framework Consultant UK

If your business needs a trusted AML framework consultant, Acumen Global Compliance Ltd delivers over 15 years of hands-on anti-money laundering compliance expertise. Based in London, we help fintech companies, payment institutions, MSBs, crypto firms, and e-money institutions across the United Kingdom build AML policies, risk frameworks, and FATF readiness strategies, protecting your business from regulatory penalties and reputational harm.

250+

Successful applications

15+

Years of AML expertise

ICA · APCC · CISI certified

Free initial consultation

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    • +44 (0) 207 096 2100
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    What is an AML framework and why does it matter for UK businesses?

    An AML framework is a structured compliance system that helps regulated businesses detect, prevent, and report money laundering activity. In the UK, the Money Laundering Regulations 2017 (MLR 2017), enforced by the FCA and HMRC, require all relevant financial services firms to maintain a documented, risk-based AML compliance programme.

    Failing to have a compliant AML governance framework exposes your business to serious consequences: FCA investigations, heavy financial penalties, criminal prosecution, and permanent licence revocation. For London-based fintech startups, Canary Wharf payment institutions, City of London banks, and international MSBs entering the UK market, this risk is very real.

    A qualified AML framework consultant in the UK, like Acumen Global Compliance Ltd, ensures your policies, procedures, risk assessments, and controls are built to meet and exceed  FCA and FATF expectations from day one.

    AML policy development

    Comprehensive written policies tailored to your firm's business model, risk profile, and FCA obligations.

    Risk-based approach

    A proportionate risk-based approach to AML aligned with FATF standards and UK regulatory expectations.

    Transaction monitoring

    Systems and procedures for detecting and reporting suspicious patterns across your customer base.

    FATF readiness

    Full FATF compliance gap analysis and readiness strategies for UK and international operations.

    What's Included

    What's included in our AML compliance services

    AML policy and framework built

    • AML policy drafting and documentation
    • AML risk framework design and implementation
    • Compliance risk assessment(firm-wide and product-level)
    • Risk-based approach to AML documentation
    • AML governance framework structure
    • MLRO appointment and outsourcing support

    Customer due diligence and onboarding

    • AML onboarding procedures design
    • KYC (Know Your Customer) framework implementation
    • Source of funds checks and verification procedures
    • Politically exposed persons (PEP) checks and procedures
    • Enhanced due diligence (EDD) for high-risk customers
    • Simplified due diligence where permitted

    Transaction monitoring and reporting

    • AML transaction monitoring framework setup
    • Suspicious activity reporting (SAR)procedures
    • AML controls design and testing
    • Compliance monitoring programme development
    • Internal AML audit and review
    • FCA AML audit preparation support

    Sanctions and financial crime

    • Financial sanctions compliance framework
    • Sanctions screening system implementation
    • Fraud prevention controls and advisory
    • FATF compliance readiness and gap analysis
    • Financial crime investigation support
    • Regulatory remediation programmes

    Why choose Acumen Global Compliance Ltd for AML consulting in the UK?

    When it comes to AML framework consulting in the UK, expertise and track record matter enormously. Here’s why regulated businesses across London, Manchester, Birmingham, and beyond choose Acumen Global Compliance Ltd:

    15+ years of direct AML experience

    Our founder has personally supported 250+ successful FCA and HMRC applications — including complex AML frameworks for MSBs, crypto firms, and cross-border payment providers.

    Professional certifications

    APCC, ACPA, AICA, ACSI, ICA, and CISI. Our credentials demonstrate the highest standards of AML and regulatory compliance expertise in the UK.

    International AML expertise

    We understand 15+ cross-border remittance corridors providing culturally informed AML advisory for firms serving Bangladeshi, Pakistani, Nigerian, and global communities.

    No enterprise-level fees

    Practical, transparent AML consulting without the inflated price tags. Our packages are designed for fintech startups, MSBs, and growing payment firms.

    Client Case Study: MSB in East London Achieves HMRC AML Readiness

    Here is an example of how we’ve helped a real type of client representative of the work we carry out regularly:

    The Challenge

    A remittance business operating near Whitechapel, East London, received an HMRC supervisory review notice. Their existing AML documentation was outdated, lacked a formal risk-based AML approach, and had no structured suspicious activity reporting procedure in place.

    Our Solution

    Acumen Global Compliance conducted a full compliance risk assessment, rebuilt their AML policy from the ground up, designed AML onboarding procedures with proper source of funds checks and PEP screening, and implemented a compliance monitoring programme with clear staff responsibilities.

    The Result

    The client passed their HMRC supervisory review with no material findings. Staff AML awareness improved significantly, and the business now operates with a fully documented, audit-ready AML governance framework that meets Money Laundering Regulations UK requirements.

    Ready to build a robust AML framework in the UK?

    Whether you’re starting from scratch or fixing gaps ahead of an FCA review, Acumen Global Compliance Ltd delivers expert AML framework consultancy across the UK. London-based, internationally experienced, and commercially focused.

    Get your free AML consultation today with no obligation, no jargon, just expert guidance.

    Book Free Consultation
    +44 207 096 2100

    FAQs

    Frequently Asked Questions

    Yes. AML compliance is mandatory under the Money Laundering Regulations 2017 for all businesses classified as “relevant persons”, including banks, payment institutions, MSBs, crypto firms, e-money institutions, and many professional services firms. Failure to comply can result in unlimited fines, business closure, and criminal prosecution under UK law.

    AML penalties in the UK can be severe. The FCA has issued fines exceeding £100 million for serious AML failures. Individual directors can face unlimited fines and up to 14 years imprisonment. HMRC can also issue civil penalties and revoke MSB registrations. Reputational damage is often as damaging as financial penalties for regulated firms.

    FATF (Financial Action Task Force) readiness means your firm’s AML controls, risk assessments, and governance framework meet the international standards set by FATF, the global body for combating money laundering and terrorist financing. UK firms operating cross-border must align with FATF recommendations to maintain regulatory standing, avoid grey-listing risk, and satisfy FCA expectations.

    AML consulting costs in the UK depend on the scope. A full AML framework typically ranges from £2,500 to £12,000+. Ongoing AML compliance retainers start from approximately £500 per month. Acumen Global Compliance offers commercially practical packages designed for MSBs, fintech startups, and payment firms — without enterprise-level pricing. Contact us for a tailored quote.

    AML compliance in the UK is required by banks, payment institutions, e-money firms, MSBs, crypto asset businesses, fintech companies, solicitors, accountants, estate agents, trust and company service providers, and high-value dealers. If your firm handles financial transactions, stores customer funds, or provides payment services, AML obligations almost certainly apply to you.

    UK crypto firms must register with the FCA under the Money Laundering Regulations and implement a full AML framework, including customer due diligence, wallet screening, transaction monitoring, PEP and sanctions checks, and suspicious activity reporting. They must also comply with FATF’s Travel Rule for crypto asset transfers. Acumen Global Compliance provides specialist crypto AML advisory across the UK.

    Authorisations

    Navigating Governance, Mitigating Risk, Ensuring Compliance.
    APCC Member — Recognised by the Financial Conduct Authority

    Authorisations

    FCA Payments & E-Money
    Banking & Licences
    Consumer & Credit
    Crypto & Open Banking

    Compliance Support

    Regulatory Compliance
    Governance (SMCR)
    Consumer Protection
    Data & Privacy
    Advisory & Resourcing
    Training & AI

    KYC / AML Services

    AML Framework
    KYC & Due Diligence
    Monitoring & Reporting
    Sanctions & Screening
    Remediation
    AML Training

    Financial Crime & Audit

    Investigations (HMRC)
    Sanctions & Fraud
    Audit Services
    Crypto & EU

    Risk & Prudential

    Capital & Liquidity
    Risk & Resilience
    Risk Reporting
    Assurance (SOC)
    Strategy & Advisory

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