What AML training is required for staff at a UAE real estate brokerage?
Every UAE real estate brokerage must run an AML/CFT/CPF training programme for all relevant staff. Training must be mandatory at induction for every new hire, and refreshed periodically (commonly annually) for existing staff. It must be tailored to the role, so that brokers, agents, accounting staff, IT, marketing and senior management each receive content that matches their day-to-day exposure to money laundering risk.
Core content must cover the new AML Law and Executive Regulations, the DNFBP framework, the AED 55,000 cash trigger and virtual-asset triggers for REAR, customer due diligence and EDD, beneficial owner identification, PEP screening, sanctions and TFS obligations, suspicious transaction indicators specific to real estate, the goAML reporting workflow, the tipping-off prohibition, and the firm’s internal escalation channels. Effectiveness must be assessed through tests, attendance records and management reporting. The training programme, attendance logs and assessment results must be retained for the full five-year period and made available to the supervisor on request.
Legal Reference (UAE):
- Cabinet Resolution No. 134 of 2025, Article 21 requires periodic training programmes as part of internal AML controls; Article 22 makes the Compliance Officer responsible for delivery and oversight.
- Federal Decree-Law No. 10 of 2025, Article 19 mandates internal policies, procedures and controls.
For more details, consult the full text of Cabinet Resolution 134 of 2025 or seek guidance from your AML compliance officer.