# What are three types of money laundering?

**URL:** <https://www.amlfaqs.com/t/what-are-three-types-of-money-laundering/749>\
**Category:** UAE\
**Tags:** aml\
**Created:** [March 5, 2026, 12:21pm UTC](https://www.amlfaqs.com/t/what-are-three-types-of-money-laundering/749 "2026-03-05T12:21:03Z")\
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**Author:** ![pathik](https://yyz2.discourse-cdn.com/flex010/user_avatar/www.amlfaqs.com/pathik/32/5_2.png) [@pathik](https://www.amlfaqs.com/u/pathik)\
**Post date:** [March 5, 2026, 12:21pm UTC](https://www.amlfaqs.com/t/what-are-three-types-of-money-laundering/749/1 "2026-03-05T12:21:03Z")

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What are three types of money laundering?

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**Author:** ![pathik](https://yyz2.discourse-cdn.com/flex010/user_avatar/www.amlfaqs.com/pathik/32/5_2.png) [@pathik](https://www.amlfaqs.com/u/pathik)\
**Post date:** [March 5, 2026, 12:25pm UTC](https://www.amlfaqs.com/t/what-are-three-types-of-money-laundering/749/2 "2026-03-05T12:25:20Z")

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Common money laundering typologies include:

1. **Structuring/smurfing** : Breaking transactions into smaller amounts to avoid detection.
2. **Trade‑based money laundering (TBML)**: Misuse of invoices, over/under‑invoicing, phantom shipments or multiple invoicing to move value.
3. **Use of shell companies and nominees** – Layering ownership through corporate vehicles, UBO concealment and third‑party payments.

In the UAE, these typologies are addressed through KYC/CDD and UBO verification, PEP/adverse media screening, sanctions and watchlist screening, transaction monitoring, and escalation to STR/SAR via goAML as required by [Federal Decree‑Law No. (10) of 2025](https://uaelegislation.gov.ae/en/legislations/3314/download) and Cabinet Resolution No. (134) of 2025.