goAML Registration UAE

goAML is an electronic reporting solution developed by the UNODC used by the UAE Financial Intelligence Unit (FIU) to collect, analyze, and disseminate financial intelligence on suspected money laundering and terrorist financing. Registration is legally mandatory for all UAE DNFBPs.

All eligible DNFBPs were required to register immediately following the enactment of UAE Federal Law. New businesses engaging in DNFBP activities must register on goAML immediately upon obtaining their commercial trade license.

Failure to register on the goAML portal attracts a mandatory administrative penalty of AED 50,000 under Cabinet Decision No. (16) of 2021, along with potential license suspension.

SACM (Services Access Control Management) is the security gateway layer that manages user authentication and generates 2FA passwords. goAML is the actual reporting platform accessed once SACM authentication is completed.

Required documents include: commercial trade license, Memorandum of Association (MOA), passport and Emirates ID of the authorized signatory, passport and Emirates ID of the MLRO, and a signed MLRO authorization letter on company letterhead.

For small sole proprietorships or micro-enterprises with limited staff, the owner or general manager may register as the MLRO. However, larger corporate entities are recommended to appoint a dedicated compliance professional.

Initial SACM setup and application submission take 1 to 2 business days. The UAE FIU typically reviews and approves applications within 3 to 7 business days, provided all uploaded documentation is accurate.

Upon approval, the MLRO must regularly log in to review FIU circulars and notifications, conduct daily screening against updated UAE Sanctions Lists, and report any suspicious transactions without delay.