Anti-Money Laundering (AML/CFT) template
Anti-Money Laundering and Counter-Terrorism Financing compliance programs. Covers FATF 40 Recommendations, regional AML legislation, KYC/CDD, and suspicious activity reporting.
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An anti-money-laundering and counter-terrorism-financing policy sets out how an organisation prevents, detects, and reports money laundering and terrorist financing. It defines the risk-based controls and responsibilities staff must follow. A robust policy supports compliance and protects the business from abuse.
Who needs one: Regulated businesses and others exposed to money-laundering and terrorist-financing risk.
What a strong anti-money laundering (aml/cft) covers
- Risk-based approach and business-wide risk assessment
- Customer due diligence and beneficial ownership checks
- Enhanced due diligence and sanctions screening
- Ongoing monitoring of customers and transactions
- Suspicious activity reporting and tipping-off rules
- Record-keeping, training, and the compliance officer’s role
Regulations and frameworks this aligns to
PolicyKit references the standards relevant to your jurisdiction when it generates your anti-money laundering (aml/cft).
- FATF
- The Financial Action Task Force, the intergovernmental body that sets international standards to combat money laundering and terrorist financing.
- FinCEN
- The US Financial Crimes Enforcement Network, the bureau that administers anti-money-laundering rules and collects financial intelligence.
- AUSTRAC
- The Australian Transaction Reports and Analysis Centre, the national financial intelligence agency and regulator for anti-money-laundering and counter-terrorism financing.
- MAS AML/CFT
- Anti-money-laundering and counter-terrorism-financing requirements issued by the Monetary Authority of Singapore for regulated financial institutions.
- HMRC Anti-Money Laundering Supervision
- HMRC’s role as anti-money-laundering supervisor for certain business sectors not regulated by another supervisory authority.
Frequently asked questions
What should a anti-money laundering (aml/cft) include?
A robust anti-money laundering (aml/cft) sets out scope, roles and responsibilities, the specific controls or procedures involved, and how compliance is monitored and reviewed, mapped to frameworks like fatf, fincen, austrac. PolicyKit structures all of this automatically based on your business.
Is this legal advice?
No. PolicyKit generates AI-assisted professional templates and starting points, not legal advice. Every document should be reviewed with qualified legal and compliance counsel before use.
Can I tailor it to my country?
Yes — PolicyKit tailors each document to your jurisdiction, including UK, EU, United States, Australia, Singapore, Hong Kong and more.
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