Anti-money laundering policy

It is free to fill in online and needs no account. The finished Word document and PDF cost €4.99, paid once. See all Policies and terms templates

• Company name

  For example: Harbour Property Partners Ltd

• What the business does

  For example: Estate agency and property sales

• Country or regulator whose rules apply (optional)optional

  For example: The financial regulator in the country where we are registered

• Person in charge of this policy

  Often called the money laundering reporting officer.

  For example: Elena Petrova, Compliance Officer

• How the business rates risk

  Spend more effort where the risk is higher. Many places expect this.

  For example: Each customer is rated low, medium or high when work starts, using the country, the type of customer, how they pay and the size of the deal. High risk customers need extra checks and the Compliance Officer's approval. Ratings are reviewed at least once a year.

• Where money laundering could touch the business

  One risk per line.

  For example: Large cash payments Buyers using companies in other countries Payments from people who are not the customer

• Customer checks before work starts

  One check per line.

  For example: Identity document of every customer Proof of address Who owns a company customer Where the money comes from, for large deals

• Sanctions and politically exposed people

  Politically exposed people hold, or recently held, senior public jobs, and so do their close family. Check which lists apply to you.

  For example: Before work starts and every year, we check each customer and the owners of company customers against the sanctions lists that apply to us and against lists of politically exposed people. A match goes to the Compliance Officer. We do not take the customer, or we stop work, until it is cleared.

• Red flags staff must report

  For example: Customer will not say where money comes from Payment is much more than the price Deal makes no business sense Customer is in a hurry and avoids questions

• Cash limit (optional)optional

  Leave empty if you take no cash.

  For example: EUR 1,000 per transaction

• How a suspicion is reported

  For example: Tell the Compliance Officer the same day, in writing. Do not tell the customer. The Officer decides whether to report to the authority.

• Years records are kept

  Check the minimum in your local rules.

  For example: 5

• Approved by

  The senior person or body that approved this policy.

  For example: The board of directors, 14 April 2027

• Staff training

  For example: On joining and every year

• Effective from

  For example: 1 May 2027

• Next review (optional)optional

  For example: 1 May 2028

1. 1Purpose
2. 2Who must follow it
3. 3Our risk based approach
4. 4Where the risk is
5. 5Checks on customers
6. 6Sanctions and politically exposed people
7. 7Cash
8. 8Red flags
9. 9Reporting a suspicion
10. 10Records
11. 11Training
12. 12Responsibility

1. 01

   Fill in

   Type your details in the form. The document fills itself in as you type; click any gap to jump to its field.

2. 02

   Check

   Read it through. Gaps you have not filled stay marked, so nothing goes out half done.

3. 03

   Download

   Pay once and get it as a Word document to edit further and as a PDF to send or print. The link comes by email too.

What details does this template ask for?

The form asks for 16 details, starting with Company name, What the business does, Person in charge of this policy, How the business rates risk, Where money laundering could touch the business. 3 more are optional.

How much does this template cost?

€4.99, paid once. Filling it in and seeing the first part is free. You pay when you download the finished Word document and PDF, with no account and no subscription. Every paid nerix plan includes it.

Can I download this template as Word or PDF?

Yes. When you have filled in the form, press Download and pay once. You get the finished document as a Word file to keep editing and as a PDF to send or print, and the link by email.

Is what I type sent anywhere?

While you fill it in, what you type stays in your browser. When you buy the document, your answers go to nerix to make your files. They are kept for seven days so you can download again, then deleted.

What should I check before I use this template?

Whether your business must have an AML programme, which checks are required and who you must report to are set by law in each country and sector. This template is a starting point, not legal advice. Check the rules that apply to you.

Are these policy templates free?

Most are. Fill in and download them for free, with no account. A few longer policies are premium: free to fill in, paid once to download, and marked with their price.

Does a privacy notice make my website compliant?

No document alone does. A notice must match what your site really does with data, and the law depends on where your visitors are. Use the template as a base and check the rules that apply to you.

Where should I publish a policy?

Put it on its own page and link to it from your footer and from the checkout, so customers can find it before they pay.

How often should I update a policy?

Whenever your practice changes, and at least once a year. Put the date on the page so people know which version applies.

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