# Anti-Money Laundering Policy Template Source: https://nerix.ai/templates/anti-money-laundering-policy Buy to download This page shows a preview. Buy the document on nerix.ai to download it as Word and PDF and print it. https://nerix.ai/templates/anti-money-laundering-policy # Anti-money laundering policy Set out how your business spots and reports money laundering: checks, red flags, reporting and records. Before you send it 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. ## Fill it in and preview You are signed in. Fill it in your workspace and it is kept as a document you can send, share and have signed. [Open in your workspace](https://app.nerix.ai/documents/templates/anti-money-laundering-policy) **€4.99, pay once, Word and PDF** Included in every paid nerix plan. ### Anti-money laundering policy **Company:** Harbour Property Partners Ltd **Business:** Estate agency and property sales **Rules that apply:** The financial regulator in the country where we are registered **Compliance officer:** Elena Petrova, Compliance Officer **Approved by:** The board of directors, 14 April 2027 **Effective from:** 1 May 2027 **Next review:** 1 May 2028 ## Purpose Harbour Property Partners Ltd will not be used to hide or move money from crime. This policy tells everyone who works for us what to check, what to look out for and what to do when something seems wrong. ## Who must follow it All employees, directors, contractors and agents of Harbour Property Partners Ltd . ## Our risk based approach 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 the risk is Checks on customers Sanctions and politically exposed people Cash Red flags ⁦2 / 2⁩ The full document unlocks when you download The rest is written and waiting, with your answers in place. Templates are a careful starting point, not legal advice. Where the law matters, check what applies where you are. Policies and terms ## What this template is for An anti-money laundering (AML) policy for a business: risk approach, customer checks, red flags, reporting suspicions, records and training. Free to fill in. 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](https://nerix.ai/templates/policies) Policies and terms ## What you fill in The form asks for 16 details. The document fills itself in as you type. - ### 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 Policies and terms ## What is inside The parts of this document, in order. - 1 Purpose - 2 Who must follow it - 3 Our risk based approach - 4 Where the risk is - 5 Checks on customers - 6 Sanctions and politically exposed people - 7 Cash - 8 Red flags - 9 Reporting a suspicion - 10 Records - 11 Training - 12 Responsibility Templates ## How it works - 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. - 02 ### Check Read it through. Gaps you have not filled stay marked, so nothing goes out half done. - 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. ### Was this template helpful? Policies and terms ## Questions people ask ### 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. Templates ## More in Policies and terms - [Cookie policy Tell visitors which cookies your website uses, why, and how they can control them. Policies and terms](https://nerix.ai/templates/cookie-policy) - [Returns and refund policy Tell customers how long they have to return, how to do it and when they get their money. Policies and terms](https://nerix.ai/templates/returns-and-refund-policy) - [Terms and conditions of sale Set out how customers order, pay, receive goods, cancel and complain. Policies and terms](https://nerix.ai/templates/terms-and-conditions-of-sale) - [Terms of use for an app Set the rules for using your app: accounts, acceptable use, content, payments, liability and changes. 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