AML

也称为

• 反洗钱和反恐怖融资（AML/CFT）
• AML/CFT制度
• 反洗钱
• 反洗钱

属性

是什么

主要特点

法律依据

2018年第20号联邦法令 + 2019年实施条例

范围

所有金融机构 + 5类DNFBP

监管机构

经济部（DNFBP）；中央银行（金融机构）；金融情报机构（负责SARs）

平台

goAML（阿联酋金融情报机构）

罚款

每次违规50,000–1,000,000+迪拉姆

运作方式

1. 在goAML平台注册实体。2. 进行涵盖客户、地理、产品和渠道风险的企业风险评估。3. 批准一项针对评估风险量身定制的反洗钱政策和KYC程序。4. 在客户入职和触发事件时对每位客户进行KYC + UBO检查。5. 监控交易；当出现危险信号时，通过goAML提交SAR/STR报告。6. 每年培训员工，并在发生重大变化时更新风险评估。

AML 的类型

示例

重要性

常见误解

• 误解

  AML 仅适用于银行。

  实际情况

  DNFBPs（审计师、律师、企业服务提供商、经纪人、贵金属经销商）明确属于监管范围，并占近期罚款的大部分。

• 误解

  一旦 goAML 注册完成，您就符合规定了。

  实际情况

  注册是第一步。风险评估、政策、持续性 KYC、监控、培训和 SAR 申报才是监管机构实际检查的内容。

常见问题

谁必须在 goAML 上注册？

阿联酋所有金融机构和所有 DNFBP。五类 DNFBP 包括房地产经纪人/代理商、贵金属和宝石经销商、审计师、律师/公证人/法律专业人士以及企业服务提供商。

未制定 AML 政策的罚款是多少？

根据经济部的罚款细则，缺失或不充分的 AML 政策将面临 50,000 迪拉姆起的行政处罚，重复或严重违规行为可达 100 万迪拉姆，并可能暂停执照。

我需要一个单独的 AML 官员吗？

是的，DNFBP 必须指定一名反洗钱报告官（MLRO），负责 SAR 申报、培训和与监管机构联络。MLRO 可以是具有相关权限的现有高级员工，但其角色和职责必须正式书面记录。

另请参阅

• ESR(Economic Substance Regulations)
• UBO(Ultimate Beneficial Owner)
• goAML
• KYC(Know Your Customer)
• AML & ESR Compliance(Best Solution 服务)

为更好地理解，另请参阅

• How to Open a Dubai Bank Account: What Banks Want(post)
• Your Strategic Advantage: Why AML Compliance Service in UAE is Your Best Business Investment(post)
• Business License Rejection in Dubai: The Real Reasons and How to Fix It(post)
• Certificate of Incorporation in UAE: What It Is, What It Costs, and How to Get It(post)
• Tax Structuring in the UAE: Five Corporate Tax Decisions to Get Right at Incorporation(insight)
• Hidden Costs of Business Setup in Dubai: The Full 2026 Picture (Beyond the Licence Fee)(insight)
• How to Get a Trading License in Dubai: Costs, Types, and the Real Setup Process(post)
• How to Set Up a Subsidiary Company in the UAE(post)
• Tax Registration in Dubai: VAT, Corporate Tax & TRN Guide (2026)(post)
• LLC Company Formation in Dubai: Cost, Steps and Ownership Rules (2026)(post)
• How to Start a Jewellery Business in Dubai: Licences, Costs and Setup (2026)(post)
• 21 Company Formation Mistakes to Avoid in Dubai (2026 Guide)(insight)
• How to Start a Real Estate Company in Dubai: License, Cost, and the RERA Sequence (2026)(post)
• 21 Company Formation Mistakes to Avoid in Dubai (2026 Guide)(insight)
• Tax Structuring in the UAE: Five Corporate Tax Decisions to Get Right at Incorporation(insight)
• Hidden Costs of Business Setup in Dubai: The Full 2026 Picture (Beyond the Licence Fee)(insight)
• DMCC Gold Trading Licence: Diamonds & Good Delivery(post)
• Business License Rejection in Dubai: The Real Reasons and How to Fix It(post)
• How to Start a Real Estate Company in Dubai: License, Cost, and the RERA Sequence (2026)(post)
• How to Set Up a Subsidiary Company in the UAE(post)
• LLC Company Formation in Dubai: Cost, Steps and Ownership Rules (2026)(post)
• LLC Company Formation in Dubai: Cost, Steps and Ownership Rules (2026)(post)
• Anti-Money Laundering (AML) in the UAE: A 2026 Compliance Guide for DNFBPs(post)
• How to Get a Trading License in Dubai: Costs, Types, and the Real Setup Process(post)
• Tax Registration in Dubai: VAT, Corporate Tax & TRN Guide (2026)(post)
• Certificate of Incorporation in UAE: What It Is, What It Costs, and How to Get It(post)
• How to Start a Jewellery Business in Dubai: Licences, Costs and Setup (2026)(post)
• DMCC Business Setup Services: Your JLT Licence, Handled(post)
• DMCC Bank Account: Highest Acceptance Rate in 2026(post)
• DMCC Crypto Centre: VARA Licence Setup in Uptown Tower(post)
• IFZA Free Zone: Budget Dubai Licences in Silicon Oasis(post)
• Umm Al Quwain Trade Licence Check: UAQ DED Verify 2026(post)
• Umm Al Quwain Trade Licence Check: UAQ DED Verify 2026(post)
• Umm Al Quwain Trade Licence Check: UAQ DED Verify 2026(post)

来源

• UAE Ministry of Economy — AML/CFT
• Federal Decree-Law No. 20 of 2018
• UAE Financial Intelligence Unit (goAML)

外部参考资料

• Wikipedia
• fatf-gafi.org
• Wikidata
• Wikipedia