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I will write your aml kyc compliance policy for msbs
MSB Registration and AML Compliance UK, US and Canada
I'm Regina Almo, a Certified Accounting Technician. I specialise in MSB registration, AML compliance programs, and financial regulatory filings for fintech startups and payment businesses across the U...
À propos de ce service
Registered as an MSB but still don't have a written AML program? That's the part regulators actually check and the part most businesses get wrong.
I'm a Certified Accounting Technician with direct experience drafting AML/CTF compliance programs for fintech startups, crypto businesses, and cross-border payment companies across the UK, US, and Canada.
What's included in Standard: AML/CTF policy document Risk assessment covering clients, products, and geography KYC onboarding procedures and due diligence checklist SAR/CTR filing guidance with internal escalation flowchart Compliance officer responsibilities section
Everything is tailored to your actual business not a template with your name swapped in. A remittance business serving West Africa has a different risk profile than a crypto OTC desk serving European retail clients. I write accordingly.
HMRC fined a one-person bureau de change £30,000 in 2024 for AML failures. FinCEN has no minimum size threshold for enforcement.
Need both registration and a compliance policy? Message me for a bundle.
Order now and get a policy that actually holds up.
Type de document:
Documentation
•
Documents réglementaires
Secteur:
Business et finance
Langue:
Anglais
Préférence du type de livraison
Veuillez informer le freelance de toute préférence ou préoccupation concernant l'utilisation d'outils d'IA dans la réalisation et/ou la livraison de votre commande.
FAQ
What jurisdictions do you cover?
I write AML/CTF policies for FinCEN (US), HMRC (UK), and FINTRAC (Canada). If you operate in multiple jurisdictions, the Premium package covers two. For EU AML under AMLD6, message me for a custom quote.
What's the difference between an AML policy and an AML program?
A policy is the written document stating your rules and principles. An AML program is the full operational framework policies, risk assessment, KYC procedures, employee training records, internal audit plan, and compliance officer appointment. Regulators require the program, not just the policy.
Can you write this for a crypto/blockchain business?
Yes. Crypto businesses have specific AML requirements including blockchain transaction monitoring, wallet verification procedures, and enhanced due diligence for high-risk counterparties. I factor these into the risk assessment and KYC sections.
Will my bank accept this document?
Most MSB-friendly banks in the UK and US want to see a written AML policy during onboarding. A professionally drafted compliance program significantly improves your chances of getting and keeping a business banking account. I can't guarantee bank approval, but I've seen this be the deciding factor.
Do you tailor the policy to my specific business or is it a template?
It's tailored. Before I start writing, I'll ask about your services, client types, transaction volumes, and geographic exposure. A remittance business serving East Africa has a different risk profile than a crypto OTC desk serving European retail clients.
What if my regulator requests updates after I receive the policy?
All packages include revisions for any regulatory feedback you receive within 60 days of delivery. If HMRC or FinCEN asks you to update specific sections, I'll make those changes.
Does the policy include the transaction monitoring thresholds?
The Standard package includes standard thresholds aligned to regulatory guidance. The Premium package includes customised thresholds based on your transaction volumes and client risk profile, which is what examiners actually want to see.
Is a compliance officer required and can I be my own?
Yes, you can appoint yourself as compliance officer. For small businesses, this is common. The AML program will include the compliance officer job description and responsibilities section, which you sign as part of the program.
How long is the policy document?
Typically 20–35 pages for the Standard package, depending on your business complexity. The risk assessment adds another 10–15 pages. It reads like a working document, not a regulatory submission your staff should be able to follow it.
Do you provide training materials as well?
Employee AML training materials are available as a gig extra. Message me and I'll quote separately it's usually an additional $75–$100 for a basic training guide your team can work through.
