AML Policy Drafting
Regulatory-grade AML/CFT policy documents tailored to your business model
Overview
A well-drafted AML policy is the cornerstone of PMLA compliance. Estabizz drafts, reviews and updates AML/CFT policy documents that are regulator-ready, operationally practical and calibrated to your specific business model — whether you are an NBFC, payment aggregator, insurance entity, stockbroker or fintech platform.
What We Offer
How It Works
Business Model Review
Understand your products, customer segments, geographies and distribution channels to calibrate the policy.
Regulatory Mapping
Map applicable PMLA Rules, sector-specific master directions (RBI/SEBI/IRDAI) and FATF guidance.
Draft & Review
Prepare first draft, share with your compliance/legal team, incorporate feedback and produce a final Board-ready version.
Board Adoption Support
Prepare Board note and resolution language; update policy schedule with version control.
Documents Required
- Business model overview (products, geographies, customer types)
- Existing AML policy (if being revised)
- Organisational chart — compliance and senior management
- Regulator-specific licence/registration details
Frequently Asked Questions
Is a separate CFT policy required or can it be part of the AML policy?+
Both approaches are acceptable. A combined AML/CFT policy is common and acceptable to regulators; some large entities maintain a separate CFT annex.
Does the Board need to formally approve the AML policy?+
Yes. Under PMLA Rules and most sector-specific directions, the AML/KYC policy must be approved and periodically reviewed by the Board.
Can the same policy apply to multiple regulated entities in a group?+
A group-level policy can set minimum standards, but each regulated entity typically needs its own adopted version reflecting its specific licence and customer base.
AML Policy Drafting — Start Today
Regulatory-grade AML/CFT policy documents tailored to your business model
Book a Free Consultation →