Compliance

PMLA Compliance Advisory

Build a robust AML/CFT compliance framework aligned with PMLA requirements

Get Started← All FIU-IND & AML Services

Overview

Compliance under the Prevention of Money Laundering Act (PMLA) goes beyond registration — it requires a living framework of policies, procedures, systems and governance. Estabizz helps regulated entities design, implement and maintain an effective AML/CFT compliance programme that satisfies PMLA obligations, regulator expectations and FATF standards.

What We Offer

✓Comprehensive AML/CFT compliance programme design
✓Customer Due Diligence (CDD) and Enhanced Due Diligence (EDD) framework
✓Suspicious Transaction Report (STR) and Cash Transaction Report (CTR) procedures
✓Board-level AML governance structure and compliance committee charter
✓Transaction monitoring rules and red-flag indicator library
✓Annual AML audit and gap assessment

How It Works

1

Gap Assessment

Review your existing policies and procedures against PMLA Rules, RBI/SEBI master directions and FATF 40 Recommendations.

2

Framework Design

Draft or revise KYC/AML policy, CDD SOP, STR escalation matrix and record-keeping procedures.

3

Implementation Support

Train your compliance and operations teams; configure reporting workflows and transaction monitoring thresholds.

4

Ongoing Advisory

Quarterly policy reviews, regulatory update briefings and pre-inspection readiness reviews.

Documents Required

  • Existing KYC/AML policy (if any)
  • Regulatory licence and registration details
  • Organisation chart with compliance function
  • Sample customer onboarding forms and CDD records
  • Previous AML audit report (if any)

Frequently Asked Questions

What is the difference between KYC and AML compliance?+

KYC (Know Your Customer) is the customer identification and verification process. AML (Anti-Money Laundering) is the broader framework that includes KYC plus transaction monitoring, suspicious activity reporting and record-keeping.

How often should the AML policy be reviewed?+

At minimum annually, and whenever there is a material change in business model, regulatory guidance, or a new FATF/FIU-IND circular.

What are STR and CTR filing deadlines?+

STRs must be filed within 7 days of determining a transaction is suspicious. CTRs (cash transactions ≥ ₹10 lakh or equivalent) must be filed by the 15th of the following month.

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Build a robust AML/CFT compliance framework aligned with PMLA requirements

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