Navigate AML Compliance With Confidence
In a Better Regulated Financial Environment
If you operate in a regulated industry—real estate, jewelry, fintech, or consulting—you need a well-defined Anti-Money Laundering (AML) Policy. It’s not just a compliance checkbox under PMLA, it’s a blueprint for risk detection, internal controls, and staff accountability.
At CA Lekshmi & Associates, we design AML policies that are tailored to your business structure, transaction volume, and risk exposure. Our documentation includes due diligence processes, KYC protocols, transaction monitoring, escalation workflows, and reporting mechanisms aligned with FIU-IND and PMLA standards.
Stay prepared for audits, inspections, and internal checks with a professionally drafted, regulator-ready AML Policy.
AML Policy Services We Offer
Risk-Based AML Framework Design – Based on your industry, client base, and operational risks
Custom AML Policy Drafting – Includes KYC, onboarding, red flag indicators, and record retention guidelines
Transaction Monitoring Setup – Escalation triggers, internal controls, and staff responsibilities
Internal Compliance Procedures – Reporting timelines, audit checkpoints, and department roles
Regulator-Ready Formatting – Policies aligned with FIU-IND, SEBI, RBI, and other authority formats
Includes editable policy documents, SOPs, employee declarations, and compliance calendars.
We Build Policies That Protect and Perform
A well-drafted AML policy ensures your business is not only compliant but also resilient. From customer due diligence to suspicious transaction reporting, clarity in policy builds operational confidence and regulator trust.
Practical, risk-sensitive, and regulator-ready
Risk Assessment Mapping
Identify business-specific AML risks and customer profiles.Policy Drafting
Frame procedures covering due diligence, record-keeping, escalation, and reporting.Integration with Existing Processes
Align the policy with KYC, onboarding, audit, and IT systems.Review & Approval
Guide you on internal review procedures and board approvals.Ongoing Support
Offer updates, training, and revision support post-regulatory updates.
Building Control for Regulated Sectors
Real Estate
Red flag detection for layered transactions and property flipping.
Business
Source-of-funds verification and staff escalation protocols.
FinTech & NBFCs
Automated transaction monitoring and suspicious activity workflows.
Professional Firms
Confidential KYC, onboarding, and third-party risk control.
AML Policy Formulation FAQs
Common questions about income tax, compliance, and litigation support in India.
Is an AML policy mandatory for my business?
Yes, if you’re classified as a reporting entity under PMLA or work in a high-value transaction sector. We help you confirm your requirement and build a compliant policy.
What should an AML policy include?
A complete AML policy includes KYC norms, risk categories, transaction monitoring rules, escalation systems, and recordkeeping standards.
How often should the AML policy be updated?
At least annually, or whenever there is a change in business operations, regulatory updates, or FIU reporting expectations.
Do you help implement the policy internally?
Yes. We offer training guides, SOPs, and help you integrate the policy into your HR, finance, and sales processes.
