Navigate AML Regulations With Confidence
In a Better Regulated Financial Environment
If your business falls under the Prevention of Money Laundering Act (PMLA), compliance isn’t optional—it’s critical. From maintaining robust KYC and onboarding practices to reporting suspicious transactions, your systems must prove proactive due diligence.
At CA Lekshmi & Associates, we help you build and maintain an AML compliance system that’s not only regulator-ready but practical for your team. Whether you’re in real estate, finance, fintech, or precious metals, we provide industry-specific solutions that cover policy, training, internal controls, and FIU-IND obligations.
Don’t risk your license or reputation—get AML-ready with expert support.
AML Compliance Services We Offer
Gap Assessment & Risk Mapping – Review your current systems, risks, and AML gaps
Policy Drafting & Staff Training – Implement policies with employee role definitions and ongoing workshops
KYC & Onboarding Systems Setup – Digital or manual workflows for identity, source-of-fund, and client risk profiling
Internal Reporting Framework – Escalation steps, transaction red flags, and internal audit checklists
FIU-IND Reporting & Record-Keeping – Set up compliance calendars and reporting formats (STR, CTR, NTR)
Includes checklists, SOPs, document templates, and ongoing compliance reviews.
We Build Practical, Audit-Proof Compliance Systems
Failing to comply with AML requirements can lead to legal action, financial penalties, and reputational loss. With increased regulatory scrutiny and technological advancement in fraud, proactive AML adherence isn’t optional—it’s essential. We help design systems that are practical, repeatable, and defendable.
Compliance workflows aligned with your operations
AML Risk Assessment
Identify areas of exposure in business structure and client flow.Policy Drafting & Documentation
Create or refine your AML Policy, Client Due Diligence (CDD), and Enhanced Due Diligence (EDD) practices.FIU-IND Preparedness
Align internal reports and logs with FIU-IND’s expectations for suspicious transaction reporting (STR).Staff Training Modules
Equip relevant teams to identify red flags and comply with AML workflows.Ongoing Compliance Monitoring
Implement continuous updates and periodic internal reviews.
Building Compliance Into Everyday Operations
Real Estate & Property Firms
Set up KYC for buyers, sellers, and brokers. Prepare audit-ready reporting files.
Jewelry Retailers & Wholesalers
Train staff to flag unusual purchases and manage identity verification.
FinTechs & Loan Apps
Automated risk profiling, KYC flows, and transaction flagging dashboards.
Professional Firms
AML workflows integrated into onboarding and case intake.
AML Compliance for Businesses FAQs
Common questions about income tax, compliance, and litigation support in India.
Is AML compliance required for all businesses?
Only specific sectors are mandated under PMLA, but as transaction size and customer risks increase, even unregulated businesses can benefit from proactive systems.
How often do we need to submit reports to FIU-IND?
Reports like STRs (Suspicious Transaction Reports) and CTRs (Cash Transaction Reports) must be filed as per frequency guidelines—monthly, quarterly, or on occurrence.
Can you train our team on AML obligations?
Yes. We provide session-based training, e-handbooks, and SOPs customized for your business roles.
Is this a one-time setup or an ongoing process?
AML compliance is continuous. We offer annual support plans, periodic reviews, and updates to policies when regulations change.
