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
Custom AML policies successfully implemented
Compliant with FIU-IND expectations and audit-ready
Client Impact
“Our high-value real estate transactions put us under regulatory pressure. CA Lekshmi’s AML Policy covered every risk area, and we passed our internal audit with no flags raised.”
— Anju R., Compliance Officer, Realty Group, Kochi
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.
