Know your customer
KYC forms for individuals and companies, with the client's declaration and two signatures, and every beneficial owner: anyone who owns 25% or more or controls the company in another way.
UAE · AML compliance
Run your AML checks in one place, and prepare your goAML report data.
Customer checks, sanctions screening, risk scoring and REAR report data for UAE companies. Use it as a standalone module without the CRM, or as part of the complete Optavon system.
No payment details. The goAML XML file is not available in the trial (it is coming soon on every plan); the report preparation pack (PDF / CSV) is.
At sign-up, choose the UAE, then «AML compliance only».
What it does
Sanctions screening
Checks against the UN list and the UAE Local Terrorist List, both loaded automatically every day, with Arabic and transliterated name matching. When a list changes, clients are re-screened.
Targeted financial sanctions Coming soon
For a confirmed match, freeze at once and without prior notice (no later than 24 hours), and track the CNMR; for a partial match, suspend and track the PNMR. Both reports are due on goAML within five business days.
Risk and red flags
A risk score for each client, a red-flag checklist on every file, and senior management approval for every PEP.
REAR alerts
Alerts when a client pays AED 55,000 or more in cash, including linked payments, or pays in virtual assets, with a warning for suspicious splitting.
goAML reports
Optavon prepares the report data in the app, and your compliance officer reviews it and submits it on the goAML portal. goAML XML file export is coming soon.
Audit trail
A log that can't be edited, and a training log for your team.
Automated in Professional
A business-wide risk assessment scored from your compliance officer's answers, for senior management to approve, with the compliance officer's workspace; a one-time screening of all your existing clients; an inspection pack (one ZIP with an index PDF); training reminders and reports; and a ready-to-adapt AML/CFT policy template in English and Arabic, approved by your senior management.
For real estate brokerages registered as DNFBPs in the UAE.
Plans
Essentials
AED 449 / month
- Up to 2 users
- Up to 50 KYC clients a month
- KYC for individuals and companies: your staff enter the client's details and ID by hand
- Beneficial owners (UBO)
- Customer risk assessment
- Business-wide risk assessment: a manual form (you rate each risk and choose the overall level)
- PEP: the client's declaration on the KYC form, marking a file PEP and recording manual checks
- Screening against the UN and UAE Local Terrorist lists
- Re-screening of every file when a list changes (lists checked daily)
- Cash payment alerts: the AED 55,000 threshold, linked payments and structuring (REAR register)
- High-risk countries: HRC / HRCA alerts, reports and the 3-working-day hold (their goAML XML is coming soon)
- Training register: record every AML training session
- goAML reports: you enter the report data; the app prepares the report (PDF / CSV) for your compliance officer to submit on the goAML portal
- AML records kept for at least 5 years. The legal period can start later (end of the relationship, an inspection, an investigation or a court judgment); your compliance officer confirms when a file may be deleted.
- Audit log
- Existing clients: add them one by one
- goAML XML export checked against the official UAE schema Coming soon
Professional
AED 999 / month
- Up to 15 users
- Up to 500 KYC clients a month
- Everything in Essentials
- Business-wide risk assessment calculated by the system (score and level), with the compliance officer's workspace
- One-time screening of every existing client (imported ones included) against the UN and UAE lists
- Inspection pack: one ZIP of your AML records with an index PDF
- AML/CFT policy template in English and Arabic
- Training reminders (who is due) and training reports
- Client self-service KYC: a secure link (WhatsApp or e-mail) where the client fills in the details and uploads the ID Coming soon
- goAML report data filled in automatically from the deal and its payments Coming soon
- Upload your existing AML clients from Excel / CSV Coming soon
- PEP and adverse-media screening, 300 checks a month Coming soon
- Compliance calendar Coming soon
Premium
Contact us
- Unlimited users and KYC clients
- Everything in Professional
- Four-eyes approval of high-risk and PEP clients (preparer and approver, both recorded)
- Quarterly management report (PDF, Arabic and English)
- PEP and adverse-media screening, 1,000 checks a month Coming soon
- Several branches or entities Coming soon
- MLRO dashboard Coming soon
- Account manager Coming soon
- A service-level agreement (SLA) Coming soon
- Prices exclude 5% VAT.
- One-time setup fee: AED 1,500. Free with yearly billing.
- On the Business plan? AML Essentials is included, with no setup fee. Upgrade to Professional for AED 550 a month (AED 5,600 a year). For Premium, contact us. The Enterprise plan includes Premium.
An example
A client pays AED 60,000 in cash towards buying a freehold apartment. Because the cash reaches AED 55,000, Optavon flags the deal as likely needing a REAR and prepares the report data. Your compliance officer decides and submits it on goAML.
How to start
Sign up and choose the United Arab Emirates as your company's country.
Choose «AML compliance only», or the complete system if you also want CRM, HR or accounting.
Confirm your email. Your company gets its own private workspace and a 14-day free trial.
Clear about what it is
- Your compliance officer submits reports on goAML. Optavon prepares the report data.
- Automated PEP and adverse-media screening is coming soon. Today, clients declare PEP status in the KYC form, and manual PEP checks are recorded with their evidence.
- Optavon is software. It is not approved or certified by any regulator, and it isn't legal advice.
Questions
How is our data protected?
Data is encrypted in transit and at rest, each company's data is kept separate from every other company's, company owners sign in with two-step verification, and data is backed up daily. Details of where the service is hosted and which providers run it are set out in the data processing agreement when you sign.
Does Optavon replace our compliance officer?
No. Optavon organises the checks and prepares the report data. Your compliance officer reviews it and submits reports on goAML.
Does Optavon submit reports to goAML for us?
No. Optavon prepares the report data, and your compliance officer reviews it and submits it on the goAML portal. goAML XML file export is coming soon. Optavon is not officially integrated with goAML.
What counts toward the monthly KYC limit?
Each AML client file you open counts once, in the Dubai calendar month it is opened. Screening and re-screening don't count. Unused files don't carry over to the next month.
What can we try during the 14-day trial?
The trial works with real KYC files, so you can test it on your own clients. The goAML XML file is not available in the trial (it is coming soon on every plan); the report preparation pack (PDF / CSV) is.
Can we bring our existing clients?
Yes. On Essentials you add them one by one. Uploading them from Excel or CSV is coming soon on Professional and Premium.
Questions about AML for your company?
Tell us about your company and we'll reply by email.