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One checklist. every obligation

AML compliance Checklist for Estate Agents

HMRC published updated risk indicators and legal obligations that apply to estate agency AML compliance. Very few agencies could point to where each one is evidenced in their files.

This checklist puts all of them in one place, organised into three layers: the law and guidance you're held to, the governance your firm needs behind it, and the workflow every single file should pass through.

It's built on the Coadjute Assured Compliance Framework, an ISO 31000-aligned approach to AML risk management for UK property firms. The same structure an inspector works through, laid out as something you can tick.

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Each item is written as a plain statement you can tick off, so you can see in one pass which parts of your process are documented, which are assumed, and which don't exist yet.

The final section covers what HMRC asks for when a visit letter arrives: what to send within the first two weeks, what to have ready on the day, and the mindset that separates a clean inspection from a costly one.

Useful for a director confirming the firm's position, an MLRO building the audit trail, and a branch manager checking that what's written down matches what actually happens.

Request your copy and find your gaps before an inspection does.

Built for property professionals

Three roles. One connected platform. 100% compliance. Zero risk. 

Estate agents

Estate Agents

Assured compliance without the admin, risk or overhead. Fully outsourced, regulator-grade AML built specifically for UK agents. 

For Agents
Conveyancers

Conveyancers

Cleaner AML packs. Fewer delays. Confident completions. Receive structured, auditable packs aligned to legal-sector FCA standards. 

For Conveyancers
MLROs

MLROs

Build a defensible position with evidence of enforced policies, measured controls and complete audit trails. 

For MLROs