Engineered to fit property professionals workflows
The Coadjute AML Framework is designed to reflect the reality of estate agency, supporting multiple branches, varied transaction types, different risk profiles and the time pressures faced at the front line.
It aligns branch-level activity with firm-wide oversight, removes reliance on individual judgement or memory, and ensures consistency regardless of scale or location.
Every transaction follows the same structured approach, with flexibility applied where risk requires it.
Transaction-level AML
At transaction level, identity is verified, Source of Funds and Wealth are properly assessed, and all 34 HMRC risk indicators are addressed.
Enhanced Due Diligence is applied where required, with decisions and outcomes fully documented in a clear, auditable compliance workspace.
Firm-wide governance
Beyond individual transactions, the framework supports firm-wide AML obligations.
It enables operationally aligned Business-Wide Risk Assessments, practical Policies and Procedures, clear escalation with defined accountability, and effective oversight for MLROs and compliance leaders.
Training and competence
The framework includes structured training so staff understand their AML responsibilities, follow the standard workflow, and escalate higher-risk cases appropriately.
Advanced options are available for MLROs and compliance leads, with all training records captured and retained as compliance evidence.
Audit and evidence
Every element of the AML Framework is built to stand up to scrutiny.
The platform records time-stamped, immutable audit trails with clear attribution, supported by structured reporting across transactions and the wider firm. Evidence is easily retrieved for audit, review or inspection.
Future-proofed for rising standards
Regulatory expectations are rising, with supervision moving towards a fully audit-ready approach.
Coadjute’s AML Framework meets current HMRC requirements, adapts to evolving guidance, supports deeper audits, and scales as your business grows - built for the long term, not just today’s rules.
ISO 31000-aligned risk management
Coadjute’s AML Framework aligns with ISO 31000, applying a structured risk management cycle across every transaction: identify risks, analyse exposure, evaluate impact, treat appropriately, monitor continuously and report clearly.
This ensures AML is managed systematically, not reactively.
An accredited framework you can rely on
For estate agents, the AML Framework removes operational burden and risk.
For conveyancers, it delivers AML that is review-ready and trustworthy.
For MLROs, it provides oversight that is measurable and defensible.
One framework. Applied consistently. Evidenced properly.
