How Coadjute operates

People-led
Process-driven
Platform-powered

Three workstreams working together to manage your AML compliance from start to finish, ensuring every check is completed properly, every risk is assessed and every decision is supported by clear evidence.

Two colleagues smiling and talking at their desks in a bright office, with a tick badge.

Compliance you can trust

Our fully managed AML compliance service takes care of your agency’s compliance from start to finish, combining specialist people, proven processes and purpose-built technology.

  • People

    UK-based specialists who do the checks, the chasing and make the judgement calls.

  • Process

    Run to our rigorous AML framework: risks, policies, controls, procedures and evidence. 

  • Platform

    Your firm's risks and policies, every case and every record, in one purpose built platform.

Summary
people

Specialists who do the work for you

Our UK-based team complete over 10,000 AML checks per month reviewing identity, ownership and funding, investigates higher-risk cases, guides your customers and explains the outcome, escalating clearly when a decision is yours.

  • AML analysts

    Every check reviewed and recorded.

  • EDD specialists

    Complex funding, PEPs, companies and trusts.

  • Customer support

    Helping buyers and sellers through every step.

  • Standards team

    Maintaining the library as HMRC’s guidance changes.

Coadjute’s AML team at work: an open-plan office with the Coadjute logo on the wall, two colleagues discussing something at a screen, and a smiling team member at her desk, with a tick badge.
process

Your Coadjute AML Standards Library

The structured body of knowledge behind every check, built from HMRC’s guidance and maintained by our compliance team.

  • 42 risks in Coadjute’s library, across customer, transaction, geography, delivery-channel and service

  • 140 controls (preventive, detective and corrective) linked to each risk

  • 223 obligations taken from HMRC’s guidance, with controls linked to the obligations they help meet

  • 272 evidence types, each with a defined standard of what good looks like

2-2

One purpose-built platform designed for estate agents

  • Your firm’s framework

    Digital risk assessment and policies, controls and procedures.

  • Risk Engine

    Transparent, rule-based residual risk on every case.

  • Live risk registers

    A digital risk register for every customer.

  • Clara AI

    Guidance for your customers and help for you as an agent.

  • Training Hub

    Role-based learning, assessments and certificates.

  • Compliance Hub

    Policies, procedures and guidance, all in one place.

  • Compliance Insights

    Coming soon for MLROs: your firm’s risk profile from its own checks.

  • Support

    Every request owned, with working-hours SLAs.

Works with your existing tools: Reapit, Street, HM Land Registry and Registers of Scotland.

Every case goes through six stages

  1. Identify

    Who the customer is and who acts for them.

  2. Fact-find

    The customer’s circumstances and funding.

  3. Evaluate

    Controls tested against approved evidence.

  4. Treat

    Enhanced checks where risk remains.

  5. Report

    A structured AML report and outcome.

  6. Monitor

    Ongoing monitoring and re-screening throughout the relationship.

Discover how Coadjute works in partnership with estate agents

Book a free 30-minute meeting with one of our compliance experts.

book a call today