For MLROs

Responsibility and expertise working in partnership

Being an MLRO carries significant responsibility. But it shouldn’t mean doing all the operational compliance work yourself.

With Coadjute, you have a fully managed AML service supporting your agency, giving you the expertise, oversight and evidence to fulfil your role with confidence.

Backed by

Responsibility and expertise working in partnership

Being an MLRO carries significant responsibility. But it shouldn’t mean doing all the operational compliance work yourself.

With Coadjute, you have a fully managed AML service supporting your agency, giving you the expertise, oversight and evidence to fulfil your role with confidence.

Coadjute’s open-plan office with the compliance team at work, and a support specialist smiling on a headset call.

Oversight starts with evidence you can trust

Being compliant isn’t just about having the right policies. It’s about knowing they’re being followed, demonstrating evidence on each case and showing the correct controls are in place.

  • See the work behind every check

    Access detailed risk assessments, supporting documents and recorded decisions, giving you clear visibility of how each case has been managed.

  • Keep your firm’s approach current

    Support with Business-Wide Risk Assessments, policies and procedures, helping you maintain a consistent, risk-based approach as regulations evolve.

  • Know your team is ready

    Practical training, assessments and centralised records help you demonstrate that your people understand their AML responsibilities.

1-Sep-29-2026-05-36-59-3716-AM

Could you show HMRC how you handled it?

  • A particular client

    Be able to access the checks, risk assessments, supporting documents and decisions recorded throughout the case.

  • Source of Funds

    Demonstrate how funds were assessed, what evidence was collected and where further investigation was required.

  • A policy or risk

    Demonstrate the framework, controls and procedures applied to manage identified risks.

  • Evidence for an audit

    Access comprehensive case reports, supporting records and documented decisions when you need them.

  • Your team’s training

    Evidence training completion, assessments and records to demonstrate staff awareness and competence.

Specialist work provides evidence you can stand behind

Coadjute provides the specialist support and operational capacity to help you maintain effective oversight without managing every individual check yourself.

Managed AML

Our specialists handle identity verification, Source of Funds, enhanced due diligence, sanctions checks, complex cases and ongoing monitoring, with clear records of the work completed.

A smiling Coadjute specialist, with badges marking a verified property check.

Compliance governance

From Business-Wide Risk Assessments and policies to structured processes and comprehensive reporting, we help you maintain a consistent and defensible approach to compliance.

Training and learning

Role-based AML training, guidance and assessments help keep your teams informed, with records that make it easier to demonstrate compliance with staff training requirements.

Measuring what matters to you as an MLRO

Effective compliance means having the right processes, understanding your risks and being able to demonstrate that your business is meeting its obligations.

  • Finding the evidence

    Measure: evidence retrieval time

    Access comprehensive, audit-ready reports, supporting documents and recorded decisions, all in one place.

  • Keeping your framework current

    Measure: framework review status

    Maintain policies, risk assessments, training and procedures that reflect your agency’s obligations and evolving regulatory requirements.

  • Knowing your team is ready

    Measure: training coverage and updates

    Give your people the training, guidance and specialist support they need, with the records to demonstrate it.

Explainable risks

No black box. A reason for every outcome

HMRC expects you as MLRO to show, in writing, why the checks on each customer were the right level. The Risk Engine makes every result explainable: the risks identified, the controls applied, the evidence behind them and the outcome.

Evidence-linked

Residual risk you can explain

We calculate the level of risk remaining after your controls have been applied, using only approved evidence. Every rating follows clear, consistent rules, so you can see how each decision was reached. It's not left to AI. 

Readiness

Gaps found before review

Before a specialist finalises an assessment, the case is checked for missing risks, controls or evidence, so incomplete cases don’t slip through.

Your settings

Your risk appetite, applied consistently

Your agency’s agreed acceptable level of risk is applied to every case, and cases above it are escalated, in every branch.

Right evidence

The right evidence for the right risk

Evidence is scoped to the risk it supports, and cancelled enhanced checks are excluded, so old or unrelated documents can’t distort a result.

Expert support from industry specialists

When AML cases get complicated, you need more than software or a support ticket. You need someone who knows what they're doing.

Our UK-based compliance specialists understand the challenges estate agents face, from complex ownership and unusual Source of Funds to missing evidence and higher-risk customers.

We work alongside your team to resolve issues, provide practical advice and keep cases moving. With clear responsibilities and escalation routes, you'll always know what's being handled and when your input is needed.

Coadjute’s UK-based compliance team at work in the office: a colleague talking through a case at a desk, and a smiling specialist, with a tick badge.
Your audit rights and HMRC

Our files for your firm are yours to examine

Audit

Audit us on 10 working days’ notice

You or your appointed independent auditor can review your firm's compliance records with 10 working days’ notice. This includes case files, quality checks, corrections, training records and service reports. Reviews can take place on our platform or at our London office, with your right to audit included in our service agreement. 

HMRC

We cooperate with HMRC on your instruction

During a supervision visit, our specialists answer HMRC’s questions about the work we did for you, on your instruction and with your Nominated Officer present. We do not deal with HMRC about your firm without you.

Your records

HMRC inspects your Coadjute records as your records

Every case file, AML report, framework version and training record we hold for your firm is your firm’s record, held by us as your processor. HMRC may inspect them as it would any record of yours, and they are exportable to you at any time in a standard format.

Onboard AML compliance that supports your role as MLRO

talk to an expert