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AML compliance Checklist

Written by Jo Burman | Sep 29, 2026, 10:56:28 AM

HMRC has published updated risk indicators and legal obligations for estate agency AML compliance, yet very few agencies could point to where each one is evidenced in their files.

We have brought every obligation together in one practical checklist, built on the Coadjute Assured Compliance Framework, so you can see at a glance what's documented, what's assumed and what's missing.

Inside the checklist:

  • 39 risk indicators you need to evidence.

  • 108 legal obligations that apply to your agency.

  • Three layers: law and guidance, governance, and file workflow.

  • What HMRC asks for when a visit letter arrives.

  • Simple tick-box statements for directors, MLROs and branch managers.

Download the checklist to identify any gaps in your AML processes.