A fully managed AML service combines technology, data and specialist compliance expertise to undertake the operational AML workload on behalf of an estate agency.
Instead of simply giving estate agents software and expecting their teams to complete the work themselves, a fully managed service is designed to take much of that burden away.
That is the model Coadjute has been built around.
We combine technology, property-specific workflows and specialist compliance expertise to manage the work that sits behind AML compliance, so branch teams can spend more time serving customers, winning instructions and progressing transactions.
A fully managed AML service combines technology, data and specialist compliance expertise to undertake the operational AML workload on behalf of an estate agency. Coadjute is designed specifically for estate agents, removing much of the compliance burden from branch teams at no cost to the agency.
Unlike traditional AML software, Coadjute does not just give your team the tools to do the work - we manage the work for you.
That distinction matters.
With traditional AML software, an estate agency may still need to:
review identity and screening results
assess customer and transaction risk
investigate source of funds
establish source of wealth where appropriate
determine whether Enhanced Due Diligence is required
obtain additional documentation
review complex cases
manage exceptions
escalate concerns
monitor customers
maintain suitable records
keep policies and procedures up to date
train staff
prepare for HMRC scrutiny
A fully managed AML service is designed to remove much of that operational burden.
The estate agent retains the appropriate oversight of its AML responsibilities, while the managed service undertakes the work needed to support those responsibilities.
Instead of simply giving estate agents software and expecting their teams to complete the work themselves, a fully managed service is designed to take much of that burden away.
That is the model Coadjute has been built around.
We combine technology, property-specific workflows and specialist compliance expertise to manage the work that sits behind AML compliance, so branch teams can spend more time serving customers, winning instructions and progressing transactions.
Estate agencies have traditionally had two main choices. They could build significant compliance capability internally. Or they could buy software to help their own teams carry out the work.
A managed service creates a third option: Outsource much of the operational AML workload to specialists. That is not a new concept in business. Companies regularly outsource specialist functions where the work requires specific expertise. Accounts and tax are often outsourced to accountants and tax advisers. Payroll can be outsourced to specialist payroll providers. HR support can be outsourced to HR specialists and managed HR services. IT infrastructure and cyber security can be outsourced to managed service providers. Legal matters are handled by solicitors. Recruitment is frequently supported by specialist agencies.
In each of these examples, the business retains responsibility and oversight, but relies on specialists to undertake work that sits outside the core expertise of the internal team.
AML compliance can work in the same way.
Estate agents do not need every branch employee to become an AML specialist.
They can use a specialist managed service to undertake much of the work while retaining appropriate oversight.
That changes the role of technology.
Instead of the technology being something a branch team has to operate, interpret and manage, it becomes part of the infrastructure that allows the service to work.
The estate agent gets the outcome. The managed service does the work.
The easiest way to understand the difference is to compare traditional AML software with Coadjute's fully managed approach.
| AML software | Coadjute fully managed AML service |
|
Provides technology |
Provides technology, specialist expertise and a managed service |
|
Gives your team tools to complete AML |
Undertakes the AML workload for your team |
|
Often designed for multiple regulated industries |
Designed specifically for estate agency |
|
Uses generic compliance workflows |
Tailored to property transactions and estate agency processes |
|
Produces ID and screening results |
Reviews and manages the wider AML case |
|
Flags potential risks |
Investigates and responds to identified risk |
|
Requires staff to interpret results |
Specialist compliance teams review results and determine next steps |
|
Agent manages exceptions and additional enquiries |
Coadjute manages additional enquiries, exceptions and escalations |
|
Agent handles source of funds investigations |
Coadjute supports and manages source of funds investigations |
|
Agent determines whether EDD is required |
Coadjute supports the assessment and management of Enhanced Due Diligence |
|
Agent carries much of the operational workload |
Coadjute removes much of the operational burden from branch teams |
|
Agent must maintain internal AML expertise |
Specialist AML expertise is built into the service |
|
Usually focused primarily on individual checks |
Supports both casework and wider AML governance |
|
Agent prepares records for audit |
Coadjute provides clear, audit-ready reporting and supporting evidence |
|
Typically involves a software licence or platform cost |
No charge to the estate agent |
The difference is not simply better technology.
Coadjute has been designed specifically around estate agency, rather than adapting a generic AML or identity platform that serves multiple industries.
That means the service is built around the people, scenarios and risks estate agents encounter every day.
Estate agency AML is not the same as AML in banking, accountancy, legal services or other regulated sectors.
The transactions are different. The customer relationships are different. The timescales are different. And the people involved in a property transaction can be complex.
An estate agent may need to deal with:
sellers
buyers
landlords
giftors
corporate purchasers
trusts
probate
Powers of Attorney
overseas funding
third-party funding
multiple sources of funds
unusual ownership structures
changing circumstances during a transaction
Those scenarios create risks that need to be understood in the context of property transactions. That is why Coadjute has been designed specifically for estate agents. It is not a generic identity-checking platform adapted for property. It is a managed AML service built around the estate agency workflow.
Software can be extremely useful. It can automate identity checks, screen customers, surface risk indicators and collect information. But somebody still has to decide what those results mean.
If a risk flag appears, someone must review it. If the source of funds does not make sense, someone must investigate it. If a case requires Enhanced Due Diligence, someone must know what additional evidence is required. If the customer provides incomplete or conflicting information, someone must decide what happens next. If HMRC asks why a decision was made, someone must be able to demonstrate the rationale and evidence.
That is the work a managed service is designed to take on.
Coadjute combines technology, connected data and specialist compliance expertise to support the wider AML process.
Identity verification forms part of the service. We help establish that customers are who they say they are using appropriate identity and verification checks. But identity is only the starting point.
The wider circumstances of the customer and transaction need to be understood. Coadjute assesses relevant risk factors and helps determine the level of due diligence required.
Customers are screened for politically exposed person and sanctions considerations, with appropriate review where additional risk is identified.
Where required, Coadjute supports and manages the review of evidence showing where the money being used in a transaction has come from.
Where the circumstances require a deeper understanding of how a customer's overall wealth has been accumulated, source of wealth enquiries can form part of the review.
Higher-risk situations may require Enhanced Due Diligence. Coadjute supports the additional enquiries, evidence gathering and review required rather than simply flagging the issue and leaving the branch to manage it.
Not every customer fits neatly into an automated workflow. Gifted funds, overseas money, trusts, companies, probate, Powers of Attorney and other scenarios can require specialist judgement. Coadjute provides specialist support for more complex cases.
AML is not always a one-off check. Circumstances can change during a business relationship or transaction. Coadjute supports ongoing monitoring so that changes in relevant risk can be identified and addressed.
AML obligations apply at business level as well as case level. Coadjute supports estate agencies with the governance surrounding their AML activity, including business-wide risk assessment requirements.
Effective AML requires appropriate policies, controls and procedures. Coadjute supports agencies in maintaining the framework needed around individual customer checks.
Staff need to understand their responsibilities, recognise warning signs and know when something requires escalation. Coadjute supports estate agencies with training designed around the scenarios their teams actually encounter.
AML compliance is not simply about completing checks. Businesses also need to be able to demonstrate what was done, what was considered and how risks were addressed. Coadjute provides clear case records and reporting designed to support oversight and HMRC audit readiness.
The practical benefit is that the estate agent does not have to manage every stage of the compliance process internally.
Instead of branch teams spending time:
chasing documents
interpreting results
investigating anomalies
reviewing risk flags
deciding what further evidence is required
working through complex source-of-funds cases
managing additional enquiries
The managed service undertakes much of that work. This reduces the operational burden on the branch while maintaining appropriate visibility and oversight.
A managed service does not remove an estate agency's legal responsibilities. Regulated businesses still need appropriate oversight and accountability. The difference is that those responsibilities do not need to translate into every branch or negotiator carrying out the operational workload themselves. Coadjute undertakes the work and provides the evidence, expertise and support around the case. The estate agency retains oversight.
AML is important, but it is not what estate agents were hired to spend most of their day doing. The more compliance administration carried out in branch, the less time teams have for:
winning instructions
speaking to buyers and sellers
progressing transactions
negotiating
supporting customers
generating revenue
A managed service changes that balance.
Branch teams can spend less time completing compliance administration and more time doing the work that drives the business.
A managed approach can create a more consistent process across branches, offices and teams.
Complex cases can be handled by people who work with AML every day.
The business is less dependent on every negotiator understanding every regulatory scenario.
MLROs and senior management can have clearer visibility over cases, risks and compliance activity.
Case records, supporting information and decisions can be documented consistently.
Customers can be guided through what is required without the branch having to manage every interaction itself.
Yes. Coadjute's managed AML service is designed around the estate agency market. That means the service reflects the way property transactions actually work and the types of people, funding structures and risk scenarios agents encounter. This is an important distinction. Many identity and AML technology providers operate across multiple sectors. Their technology may be used by banks, lawyers, accountants, financial services companies and many other regulated organisations. Those platforms can be effective technologies. But they are necessarily designed for broad use.
Coadjute is different. Our AML service is designed specifically for estate agents and property transactions. That means the workflows, service model and specialist support are tailored around estate agency rather than requiring agents to adapt a generic compliance product to fit their business.
No. There is no charge to the estate agent for Coadjute's fully managed AML service. Coadjute operates using a disbursement model. Buyers and sellers pay directly for the compliance service, and Coadjute takes payment directly from the customer. This means the estate agent does not need to pay a software licence, subscription fee or service charge in order to use Coadjute's managed AML service. It also means there is no need for the agency to collect and administer the compliance payment itself.
In addition, the model can provide estate agencies with an opportunity to generate additional revenue through the compliance process. So rather than AML being an operational cost to the estate agency, Coadjute provides a model where the compliance service is fully managed, funded directly by the customer and can create an additional revenue opportunity for the agent.
Coadjute's HMRC guarantee reflects the confidence behind our managed approach to AML compliance. The service is designed to support estate agencies with both the operational casework and the wider governance required around AML. That includes the work, evidence and supporting processes required to help agencies remain prepared for HMRC scrutiny. The important distinction is that Coadjute does not simply provide software and leave the estate agent to determine whether everything else has been completed correctly. We manage the work around the case and support the wider compliance framework.
The traditional AML market has largely focused on giving regulated businesses better technology.
Managed AML starts with a different question: Why should the estate agent have to do the work at all? Businesses already outsource specialist functions every day. They use accountants to manage accounts and tax. They use solicitors for legal work. They use payroll providers to handle payroll. They use HR specialists for employment matters. They use managed IT providers to maintain systems and cyber security. They use recruitment specialists to find and hire people. In every case, the business retains responsibility and oversight, but chooses to rely on specialists to carry out work that requires dedicated expertise. Compliance can work in exactly the same way. Estate agents should not need every branch employee to become a compliance specialist. If the task requires specialist AML knowledge, repeatable processes, investigation, evidence and technology, it can be managed by a specialist provider.
That is what Coadjute has been built to do.
The most useful question is not: “What can your software do?”
It is: “What does my team still have to do after your software has finished?”
That reveals the difference between a technology provider and a managed service.
Ask:
Who reviews the case?
Who investigates unusual circumstances?
Who handles source of funds?
Who requests additional evidence?
Who determines whether Enhanced Due Diligence is required?
Who reviews complex cases?
Who manages exceptions?
Who supports the MLRO?
Who maintains the supporting evidence?
Who helps prepare for HMRC scrutiny?
Who supports business-wide risk assessments and procedures?
Who trains staff?
How much branch time is still required?
If the answer to most of those questions is your team, you are buying software. If the provider is undertaking the work, you are buying a managed service.
Some agencies may choose to build significant AML expertise internally and use software to support their team. Others may prefer to outsource much of the workload to specialists. The important thing is to understand the difference. AML software helps your team do the work. A fully managed AML service does much of the work for your team. Coadjute has been built around the second model.
Coadjute combines specialist compliance expertise, technology, data and property-specific workflows to provide a fully managed AML service for estate agents.
We manage the operational workload.
We support the governance.
We provide the evidence.
And we help agencies maintain a consistent AML process without expecting every branch team to become compliance experts. There is no charge to the estate agent. The service is funded directly by buyers and sellers. And the model can provide estate agencies with an additional revenue opportunity. All through a service built specifically around estate agency.
We do the AML work, so you can spend more time selling property.
A fully managed AML service combines AML technology with specialist compliance expertise to undertake much of the operational AML workload on behalf of a regulated business.
AML software provides tools that help an organisation carry out AML checks. A managed AML service combines technology with compliance specialists who undertake and manage much of the work.
Coadjute uses technology as part of its service, but it is better described as a fully managed AML compliance service designed specifically for estate agents rather than simply an AML software provider.
Yes. Coadjute's managed AML service and workflows are designed around estate agency, property transactions and the AML scenarios estate agents encounter.
Coadjute supports areas including identity verification, customer and transaction risk assessment, PEPs and sanctions screening, source of funds, source of wealth where required, Enhanced Due Diligence, complex case review, ongoing monitoring, governance, training and audit-ready reporting.
Yes. Source of funds review forms part of Coadjute's managed AML service where it is required.
Yes. Coadjute supports the additional enquiries, evidence gathering and review required where higher-risk circumstances mean Enhanced Due Diligence is necessary.
Yes. Coadjute's managed service extends beyond individual checks to support wider AML governance, including business-wide risk assessments, policies, controls and procedures, training, oversight and audit readiness.
No. There is no charge to the estate agent for Coadjute's fully managed AML service.
Coadjute operates a disbursement model where buyers and sellers pay directly for the compliance service and Coadjute takes payment directly.
The model can also provide estate agencies with an opportunity to generate additional revenue through the compliance process.
Coadjute's HMRC guarantee reflects the confidence behind its fully managed AML service and the support it provides around AML casework, governance and HMRC readiness.
A managed service can reduce the AML workload carried by branch teams, provide access to specialist compliance expertise, improve consistency, support oversight and allow estate agents to spend more time focusing on customers and transactions.
If your current AML provider gives you the technology but still leaves your team doing the work, it may be time to look at a different model.
Coadjute provides fully managed AML compliance designed specifically for estate agents - with no charge to the estate agency. Book a complimentary AML compliance assessment and see what your team could stop doing.
This article provides general information and is not legal advice.