Multi-branch agencies, 4–15 branches

Your MLRO can’t be in every branch. Coadjute can

Coadjute delivers AML compliance as a fully managed service, so your MLRO sees what's happening in every branch without chasing any of them.

consistency is key

Multiple offices. Multiple different ways of doing AML?

When you’re running multiple branches, your MLRO is often a director or branch manager with plenty of other responsibilities. They can’t be everywhere at once, and it’s easy for different
branches to develop different ways of working.

Different processes, different evidence, different decisions.

But HMRC expects consistent AML compliance across each branch, with the records to prove it.

Coadjute’s AML onboarding: the app guiding a seller through compliance tasks, a document check in progress, and photos of a manager reviewing work with a colleague at her desk.
Your MLRO’s week

From chasing branches to overseeing them

The job

Customer checks

Doing it yourself

Branches collect ID and documents their own way; you chase what’s missing

With Coadjute

Our specialists do every check, to one evidence standard, in every branch

The job

Source of funds

Doing it yourself

Negotiators trace deposits and gifts where they can between viewings

With Coadjute

Funds traced, giftors checked in full and all enhanced work handled by our team

The job

Your review

Doing it yourself

Every transaction file lands on your desk

With Coadjute

You see the exceptions and only the files you need to make decisions on

The job

Policies and procedures

Doing it yourself

A template written once, rarely updated

With Coadjute

A customisable framework for all branches kept current with HMRC guidance, approved by you

The job

Training

Doing it yourself

A spreadsheet and a reminder each year

With Coadjute

Training by role, assessed and recorded in the Training Hub

The job

If HMRC calls

Doing it yourself

A week of pulling files from each office

With Coadjute

Every case’s report, reasoning and evidence in one place

Providing the same standards across all your branches

  • One check, every branch

    Identity, due diligence, source of funds and enhanced checks carried out by our London-based specialists, never left to branch habit.

    Consistency without policing.

  • Clean hand-offs

    The AML report and evidence travel with the sale, from valuer to negotiator to sales progressor.

    Nobody re-asks the customer for what you already have.

  • Your framework, signed off

    Your senior management approves the risk assessment, policies and procedures, your MLRO owns them, and every colleague reads the approved version.

    Everyone works from the firm’s agreed position.

  • Training by role

    Training assigned by role, wherever colleagues work, with certificates and a register you can export.

    Follow up gaps without a spreadsheet.

  • Help that knows the case

    Ask about a specific check or property, and the person helping can see the context straight away.

    No re-explaining the situation from the start.

  • Evidence ready for HMRC

    Every case and decision recorded and kept for five years after the relationship ends.

    Answer the inspector, not the inbox.

Already have a framework?

We bring what is working up to date

Most multi-branch agencies arrive with policies written by a consultancy a few years ago and a part-time compliance administrator who keeps the file. Neither is wasted.

Your existing PCPs

We keep what's working

We review your existing risk assessment and procedures against the latest HMRC guidance, keep what works and update what’s needed. Your senior management approves the changes, your MLRO retains oversight, and every version is recorded. 

Your compliance administrator

From doing to overseeing

 Our specialists take care of the checks and chasing, while your team stays in control. You approve key changes, review our work and oversee monthly reporting and audit preparation. 

when you open a new office

Grow your agency. 
Not the AML workload.

Opening another branch shouldn't mean more compliance headaches. With Coadjute, every office follows the same AML framework, with consistent checks, processes and training from day one. 

  • One framework, every branch. Consistent policies and procedures across your agency
  • Checks done for you. Our specialists manage the AML workload as your business grows
  • Training from day one. Every colleague gets the right training for their role, with completion recorded
  • Ready for HMRC. Consistent records and evidence across every office

 

A colleague leans in to talk through a case with a team member at his desk in a busy agency office.
AML cost calculator

Seven branches. What does AML cost you in-house?

Doing AML properly across seven branches takes real time, spread across negotiators, managers and your MLRO.

Work out your cost
The AML cost calculator’s sliders for branches, listings per month and enhanced checks

Keep AML compliance consistent across every branch

Discover how