Regulatory & Compliance

Anti-Money Laundering AML/CFT Compliance Services

AML compliance is no longer optional in Pakistan. TS Legal provides end-to-end AML/CFT compliance for Designated Non-Financial Businesses and Professions (DNFBPs) — from policy drafting to FBR registration and ongoing reporting.

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What We Do

Our AML Compliance Services

Comprehensive coverage across every aspect of aml compliance in Pakistan.

AML/CFT Policy Drafting

Customized AML/CFT Compliance Policy and Procedure Manual tailored to your business type, risk profile, and FBR/FMU requirements.

Customer Due Diligence (CDD)

KYC/CDD frameworks including Standard CDD, Enhanced Due Diligence (EDD) for high-risk clients, and Simplified CDD for low-risk scenarios.

STR/CTR Filing

Suspicious Transaction Report (STR) and Currency Transaction Report (CTR) preparation and filing with Financial Monitoring Unit (FMU).

FBR DNFBP Registration

Registration of your business as a DNFBP with FBR and fulfillment of all AML compliance obligations under FBR's DNFBP Regulations.

AML Training

Staff training programs on AML/CFT awareness, red flag identification, reporting obligations, and regulatory requirements.

AML Audit & Review

Annual AML compliance audit, gap analysis against latest regulations, and remediation plan preparation.

Our Process

How We Work

A structured, transparent process that delivers results — every time.

Risk Assessment

Conduct Business-Wide Risk Assessment (BWRA) to identify your AML risk profile.

Policy Development

Draft AML/CFT Compliance Policy, Procedures, and Controls Manual.

Registration

Ongoing Compliance

Monthly monitoring, STR/CTR filing, staff training, and annual review.

FAQ

Frequently Asked Questions

Who are DNFBPs in Pakistan and what AML obligations do they have?

DNFBPs (Designated Non-Financial Businesses and Professions) under Pakistan's AML Act 2010 and FATF recommendations include: real estate agents, accountants and auditors, lawyers and notaries, dealers in precious metals and stones, and trust and company service providers. They must conduct customer due diligence, maintain records for 5 years, report suspicious transactions to FMU, and register with FBR.

What are the penalties for AML non-compliance in Pakistan?

Penalties under the AML Act 2010 include fines up to PKR 25 million for legal persons and PKR 5 million for individuals. FBR can also impose administrative sanctions including cancellation of professional licenses. Criminal prosecution for willful non-compliance can result in imprisonment. TS Legal's proactive compliance service prevents these consequences.

What is a Suspicious Transaction Report (STR) and when must it be filed?

An STR must be filed with FMU (Financial Monitoring Unit) within 7 working days of suspecting that a transaction involves proceeds of crime, terrorism financing, or money laundering. Failure to file is itself a criminal offense. TS Legal trains your team to recognize red flags and prepares STRs when required.

How does TS Legal help with FBR DNFBP compliance?

TS Legal provides end-to-end DNFBP compliance: FBR registration, Business-Wide Risk Assessment (BWRA), AML/CFT Policy drafting, Compliance Officer designation support, KYC/CDD procedures, STR/CTR template preparation, staff training, and annual compliance review — everything needed to stay compliant with FBR's DNFBP Regulations.