AML compliance system
Certaby is your AML compliance system.
The checks are the easy part. An HMRC anti-money-laundering inspection asks for the written system around them: a risk assessment, policies, a named nominated officer, trained staff, a record of your decisions, and a way to file reports. That paperwork is what most regulated firms (letting agents, estate agents, conveyancers and accountancy practices) are missing when the inspection letter arrives.
Certaby builds and keeps all of it from your firm profile and the transactions you run, so the evidence is ready before HMRC asks for it.
What you pay for, and what you do not
The transactions hub and every check are pay-as-you-go and never subscription-gated. The Compliance plan adds only the document layer below. You can run checks and keep signed evidence without it.
The seven documents, mapped to what HMRC asks.
- 1
Firm-wide risk assessment
A written, version-controlled money-laundering risk assessment tailored to your services, customers and geography.
- Regulation
- MLR-2017 reg 18 (written risk assessment)
- At inspection, HMRC asks
- “Show me your firm-wide money-laundering risk assessment.”
- 2
Policies and procedures
Customer due diligence, record-keeping and reporting policies built from your risk assessment and naming your nominated officer.
- Regulation
- MLR-2017 reg 19 (policies, controls and procedures)
- At inspection, HMRC asks
- “Show me your written CDD, record-keeping and reporting policies.”
- 3
Nominated officer appointment
The MLRO appointment record HMRC asks to see at inspection.
- Regulation
- MLR-2017 reg 21 (nominated officer)
- At inspection, HMRC asks
- “Who is your nominated officer, and when were they appointed?”
- 4
Staff training log
An AML training module plus a completion log for every member of staff.
- Regulation
- MLR-2017 reg 24 (staff training)
- At inspection, HMRC asks
- “Prove your staff have been trained, and when.”
- 5
Case management
A logged disposition and rationale for every review or failed check, retained for the audit trail.
- Regulation
- MLR-2017 reg 28 + 40 (CDD and record-keeping)
- At inspection, HMRC asks
- “Show the decision and rationale for this review or failed check.”
- 6
SAR and OFSI report prep
A ready-to-file suspicious activity report pack and OFSI reporting checklist. You submit it; we assemble it.
- Regulation
- POCA 2002 (SARs) and OFSI financial-sanctions reporting
- At inspection, HMRC asks
- “Show me how you would prepare and file a suspicious activity report.”
- 7
Inspection-ready bundle
A one-click export of the HMRC evidence list for any date range.
- Regulation
- The HMRC inspection itself
- At inspection, HMRC asks
- “Send me your AML evidence for this period.”
It stays current on its own.
Set your firm profile once in Settings and the risk assessment, policies and nominated-officer record build from it. Case management and the inspection bundle build from the transactions you run. Update the profile and the documents update with it, so an inspection never catches you with stale paperwork.
Questions firms ask
Is running the checks enough to pass an HMRC inspection?
No. The checks are the easy part. An HMRC AML inspection asks for the written system around them: a risk assessment, policies, a named nominated officer, trained staff, a case trail, and a reporting process. That paperwork is what most firms are missing when the letter arrives.
Do I have to subscribe to use Certaby?
No. The transactions hub and every check are pay-as-you-go and never subscription-gated. The Compliance plan adds the document layer (the seven items below). You can run checks and keep signed evidence without it.
Where do the documents get their content?
From your firm profile in Settings and from the transactions you run. The risk assessment, policies and nominated-officer record build from your profile; case management and the inspection bundle build from your transaction history. Update your profile and the documents update with it.
Does this replace my MLRO or my legal advice?
No. Certaby assembles the evidence and keeps it current; the regulated firm and its nominated officer stay responsible for the decisions. It is a system of record, not a substitute for your own judgement or professional advice.
Get inspection-ready.
The Compliance plan adds the seven documents to your account. See what is included and how to start.