
AML / CFT Advisory & Risk Management:
AML Policy & Framework Development – drafting and implementing AML/CFT programs aligned with FATF, local regulators, and international standards.
Risk Assessment & Gap Analysis – enterprise-wide AML/CFT risk assessment (EWRA) tailored to sector-specific risks (banks vs. high-value dealers like jewellers).
Sanctions Risk Advisory – screening framework for OFAC, UN, EU, and local sanctions compliance.
Customer Risk Profiling & Segmentation – risk-based approach (RBA) design for onboarding and monitoring.
Transaction Monitoring Advisory – typology-based scenarios and risk red flag indicators for each industry.
Lease Agreements and Power of Attorney Agreements.
Consumer Laws.

KYC / CDD / EDD Solutions:
KYC Program Design & Remediation – ensuring compliance with FATF recommendations and regulatory requirements.
Enhanced Due Diligence (EDD) – deep-dive reviews for high-risk customers (PEPs, high-value dealers, offshore structures, shell companies).
Customer Identification Programs (CIP) – digital KYC/e-KYC implementation and advisory.
Beneficial Ownership Identification – solutions to trace Ultimate Beneficial Owner (UBO) for complex structures.
Onboarding Advisory for Special Segments – e.g., jewelers’ CSP (corporate service provider) walk-in clients, trade-based financing for NBFCs.
Assessments, providing technical assistance (TA) in the financial and non-financial sectors, and exercising surveillance over persons/institutions’ economic systems.

Transaction Monitoring & Reporting:
Suspicious Transaction Reporting (STR/SAR) – frameworks and automation support for filing reports to FIUs.
Red Flags & Typology Development – industry-specific typologies (e.g., TBML for jewellery, layering through NBFCs).
AML System Selection & Tuning – advisory on choosing tools (Mantas, Actimize, SAS, etc.) and calibrating rules/scenarios.
Automated Screening Solutions – sanctions, PEP, adverse media, negative news integration.

Sector-Specific AML Advisory:
Banks (Retail Banking, Corporate Banking, Investment Banking, wholesale Banking, Asset Management)
- Trade-based money laundering (TBML) risk frameworks.
- Cross-border payments & remittance monitoring.
- FATCA / CRS compliance solutions.
- Digital banking AML risks (crypto, fintech tie-ups).
Gems & Jewellery Sector
- High-value cash transaction monitoring framework.
- Know Your Supplier / Buyer programs (KYB).
- Advisory on FATF’s DNFBP (Designated Non-Financial Business & Professions) obligations.
- TBML risk (over/under-invoicing, misrepresentation of stone value/quality).
NBFCs.
- AML framework for digital NBFCs & fintech partnerships.

Regulatory Compliance & Training:
Regulatory Audit Preparation – support for inspections by FATF, OFAC, FIU-IND, Ministry of Finance, etc.
Independent AML Reviews / Audits – testing effectiveness of AML/CFT programs.
Staff Awareness & Training Programs – tailored workshops for frontline, compliance teams, and senior management.
Policy Updates & Regulatory Change Management – ongoing advisory for FATF updates, new RBI/NBFC circulars, etc.

Technology & Digital Solutions:
- AML system implementation & integration advisory.
- Blockchain & crypto transaction risk advisory.
- RegTech partnerships for e-KYC, screening, and monitoring.
