UK AML compliance software, built in Birmingham
Certivus is the AML compliance software for UK mid-market accountancy firms and law firms — multi-partner, multi-office, scaling 1,000-10,000 client portfolios across multiple risk tiers. Built by a UK serial entrepreneur who got tired of watching capable firms run their MLR 2017 programmes through spreadsheets, folders, and quiet anxiety.
TL;DR — Quick Summary
- •Certivus is the AML compliance software for UK accountants and law firms, built in Birmingham by Mehmood Rajoka — UK serial entrepreneur and operator of the Rajoka portfolio of businesses.
- •We exist for one reason: every regulated UK practice deserves an MLR 2017 compliance system that actually works in operating reality — not a tick-box product or an enterprise-priced monolith.
- •Founder-led — focused execution team. Direct WhatsApp line to Mehmood for Founding 50 firms.
- •Honest pricing — £49/month Starter, £149/month Professional, recurring 5-verification-per-month free tier.
- •UK data residency. Built for MLR 2017, POCA, SAMLA, and the supervisory landscape from day one — not a global product with a UK skin.
Why Certivus exists
Mehmood Rajoka has spent the last decade running businesses out of Birmingham — eight and counting, across accountancy services, property, legal, and tech. Every one of those businesses has touched the UK regulated sector, and every one of them has run into the same problem.
AML compliance — anti-money laundering — is a regulatory backbone the UK economy genuinely needs. MLR 2017, POCA 2002, the SAMLA sanctions regime, the FCA, HMRC, the SRA, the professional-body supervisors — together they form a serious legal framework that protects against criminal proceeds, terrorist financing, and sanctions evasion. None of that is a fiction. The compliance burden it places on UK accountants and law firms is real, and the consequences of getting it wrong — supervisory fines, registration cancellation, criminal exposure under POCA — are real too.
The tools the regulated sector was meant to use to deliver that compliance, though, were a mess. The cheap options were tick-box exercises that wouldn't survive an HMRC inspection. The premium options were enterprise-priced monoliths designed for global banks — not for a mid-market UK accountancy network with five offices, sixty staff, and 3,000 active clients across multiple risk segments. The middle ground had per-check pricing that punished growth, missing UK-specific features, or quote-based pricing that locked out everyone outside the global-banking tier.
So in 2026, Mehmood built Certivus — the AML compliance software he kept wishing existed when watching practising firms run their MLR 2017 programmes through spreadsheets, manual PEP checks, and quiet anxiety about the next supervisory visit.
The mission is specific: every UK regulated practice — from mid-market multi-partner firms down to growing independents — should have an MLR 2017 compliance system that actually works in operating reality. Not a tick-box product. Not an enterprise-priced monolith. Something built honestly, priced honestly, and supported by people who answer the phone.
How we think about building Certivus
Built for UK MLR 2017 — not adapted
Every workflow maps to a specific regulation. Reg 18 firm-wide risk assessment. Reg 28 CDD. Reg 33 EDD triggers. Reg 35 PEPs. Reg 40 retention. POCA s.330 SARs. OFSI sanctions screening. Each is engineered to the UK framework, not a generic global product with a UK skin.
Founder-led, founder-accessible
Certivus is a focused execution team. The Founding 50 cohort has a direct WhatsApp line to Mehmood. Product decisions are made by people who answer customer calls. We will scale the team where it improves customer outcomes for mid-market practices — not because investors push us to grow for growth's sake.
Honest pricing, recurring free tier
Published rates. £49/month Starter, £149/month Professional. A genuine 5-verification-per-month free tier that recurs every month, with no credit card required. No quote-based pricing, no forced sales calls, no surprise renewal hikes.
UK data residency, UK supervision focus
Data stored in the UK. Tooling tuned for HMRC, ICAEW, ACCA, SRA, and the other UK supervisors. UK-specific things like the post-2023 UK domestic / foreign PEP distinction are built in correctly — not bolted on later.
Mehmood Rajoka
UK serial entrepreneur. Birmingham-based. Runs the Rajoka portfolio of businesses across accountancy services, property, legal services, and tech. Founded Certivus in 2026 after a decade of watching UK regulated practices run their MLR 2017 programmes through spreadsheets, folders, and quiet anxiety.
The Founding 50 cohort
Three UK accountancy practices already running Certivus — and the first 47 spots on the Founding 50 program are still available. Get 50% off for life, a direct WhatsApp line to Mehmood, and a quarterly Roadmap call.
“Certivus replaced our spreadsheet-and-folder AML workflow with a single system. Evidence is consistent across the team and the audit trail is ready when HMRC ask.”
“Onboarding new clients is faster and our compliance evidence is consistent across the team. That's the win — we trust the records.”
“Certivus is built for how a UK practice actually runs AML — not how a generic compliance tool thinks it should. That difference shows.”
The first 50 UK firms get 50% off for life and a direct WhatsApp line to the founder. See the Founding 50 offer →