Certivus
Compliance workflows with evidence built in.
Certivus is AML compliance software for UK accountants and law firms, helping practices manage client onboarding, identity verification, customer due diligence, PEP and sanctions screening, and compliance evidence workflows.
Overview
Certivus is a cloud-based AML and KYC compliance platform designed for UK accountants and law firms operating under the Money Laundering, Terrorist Financing and Transfer of Funds (Information on the Payer) Regulations 2017. The platform provides structured workflows for client onboarding, identity verification, customer due diligence, PEP and sanctions screening, client risk assessment, and compliance evidence management.
The software is operated by WOWL LIMITED (Company No. SC770389), a company registered in Scotland. Certivus is part of the Rajoka portfolio — a group of operating companies focused on professional services infrastructure for SMEs.
Certivus was built by Mehmood Rajoka, a former accountant who spent ten years managing AML compliance at RR Accountants, a UK practice. The product was created to address the inefficiencies of managing AML compliance through spreadsheets, email chains, and paper records — the approach still used by the majority of small UK accountancy practices.
Certivus is supervised by HMRC as a relevant business under the MLR 2017 for the purpose of its own operations.
Quick facts
- Type
- SaaS (Software as a Service)
- Category
- AML compliance software
- Primary market
- United Kingdom
- Founded
- 2024
- Legal entity
- WOWL LIMITED
- Company number
- SC770389
- Registered
- Edinburgh, Scotland
- Founder
- Mehmood Rajoka
- Parent company
- Rajoka (portfolio company)
- Website
- certivus.com
- Pricing
- From £0/month (public)
Product
Certivus provides the following compliance workflow modules:
- Client intake and onboarding
- Identity verification (KYC)
- Customer due diligence — Standard, Simplified, and Enhanced
- PEP and sanctions screening (1,100+ global lists)
- Client risk assessment (Low, Medium, High, EDD)
- Evidence vault
- AML checklist with owner assignment
- Audit-ready PDF export
Market
The platform targets UK accountancy practices of all sizes — from sole practitioners to firms managing 500+ clients. It also serves law firms, advisory firms, and professional services businesses subject to HMRC or professional body AML supervision.
Key use cases include HMRC-supervised accountancy practices, ICAEW/ACCA/CIMA member firms, and legal practices supervised by the SRA.
Regulatory context
UK accountants are required to comply with the Money Laundering Regulations 2017 (as amended). Most accountancy practices are supervised by HMRC. Larger or more complex practices may be supervised by their professional body — ICAEW, ACCA, CIMA, or ICAI.
Certivus supports compliance workflows but does not make final AML or KYC decisions — those remain with the authorised person or firm.
Company information
- Legal name
- WOWL LIMITED
- Trading name
- Certivus
- Company number
- SC770389
- Registered office
- 5 South Charlotte Street, Edinburgh, EH2 4AN
- ICO registration
- ZB817590
- Contact
- support@certivus.com
- Phone
- +44 330 043 7643
Certivus supports AML, KYC, and compliance workflows. Final compliance decisions remain with the authorised person or firm.
Related reading
What is AML compliance?
A plain-English guide to AML obligations for UK accountants and law firms.
AML and KYC glossary
Plain-English definitions of 20 key compliance terms every accountant needs to know.
AML software for MLROs
How Certivus supports the nominated Money Laundering Reporting Officer.
Pricing from £0/month
Transparent monthly pricing. Starter plan at £49/month covers 50 verifications.