AML regulators and supervision in the UK
A practical route through AML supervision for firms that need to understand who regulates them, what checks matter, and how to keep evidence ready.
How UK AML supervision works
Supervisors test whether a firm's controls exist, match what the firm actually does, and are evidenced. HMRC, the FCA, professional bodies, and the Gambling Commission each supervise defined sectors, with OPBAS overseeing consistency across the professional-body supervisors.
What findings usually concern
Gaps in evidence rather than absent controls. Firms are commonly doing reasonable work without recording the reasoning, which leaves nothing for a reviewer to assess and nothing for the firm to rely on if a decision is later questioned.
HMRC, FCA and AML Supervision: What UK Firms Need to Know
A practical guide to HMRC, FCA, professional body supervision, and how regulated firms should keep AML evidence ready.
11 minHMRC AML Meaning: What HMRC Supervision Means for Firms
What HMRC AML supervision means for accountants, bookkeepers, TCSPs, and other supervised UK businesses.
9 minFCA AML Regulations: What UK Firms Should Understand
How FCA AML expectations fit into UK financial crime systems, risk assessment, PEP treatment, controls, and evidence.
9 minHow to use these guides
These guides are written for UK accountants and law firms that fall under the Money Laundering Regulations. Start with the first guide if the topic is new to you, or go straight to the one that matches the question in front of you. Each guide opens with the practical answer and then sets out the detail.
Certivus is AML compliance software for UK accountants and law firms. See what Certivus does, pricing, or go back to audits inspections and the full resources library.