Industry analysis
AML compliance for sole practitioner accountants
Mehmood Rajoka9 min readMay 2026
In brief: As a sole practitioner, you are simultaneously the accountant, the MLRO, and the compliance officer — AML compliance falls entirely on you, making a structured, documented workflow essential.
Key points
- Sole practitioners must meet exactly the same AML obligations as larger practices
- You are both the accountant and the MLRO — the MLRO must be formally documented
- Certivus starts free — 5 verifications/month, no credit card required
- A structured system from day one is far easier than retrofitting one at 50+ clients
- Most sole practitioners need the Starter plan at £49/month
AML compliance for accountants working alone — obligations, tools, and how to stay HMRC-ready without a compliance team.