UK AML - CFT Property: When the fine letter lands.

Regulatory compliance - Anti-money laundering
What MLROs and directors need when the regulator comes knocking

This Advanced course is written for MLROs, compliance leads, directors and owners at HMRC-supervised estate and letting firms - the people accountable when the regulator comes knocking. It covers governance and the MLRO mandate, surviving an HMRC inspection, sanctions and asset-freeze duties, failure to prevent fraud, corporate criminal liability, and building an AML/CFT programme that holds up under enforcement.

You'll learn how to define and resource the MLRO role, prepare for and survive an HMRC inspection, meet financial-sanctions and OFSI reporting duties, build the six-principle reasonable-procedures defence to the failure-to-prevent-fraud offence, and understand corporate criminal liability under the reformed identification doctrine. By the end, you'll be able to lead an AML/CFT programme that stands up to audit, inspection, and the 2026 reforms.

Access

Self-Paced Learning

Modules

10 Modules

Certification

Certificate of Completion

Price

€450
Learning Objectives
Course Benefits
Modules
By the end of this course, learners will be able to:

  • Define the MLRO mandate and put in place the governance an HMRC-supervised firm is expected to have
  • Prepare for and survive an HMRC inspection, knowing what inspectors check and how penalties are set
  • Meet financial-sanctions and asset-freeze duties, including mandatory OFSI reporting
  • Apply the failure-to-prevent-fraud offence and build the six-principle reasonable-procedures defence
  • Understand corporate criminal liability and the reformed identification doctrine under ECCTA 2023
  • Build an AML/CFT programme that holds up under enforcement, audit, and the 2026 reforms
Benefits for the Organisation

• Equip your MLRO, deputy, compliance team and directors to meet the duties they are personally accountable for
• Reduce the risk of HMRC penalties, asset-freeze breaches, and prosecution caused by weak controls
• Evidence completed AML/CFT training for senior staff, with assessment results and certificates for inspection
• Standardise what your senior and accountable staff understand about the money laundering regime, with no improvised controls
• Save directors and owner-managers the time and cost of correcting avoidable compliance failures

Benefits for Learners

• Understand what the MLRO mandate and the money laundering regime require of you in practice
• Lead an HMRC inspection with confidence, knowing what is checked and how penalties are decided
• Meet sanctions and OFSI reporting duties and avoid the asset-freeze traps that catch firms out
• Build the reasonable-procedures defence to the failure-to-prevent-fraud offence
• Pass the assessment knowing every answer reflects how enforcement works in practice

Lesson 1: Welcome and how this works
Get oriented to the course and to the MLRO's world, see how the course works, and acknowledge the disclaimer before you begin.

Lesson 2: Governance and the MLRO mandate
Define the MLRO role, the authority and resources it needs, and the governance an HMRC-supervised firm must put in place.

Lesson 3: When the regulator inspects
See what an HMRC inspection looks like, what inspectors check, and how penalties are decided, so you are ready before the letter lands.

Lesson 4: Sanctions and the asset-freeze trap
Meet financial-sanctions and OFSI reporting duties, and avoid the asset-freeze traps that catch property firms out.

Lesson 5: Failure to prevent fraud
Understand the failure-to-prevent-fraud offence and build the six-principle reasonable-procedures defence.

Lesson 6: Corporate criminal liability
See who can be prosecuted and how the reformed identification doctrine attributes an offence to the firm.

Lesson 7: Building a programme that survives
Pull it together into an AML/CFT programme that stands up to audit, inspection, and the 2026 reforms.

Lesson 8: Resources and where to get help
Build your reference shelf: MLR 2017, POCA 2002, the ECCTA 2023 fraud offence, and OFSI and HMRC guidance to return to.

Lesson 9: Final assessment
Ten multiple-choice questions covering the whole course, with an 80% pass mark and two attempts, each question tied to a course outcome.

Lesson 10: Conclusion - feedback and certificate
Share your feedback on the course and claim your certificate of completion.

CORPORATE TRAINING

We Can Train Your Employees

Every organisation is different - and so are its learning needs.

Request a call back to talk through:


  • Your current onboarding or training challenges
  • Skills gaps across teams or roles
  • Compliance, wellbeing, or development priorities
  • How digital learning can support performance and retention
  • Special pricing options for multiple seats or team-wide access


We’ll help you explore practical, people-first solutions that fit your organisation.

Course FAQ's

Who is this course for?

MLROs, deputy MLROs, compliance leads, directors and owners at HMRC-supervised estate and letting firms - the people who carry personal accountability under the money laundering regime.

It assumes a working knowledge of AML/CFT basics; the Foundation and Intermediate courses provide that grounding if you need it first.

Where and when can I take this course?

The course can be taken at any time and from any internet-connected device.

Do I need prior knowledge or experience?

This is an advanced-level course for senior and accountable staff. It assumes a working knowledge of AML/CFT basics - the Foundation and Intermediate courses provide that grounding if you need it first.

Can this course be used for company-wide training?

Yes. It is ideal for equipping your MLRO, deputy, compliance team, directors and senior managers - the people who run the AML/CFT programme and carry personal liability for it.

Do I get a discount if I buy multiple seats for this course?

Yes. Please contact us and we will issue a quote according to your needs.

Will managers be able to track progress and completion?

Yes. Branch managers and administrators can track learner progress, completion rates, and assessment performance across the course.

This gives clear visibility on engagement and outcomes, making it easier to monitor participation, support staff where needed, and evidence completed AML/CFT training to auditors and HMRC.

Is this course part of a larger AML/CFT programme?

Yes. This is the Advanced course in the UK AML/CFT for the Property Sector bundle - written for MLROs, compliance leads and directors. It follows the Foundation course, for all staff, and the Intermediate course, for nominated officers and managers who run the controls day to day.

All three courses in the bundle can be taken as stand-alone courses.