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Zoho, Odoo, ERPNext, Dynamics 365 and custom ERP, delivered by one accountable team.
Software can collect customer files, flag cash transactions over a threshold and keep records for the required period. It cannot decide what is suspicious. That stays with your compliance officer.
ERP software can support AML compliance in the UAE by capturing customer due diligence data at onboarding, flagging transactions above a reporting threshold and keeping records retrievable for the required period. It cannot decide what is suspicious; that stays with the compliance officer. DNFBPs such as precious metal dealers, real estate brokers and corporate service providers use Zoho, Odoo, ERPNext or Dynamics 365 this way.
Searches for AML compliance software UAE usually come from dealers in precious metals and stones, real estate brokers, accounting and audit firms and corporate service providers. These are Designated Non-Financial Businesses and Professions (DNFBPs). Their AML obligations sit next to everyday sales, invoicing and payment collection, which is why the ERP or CRM often holds most of the data a compliance officer needs.
The framework changed in 2025. Federal Decree-Law No. 10 of 2025 on anti-money laundering and combating the financing of terrorism and proliferation financing replaced Federal Decree-Law No. 20 of 2018, with Cabinet Resolution No. 134 of 2025 as its Executive Regulations. Most DNFBPs are supervised by the Ministry of Economy and Tourism, while lawyers and notaries fall under the Ministry of Justice. Reports go to the UAE Financial Intelligence Unit through the goAML portal.
Our role is practical. We configure Zoho, Odoo, ERPNext or Dynamics 365 so customer due diligence data is captured at onboarding, transactions above a reporting threshold are flagged, and records are kept and retrievable. We do not provide screening lists, risk ratings or legal opinions, and an ERP is not a substitute for a dedicated screening service or for your compliance officer's judgement.
This is a summary of published rules and supervisor guidance, offered as general information, not legal advice. Your compliance officer and legal advisor decide how they apply to your business, and supervisors update guidance regularly.
DNFBPs are required to register on goAML, the UAE FIU's reporting platform, and file suspicious transaction or activity reports there. The ERP can supply transaction history and customer details for a report, but the decision to file is the compliance officer's.
Ministry of Economy and Tourism guidance for 2026 says dealers must file a DPMSR for cash transactions of 55,000 dirhams or more with resident or non-resident individuals, and for transactions of that size with companies whether paid in cash or by wire. The obligation applies even when due diligence is complete and no red flags exist.
Ministry circulars require a Real Estate Activity Report for certain freehold purchases, including those paid wholly or partly in cash at or above 55,000 dirhams, or paid with virtual assets or funds converted from them. Capture the payment method on every deal so these cases surface automatically.
Supervisor guidance asks entities to keep transaction records, due diligence documents and related analysis for at least five years from the latest relevant event, such as the end of the business relationship or completion of an occasional transaction. Records must be detailed enough to reconstruct transactions.
Independent accountants, auditors and corporate service providers have obligations when they carry out specified activities for clients, such as company formation or managing client funds. Engagement and client records in a practice ERP can support that work.
General information, not tax or legal advice. Rules change; confirm current FTA, MOHRE and Ministry of Finance guidance with your advisor.
Use this list to test a system with your own sample customers and transactions. Each item supports, rather than replaces, the compliance officer.
The ERP records and flags. People review and decide. Keep that split visible in the workflow and in user permissions.
One shared database: every step updates stock, finance and reports in real time.
None of these platforms is an AML screening product. Each can hold due diligence data, payment details and alerts when configured. Confirm features against your edition.
| Zoho (CRM and Books) | Odoo | ERPNext | Dynamics 365 | |
|---|---|---|---|---|
| Onboarding and documents | Zoho CRM layouts with mandatory fields and attachments | Contact fields, documents app and approvals | Custom fields and attachments on Customer | Customer cards with custom fields, or Dataverse forms |
| Payment method capture | Payment modes in Zoho Books | Payment methods on journals and POS | Mode of Payment on payment entries | Payment methods on journals |
| Threshold alerts | Workflow rules and Deluge functions | Automated actions and server rules | Notifications and server scripts | Power Automate flows or workflow extensions |
| Access control | Profiles, roles and field permissions | Access groups and record rules | Role permissions and user permissions | Permission sets and security roles |
| Screening against lists | Through a third-party integration | Through a third-party integration | Through a third-party integration | Through a third-party integration |
Sanctions and watch-list screening should use a specialised service or the sources your supervisor specifies. We can integrate a service you choose; we do not supply screening data.
Typical ranges for a DNFBP adding AML data capture to an existing Zoho, Odoo, ERPNext or Dynamics system. Your compliance officer should be involved at every step.
Durations are typical ranges; your plan is agreed after discovery.
We review your AML policy with the compliance officer and list the data points, thresholds and approvals the system must support.
Onboarding forms, payment method rules, alerts, restricted fields and retention settings are built in a test environment.
We run sample cases, including split payments and expired documents, and confirm alerts reach the right person.
Front-line staff learn what to capture; the compliance officer learns how to review, export and evidence decisions.
AML data sits inside your sales, CRM and document processes.
On-site workshops in Dubai, Abu Dhabi and Sharjah, and remote or on-site delivery across the Northern Emirates and free zones.
Official sources and references
Facts on this page were checked against these sources in October 2026. Rules change, so confirm current requirements before acting.
Still have a question? Our consultants are happy to help.
Ask an ExpertNo. goAML reports are prepared and submitted by your registered users on the FIU's platform. The ERP can provide the customer and transaction details in a usable format, which saves time, but the decision and submission remain with the compliance officer.
No software makes a business compliant on its own. Compliance depends on your risk assessment, policies, training, screening and the judgement of your compliance officer. A well-configured ERP makes the data more complete and easier to evidence.
Customer identity for transactions that reach the reporting threshold, the payment method, and links between related purchases. Configure the POS so the cashier cannot complete a qualifying cash sale without the required fields, and route an alert to the compliance officer.
Supervisor guidance sets a minimum of five years from the latest relevant event, such as the end of the customer relationship. Set the ERP so these records cannot be deleted early, and make sure archived records can still be searched.
The two need to be balanced. AML law requires you to keep certain records, while data protection law limits how personal data is used and shared. Restrict access to compliance data and document why you keep it.
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Walk us through your onboarding and payment process, and we will show where the ERP can support your compliance officer.
Dubai, United Arab Emirates
