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The STR/SAR Filing on goAML Portal Guide explains how businesses and financial institutions can report suspicious transactions and activities to the UAEu2019s Financial Intelligence Unit (FIU). It covers the filing process, required information, compliance obligations, and steps to ensure accurate and timely submissions on the goAML system.
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VAT Return Filing Deadline – Everything You Need to Know About UAE VAT Compliance STR/SAR Filing on goAML Portal – A Complete Guide to Secure and Compliant Reporting December 01, 2025 STR/SAR Filing on goAML Portal is one of the most essential compliance responsibilities for UAE businesses, ?nancial institutions, DNFBPs (Designated Non-Financial Businesses and Professions), and regulated entities. A strong understanding of Suspicious Transaction Reports (STR) and Suspicious Activity Reports (SAR) ensures your organization remains compliant with UAE AML/CFT laws while preventing hefty penalties and legal risks. What Is STR/SAR Filing? STR (Suspicious Transaction Report) and SAR (Suspicious Activity Report) ?ling refers to reporting unusual, high-risk, or suspicious ?nancial behavior to the UAE Financial Intelligence Unit (FIU). This helps authorities detect money laundering, fraud, terror ?nancing, and other illicit activities. Under UAE Federal Decree Law No. (20) of 2018, STR/SAR reporting is a mandatory legal obligation for all regulated businesses. What Is the goAML Portal? The goAML portal is an advanced reporting platform developed by the UN O?ce on Drugs and Crime (UNODC) and adopted by the UAE FIU. It is used to: Submit STR/SAR reports Update business AML compliance details Receive FIU feedback and noti?cations Maintain secure communication with authorities Every regulated business must register and activate its account on the goAML portal to remain compliant. Why STR/SAR Filing Is Important for UAE Businesses A proper STR/SAR submission protects your business from:
✔Regulatory penalties (ranging from AED 50,000 to AED 5 million) ✔License suspension or cancellation ✔Reputational damage ✔Legal investigations Timely reporting also shows your company’s commitment to ?nancial transparency and risk management. When Should You File an STR/SAR on goAML? You must submit a report when you notice: Large or frequent cash transactions without clear business purpose Transactions inconsistent with the customer’s pro?le Suspicious real estate or high-value goods purchases Unusual international transfers Attempts to hide identity, ownership, or source of funds Activities suggesting potential terror ?nancing If in doubt, always ?le — the UAE law prefers over-reporting to under-reporting. Step-by-Step Process for STR/SAR Filing on goAML Portal 1. Register on goAML Submit registration through MOEI (Ministry of Economy) website Receive CRN and activate your pro?le Get approval from FIU 2. Login to goAML Use your approved credentials and follow two-factor authentication. 3. Select the Appropriate Report Type STR – for suspicious transactions SAR – for suspicious activities 4. Fill Out the Required Fields
Provide details such as: Customer information Nature of suspicion Transaction details Supporting documents 5. Submit the Report Your submission is encrypted and reviewed by FIU analysts. Best Practices for Accurate STR/SAR Filing Maintain an internal AML/CFT compliance program Train employees to identify suspicious behavior Keep detailed records of customer KYC documents Update your risk assessments frequently Conduct enhanced due diligence for high-risk clients Common Mistakes to Avoid ❌ Missing mandatory ?elds ❌ Submitting incomplete or unveri?ed data ❌ Not attaching supporting documents ❌ Delayed submissions ❌ Ignoring red ?ags Conclusion STR/SAR Filing on goAML Portal is a vital part of UAE AML compliance and a legal duty for all regulated entities. Filing accurate, timely, and detailed reports protects your business from heavy penalties and strengthens your reputation as a trusted, compliant organization. To leave a comment, click the button below to sign in with Google.
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