REAL AML SYSTEM
You Can Run. But You Can't Hide!
Most comprehensive checks with more than 20 search criteria providing complete coverage and beyond to meet regulatory compliance
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AML Checked Over 684,402 Unique Individuals and 70,840 Companies since 2018.
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Real Time Bankruptcy Update: Today = 16 Cases. Last Updated This Morning. Only Amicus Update Bankruptcy Data Real Time.
Breaking News: Basel AML Index 2025 Published — Singapore’s AML Risk Score Rises to 4.73. Click here for detail.
Important Notice: EAs/RESs are to FULLY comply with the PMLPFTF requirements for transactions that take place from 1 January 2026.
Following the Council for Estate Agencies (CEA)’s recent announcement on the updated guidelines for estate agents, which take effect on 30 June 2025, our team has already implemented the required changes to ensure full compliance across the portal.
3 Dimensions of Anti-Money Laundering Process
1) The Law
The legal landscape is shaped by international and national laws, with the Financial Action Task Force (FATF) setting global AML standards through its 40 recommendations, complemented by UN acts and conventions, frameworks from the IMF and World Bank, and enforcement tools like the Interpol Red Notice. At the national level, Singapore’s AML legislation, along with relevant national laws and enforcement agencies, plays a critical role in regulating and enforcing anti-money laundering measures.
2) The Data
The data comprises hard evidence gathered from three major silos: in-situ sources, international platforms, and regulators' APIs. This data is continuously updated under a structured regime.
3) The Operation
The operational process involves several complexities, including the coordination of numerous stakeholders such as the New Sales team, as well as the execution of critical phases like onboarding, ongoing management, and off-boarding checks.
Key Features of Amicus' AML Check
Conduct AML checks, view results, manage forms, and track audits—all in a single platform & designed for speed and simplicity without compromising on thoroughness.
Verify Client's Source of Fund/Source of Wealth
Verify the client’s source of funds through their property holdings and business activities.
Conduct Worldwide Google Search
Utilize Google’s Worldwide and Advanced Search functionalities to verify the client’s source of funds and identify any other relevant news or public information.
Perform real-time State Courts Crimal Trials/Bankruptcy Check
Undertake a real-time examination of the client's financial solvency and bankruptcy history.
Real-Time Search Company's Director and Shareholder via ACRA API marketplace
Access real-time corporate ownership and directorship details using the ACRA API marketplace.
Use of Artificial Intelligence to verify names and identities
Application of Advanced Artificial Intelligence Methods to Authenticate and Validate Names with High Precision.
Check Over 1000 Databases World Wide
Comprehensive Screening Across More Than 1000 Leading Global Databases
AML Report & Digitized Submission Forms
We provide a comprehensive Anti-Money Laundering (AML) reporting solution integrated with secure digitized form submission. It enables organizations to generate detailed AML compliance reports while facilitating the collection and processing of relevant documentation through electronic forms. By streamlining both reporting and documentation workflows, this system ensures regulatory adherence, data integrity, and operational efficiency within a fully digital environment.
GUIDANCE NOTE ON CONDUCT OF ECDD MEASURES & FILING OF STRO
(FLOW CHARTS)
Golden Passport Countries & Black/Grey List Countries & Basel Index for ML/TF RiskLast updated Dec 2025
CDD For Client & DD For Unrepresented Counterparty Form Flow
In compliance with the Council for Estate Agencies (CEA) regulations, all real estate salespersons are required to perform Customer Due Diligence (CDD) and Unrepresented Counterparty Due Diligence (UCPDD) as part of their obligations to prevent money laundering and terrorism financing.
Frequently Asked Questions
The following questions and answers are provided by the Council for Estate Agencies (CEA) and are based on the principles and requirements of Anti-Money Laundering and Countering the Financing of Terrorism (AML/CFT) measures. They are intended to guide estate agents and salespersons in fulfilling their regulatory obligations under the applicable laws and CEA guidelines.
AML
Q1:Can salespersons and clients complete and electronically sign the Customer’s Particulars Form and Real Estate Salesperson’s Checklist on Customer Due Diligence?
A: Both the Real Estate Salesperson’s Checklist on Customer Due Diligence and Customer’s Particulars Form may be completed and signed in hard copy or electronically. In addition, estate agents must keep a proper record of both documents and the supporting documents. The records may be kept in hard copy or in electronic form and must be kept for five years from the date of the transaction.
AML
Q2: Do estate agents and salespersons have to complete the Real Estate Salesperson’s Checklist on Customer Due Diligence and Customer’s Particulars Form for every transaction that he facilitates for a client whom he has an ongoing relationship with?
A:
Under regulation 9 of the Estate Agents (Prevention of Money Laundering and Financing of Terrorism) Regulations, where an estate agent has an ongoing business relationship with a client, the estate agent or salesperson must perform ongoing monitoring.
Examples of such clients are a developer who appoints the same estate agents or salespersons to market its various projects, a corporate client who regularly engages the same estate agent or salesperson to help its foreign employees find rental accommodation, or a Real Estate Investment Trust (REIT) property manager who engages the same estate agent or salesperson to lease out the properties it manages, etc.
Ongoing monitoring requires the estate agent or salesperson to periodically review the information and documents obtained as a result of customer due diligence measures to ascertain whether the transactions carried out by the client are consistent with the estate agent/salesperson's knowledge of the client and to identify suspicious transactions. Refer to paragraphs 46 to 48 and Annex F of the PMLFT Guide for guidance on ongoing monitoring.
AML
Q3: Does a salesperson have to complete the Real Estate Salesperson’s Checklist on Customer Due Diligence for his client?
A:
For every property transaction, salespersons must perform Customer Due Diligence (CDD) measures under the Estate Agents (Prevention of Money Laundering and Financing of Terrorism) Regulations 2021. CDD includes identifying and verifying the client's identity.
Salespersons are advised to
- complete the Real Estate Salesperson’s Checklist on Customer Due Diligence (CDD) on the client that they represent, and
- obtain and record the client’s identity in the Customer’s Particulars Form and request that their client acknowledge that the information recorded in the Customer’s Particulars Form is accurate.
This applies to:
- all types of property transactions including sale, purchase, lease, renewal of leases, en bloc, and
- all property types including residential, commercial, industrial, and foreign property.
