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AML Checked Over 646,903 Unique Individuals and 65,616 Companies since 2018.

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30 JUNE

Important Notice: CEA Guideline Changes (Effective 30 June 2025)

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.

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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.

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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.

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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.

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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.

View AML Full Reports Forms Process Guide
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GUIDANCE NOTE ON CONDUCT OF ECDD MEASURES & FILING OF STRO
(FLOW CHARTS)

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Golden Passport Countries & Black/Grey List Countries & Basel Index for ML/TF RiskLast updated Jan 2025

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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.

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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.

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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. 

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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. 

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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.

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