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Module 1 — KYC Foundations + UAE Compliance Landscape
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KYC vs AML vs CDD vs EDD: practical differences
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UAE compliance ecosystem: regulator expectations (high-level, operational)
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“Risk-Based Approach” in onboarding: why it matters in UAE audits
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Typical UAE onboarding workflow (sales → onboarding → compliance → approval)
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Activities
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Quick diagnostic: “Is this CDD or EDD?” 10 scenarios
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Document mapping exercise: Individual vs Corporate pack
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Output
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UAE KYC Starter Checklist (v1)
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Test your understanding- 1
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Module 2 — Customer Identification & Verification (Individuals)
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Identification vs verification vs validation (what evidence proves what)
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UAE customer types: residents vs non-residents; common onboarding risks
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Source of funds vs source of wealth (practical distinction)
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Red flags: forged IDs, inconsistent info, proxy behavior, unusual urgency
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Activities
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Mini case file: build a compliant CDD record from raw inputs
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“What would you ask next?” questioning drill
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Output
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Individual CDD file template + case notes format
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Test your understanding- 2
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Module 3 — Corporate CDD + UBO in Practice
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Corporate onboarding in UAE: mainland vs free zone (operationally)
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Ownership vs control: how to identify UBO correctly
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Complex structures: nominees, layers, offshore links, trusts (risk handling)
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KYB document logic: what proves existence, authority, ownership, activity
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Activities
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UBO tracing worksheet (2–3 layer structure)
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Authority matrix: who can sign, who can operate
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Output
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Corporate CDD checklist + UBO tracing sheet
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Test your understanding- 3
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Module 4 — Customer Risk Assessment & CDD Controls
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Risk scoring model: customer risk, product/service risk, geography, channel
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Enhanced monitoring triggers: thresholds, patterns, behavior change
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Ongoing due diligence (ODD): when and how to refresh KYC
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Record keeping & audit readiness: what examiners typically look for
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Activities
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Build a basic risk scorecard (simple, implementable)
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Review 6 profiles and decide risk rating + next action
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Output
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Risk scorecard template + refresh cycle logic
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Test your understanding- 4
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Module 5 — EDD Deep Dive
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When EDD is mandatory: what “high-risk” means in real life
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EDD toolkit
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Handling PEPs, high-risk geographies, cash-intense businesses, complex corporates
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Writing EDD narrative: what to document to defend decisions
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Activities
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EDD case: “PEP + corporate + unusual funding story”
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Output
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EDD memo template + monitoring plan template
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Test your understanding- 5
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Module 6 — Screening, Adverse Media, Escalation & Practical SOP
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Screening types: sanctions, PEP, watchlists, adverse media
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Matching logic: true match vs false positive (decision framework)
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Escalation pathway: when to stop onboarding, when to file internal report
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Quality controls: 12 common onboarding mistakes in UAE
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Building your internal SOP: checklists, approvals, documentation standards
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Activities
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Matching simulation: resolve alerts with evidence and notes
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Create your “KYC SOP – 1 page”
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Output
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1-page SOP + final CDD/EDD pack
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Test your understanding- 6
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FINAL EXAM
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FINAL EXAM
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Launch your Graphy