AML/CFT Kingdom of Saudi Arabia

Your evidence, ready before the inspector asks.

Supervisory inspections of DNFBPs are intensifying, and an inspector can ask for your evidence with no notice. Sanad records the trail as you work, then assembles a sealed inspection package that shows both what is ready and what is still missing.

Check your readiness — freeSee how it works →
5
compliance pillars
10 yr
record retention
1
sealed inspection package
Built aroundAML Law M/20·Ministry of Commerce·SAFIU reporting workflow·FATF high-risk lists
The pipeline

From first contact to evidence-backed report: one continuous, audited flow.

01
Onboard
Documentary CDD
02
Screen
Sanctions + PEP
blocks
03
UBO
SMO fallback
04
Risk score
4 vectors · explainable
05
Monitor
Transactions vs profile
✓
Record STR
MLRO · portal receipt

Controls and evidence an inspector can trace.

01 · Governance

A designated MLRO with sole authority to file.

Staff escalate; the MLRO confirms or dismisses, and tipping-off is prevented by design. Every decision is logged to the trail.

02 · Risk

Risk-based scoring

A codified Low/Medium/High matrix across four vectors, scored before the relationship starts. Rule-based and explainable.

03 · CDD

Due diligence

Natural persons and legal entities, UBO at 25%, EDD for PEPs and high-risk jurisdictions behind a sign-off gate.

04 · Monitoring

Transactions & STR

A monitoring log, a restricted alert register, and a portal-ready SAFIU dossier with recorded receipts.

05 · Records

10-year audit trail

Hash-chained actions and 10-year retention metadata, with production Object Lock status shown explicitly.

On demand

Inspection export

One click produces the KSA_AML_Compliance_Master/ directory with current control status, recorded evidence, checksums, and visible gaps.

Built for you, not retrofitted from a bank platform.

  • Switch on today. Pre-configured by sector, no six-month rollout.
  • KSA-native evidence. SAFIU portal dossier and receipt trail, with documentary identity capture today.
  • Explainable by design. Traceable rule-based logic, not black-box AI.
  • Priced for SMEs. For businesses without a compliance department.

What founders ask before switching on.

Can't find your answer? Talk to us.

Who is Sanad for?+
DNFBPs in Saudi Arabia (real-estate brokers, dealers in precious metals and stones, law firms, and accountants) that carry AML/CFT obligations but have no dedicated compliance team.
How is this different from enterprise platforms?+
Those serve banks and government at enterprise scale and setup. Sanad is vertical and self-serve: pre-configured by sector, built around the manual SAFIU portal workflow, and priced for SMEs.
Does it submit Suspicious Transaction Reports to SAFIU?+
Not without an authorized SAFIU integration. Sanad prepares a bilingual portal-entry dossier and validated sidecar; after the MLRO submits through TAQASIY, they record the real portal reference and upload the receipt. A draft is never shown as submitted.
How does identity verification and UBO work?+
Documentary identity capture is available now; the Nafath/Yakeen demo screens are explicitly marked as simulated until authorized provider access is connected. UBOs are traced to natural persons at the 25% threshold, or to the Senior Managing Official fallback, and every recorded owner is screened.
How long is data kept, and is it tamper-proof?+
Sanad records 10-year retention metadata and a hash-chained audit trail. Storage is described as WORM only when the production object store confirms Object Lock enforcement; demo storage is visibly labelled simulated.
How does Sanad prepare us for a Ministry of Commerce inspection?+
Sanad creates a sealed KSA_AML_Compliance_Master snapshot with current control status, recorded evidence and per-file checksums. Missing or manually supplied artifacts stay visibly pending until your team uploads them.
3 minutes, free

Be ready before they knock.

Take the 16-question readiness check drawn from what inspectors actually request — instant score, no signup.

Check your readiness