RegTech · AML · FinTech

Enable the simplicity of regulatory compliance!

AI-powered Anti-Money Laundering platform purpose-built for SMEs — implement AMLO compliance with minimal cost and zero operational burden.

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1B+

Entities Covered

183+

PEP Countries

10K+

Data Sources

Years of Records

Core Capabilities

✓KYC & ID Verification
✓AML/CFT/PEP Screening
✓AI Adverse Media (CDD)
✓Risk Assessment
✓Transaction Monitoring
✓Secure Record Keeping
✓Ongoing Monitoring

Why It Matters

Money Laundering is a Growing Threat

Hong Kong — as Asia's premier financial centre — faces escalating AML risk.

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Global Scale

Estimated USD 1.6 trillion is laundered globally every year.

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Rising in HK

92,115 STRs filed in Hong Kong in 2017 — a 20.27% increase.

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Expanding Scope

AMLO 2018 extended obligations to 7 new industries beyond banks.

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Severe Penalties

Non-compliance carries fines up to HK$1M per breach, licence revocation, and criminal prosecution.

USD1.6T

Laundered globally per year (UNODC)

92K+

STRs filed in HK (2017)

20%↑

Year-on-year STR growth

HK$1M

Maximum fine per breach

Understanding AMLO

What is AMLO and How Does It Affect You?

The Anti-Money Laundering and Counter-Terrorist Financing Ordinance (Cap. 615) is Hong Kong's primary legislation governing AML/CFT obligations.

2012

AMLO Enacted

The original ordinance brought Hong Kong's major financial institutions under mandatory AML/CFT obligations for the first time.

2018 Amendment

Extended to DNFBPs

Extended to estate agents, accountants, solicitors, money lenders, money service operators, and trust and corporate service providers.

2023 Amendment

Virtual Asset Regulation

Virtual Asset Service Providers brought under mandatory licensing and AML/CFT requirements.

Ongoing

Continuous Tightening

FATF mutual evaluations drive ongoing updates. Businesses must keep pace with evolving guidance.

Your Obligations

Customer Due Diligence

Verify customer identity before establishing a business relationship.

Record Keeping

Retain all CDD and transaction records for minimum 5 years.

STR Reporting

Report suspicious transactions to JFIU within 2 working days.

Risk Assessment

Document risk assessments for customers, products, and channels.

Staff Training

Regular AML/CFT training for all relevant employees.

Ongoing Monitoring

Continuously monitor for unusual patterns and update risk profiles.

Enforcement Actions

The Cost of Non-Compliance

Regulators are actively pursuing enforcement. These illustrative cases reflect the type of actions taken by HKMA, SFC, C&ED, and ICAC.

Money Service Operator

MSO Fined for Inadequate CDD

A licensed money exchange operator failed to verify customer identities for transactions above the regulatory threshold over 18 months.

⚖️ HK$2.5M Fine + Suspension

Legal Profession

Solicitor Prosecuted for Facilitating Laundering

A senior partner allowed client accounts to receive and transfer funds from unknown sources without CDD, and failed to file required STRs.

⚖️ Criminal Prosecution + Disbarment

Estate Agency

Agency Sanctioned for Missing STR Filings

A real estate agency completed high-value transactions without buyer identity verification and failed to detect or report suspicious payment structures.

⚖️ Licence Suspension + HK$800K Fine

Accountancy Firm

CPA Firm Penalised for Inadequate AML Procedures

No documented AML framework, no staff training records, and multiple high-value clients without CDD — discovered in a routine inspection.

⚖️ Regulatory Sanction + Practice Restriction

Why JustAML

Compliance Without Complexity

JustAML handles the complexity so you can focus on your business.

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Instant Verification

KYC checks completed in seconds — no manual data entry, no delays.

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AI-Powered Accuracy

LLMs reduce false positives, improving compliance officer efficiency.

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Always Up to Date

Sanctions lists and adverse media are refreshed in real-time.

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Built for SMEs

Simple interface, low cost, and guided compliance workflows.