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Who we serve

Every firm with a duty to stop financial crime.

If you are supervised for AML by the FCA, HMRC, the SRA or a professional body, or you are regulated in Pakistan, we already understand your obligations.

Payments and e-moneyCrypto and digital assetsBanks and lendersInvestment and wealthLaw firms and conveyancersAccountants and advisersPropertyHigh-value and other regulatedPakistan
PIs, EMIs, remitters

Payments and e-money

FCAPSRs 2017EMRs 2011MLR 2017

AML that keeps payment firms banked. Payment and e-money firms face intense FCA scrutiny and demanding sponsor banks. We build proportionate frameworks, clear screening backlogs and close the evidence gaps that put banking relationships at risk.

Payment institutionsE-money institutionsE-payment providersMoney remitters and MSBsCard issuers and acquirersOpen banking (AISP and PISP)BNPL and lenders
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How we help
  • AML framework and business-wide risk assessment
  • Merchant and corporate onboarding due diligence
  • Screening alert backlogs and adjudication
  • Sponsor and partner bank due diligence packs
  • Fractional MLRO
  • Agent and distributor oversight
Exchanges, custodians, VASPs

Crypto and digital assets

FCA gatewayFSMATravel RuleMLR 2017

Ready for the FCA crypto regime. The FCA authorisation gateway is open until 28 February 2027. MLR-registered firms do not convert automatically. We prepare the financial crime framework your application will be judged on.

Crypto exchangesCustodians and wallet providersBrokers and OTC desksStablecoin issuersCrypto ATM operatorsTokenisation businesses
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How we help
  • Gateway readiness review
  • AML and sanctions framework
  • Travel Rule procedures
  • Blockchain-risk policy
  • Bank onboarding packs
  • Staff training
Banks, building societies, lenders

Banks and lenders

FCAPRAJMLSG

Capacity and judgement for complex files. When onboarding queues grow or a complex corporate lands on your desk, we provide senior EDD and investigations capacity without adding headcount, including structured due diligence on VASPs and payment firms seeking banking.

Retail and commercial banksBuilding societiesSpecialist and commercial lendersCorrespondent banking teamsBanks onboarding VASPs and PSPs
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How we help
  • Corporate KYC and EDD
  • UBO investigations
  • Periodic review backlogs
  • VASP and PSP due diligence
  • Alert adjudication
  • Remediation programmes
Wealth managers, funds, IFAs

Investment and wealth

FCAJMLSGMLR 2017

EDD for high-net-worth clients. FCA-regulated wealth managers and advisers carry full MLR obligations, including enhanced due diligence for high-net-worth clients and complex asset structures. We document source of wealth properly.

Wealth managersIndependent financial advisersFund managersFamily officesPrivate banks
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How we help
  • Source of wealth evidence
  • PEP due diligence
  • Trust and structure analysis
  • CDD workflow builds
  • MLRO support
Solicitors, conveyancers, barristers

Law firms and conveyancers

SRAFCA from transitionLSAGMLR 2017

Ready for FCA supervision. AML supervision for legal services is moving to the FCA. We help firms evidence client and matter risk, source of funds for property, and firm-wide controls to the standard the new supervisor will expect.

Law firmsConveyancersLicensed conveyancersBarristers and chambers
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How we help
  • Firm-wide risk assessment
  • Client and matter risk
  • File reviews
  • Source of funds for property
  • MLRO support
Accountants, tax advisers, TCSPs

Accountants and advisers

HMRCICAEWACCAMLR 2017

Practical AML for professional practices. HMRC and professional-body supervised practices must run business-wide risk assessments, client due diligence, ongoing monitoring and an MLRO function. We build AML that fits how you actually work.

Accountancy practicesTax advisersInsolvency practitionersBookkeepersTrust and company service providersCompany formation agents
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How we help
  • Practice-wide risk assessment
  • Policies and procedures
  • Client risk rating
  • MLRO advisory
Estate agents, letting agents, surveyors

Property

HMRCMLR 2017

Source of funds you can rely on. High-value property is a priority money laundering risk. We help agents and property professionals verify buyers and funds properly, with frameworks and checks for residential and commercial transactions.

Estate agentsLetting agentsSurveyorsProperty developersAuction houses
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How we help
  • Buyer and seller CDD
  • Source of funds checks
  • AML framework
  • Staff training content
Art, dealers, gambling

High-value and other regulated

HMRCGambling CommissionMLR 2017

Specialist support for niche sectors. Art market participants, high value dealers and gambling operators carry specific AML duties. We tailor controls to your risks rather than borrowing a bank framework.

Art market participantsHigh value dealersCasinos and gambling operatorsLuxury goods businesses
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How we help
  • Risk assessment
  • Customer due diligence
  • Sanctions screening
  • Policy builds
VASPs, banks, fintechs, DNFBPs

Pakistan

PVARASBPAMLA 2010FATF

Pakistan's virtual asset regime, mapped. Specialist support across PVARA, AMLA 2010, SBP and FATF frameworks: NOC readiness, AML/CFT frameworks and goAML workflows for virtual asset firms, and structured VASP due diligence for the banks that serve them.

VASPsBanks onboarding VASPsFintechs and remittance firmsLaw firms (DNFBPs)Real estate businesses
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How we help
  • NOC readiness assessment
  • AML/CFT framework build
  • goAML STR workflows
  • Travel Rule compliance
  • Fit and proper preparation
Why KYCifi

Built for complex compliance.

Other consultants decline the difficult cases. We take them on: multi-jurisdictional structures, PEPs, high-value crypto portfolios, trusts and corporate chains with international owners.

UK and Pakistan expertise

UK MLR 2017, FCA and HMRC frameworks alongside PVARA, AMLA 2010 and SBP requirements, under one roof.

Institutional pedigree

Senior experience at KPMG, Deloitte, BNY, HSBC and Citibank, with thirteen years in financial crime.

Complex cases welcome

Multi-jurisdictional structures, PEPs, high-value crypto and international ownership chains.

Technology-enabled

LÆdar, our own engine, does the research legwork so practitioners spend their time on judgement.

About LÆdar
Free case assessment

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