# AML Ongoing Monitoring & Records in the UAE

> Keep customer information and monitoring records useful after onboarding is complete.

Customer circumstances, ownership and transaction patterns can change over time. An ongoing review process helps a reporting entity notice when information or risk assessments need to be refreshed.
TGA can help structure review schedules, recordkeeping and escalation for activity that does not fit the expected customer profile.

## What we cover

- **Periodic client reviews:** Set risk-based triggers and timing for refreshing customer files.
- **Activity context:** Compare business activity with the information available about a client.
- **Evidence and retention:** Organise a clear record of reviews, decisions and follow-up actions.

## How we work

1. **Review the workflow:** Understand current monitoring and file maintenance.
2. **Identify triggers:** Agree changes or events that call for closer review.
3. **Document actions:** Set a practical record and escalation process.

## Useful information to share

- Customer review schedule
- Sample client and transaction records
- Escalation or exception logs
- Existing recordkeeping policy

Monitoring depth and retention requirements depend on the reporting entity's risk profile and applicable rules. A scoped review helps identify the right process.

Official guidance: [Ministry of Economy and Tourism DNFBP guidance](https://www.moet.gov.ae/documents/20121/465917/DNFBP%2BGuidelines%2B-%2BMarch%2B2026.pdf)

Discuss the service with [TGA](https://www.tga-uae.com/contact).