AML / CFT / CPF Compliance Regulatory intelligence Technology — United Arab Emirates
ZLORYX is a technology platform for AML / CFT / CPF compliance workflows for regulated businesses in the UAE, with advisory and operational support around the same work.
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What ZLORYX is
Not a traditional AML consultancy. Not a generic software start-up. ZLORYX sits where the three meet — and builds from there.
A clear, current reading of what the UAE AML / CFT / CPF framework asks of your business — and what it will ask next.
A client Platform that keeps every customer and entity, with its screening results, decisions and evidence, in one resolved view.
Advisory and operational support that understands the obligation, builds the programme and keeps it working.
The field
A regulated business in the UAE answers to a federal AML / CFT / CPF framework, a supervisory authority, the UAE Financial Intelligence Unit and a sanctions regime — each with its own expectations, timelines and evidence.
Customer due diligence, beneficial ownership, sanctions screening, PEP identification, risk assessment, monitoring, suspicious transaction reporting, record keeping, training, independent review. Handled one by one, they compete for attention. Read as one field, they resolve into a programme.
Know the risk
Control the process
Move forward
How ZLORYX helps
One way of working, whether the engagement is advisory, operational or built into the platform.
ZLORYX Platform
The ZLORYX client Platform is built around a Customer / Entity 360: every customer and counterparty, with its identity, screening results, alerts, decisions and evidence resolved in one place. Sanctions screening is what clients use today; the modules marked not available are not offered.
Customer / Entity 360
Every person, company and counterparty as one resolved record: identity, related parties, screening results and decisions, documents and evidence, and the audit history.
Screening Live
Sanctions screening against the UN Consolidated List, the UAE Local Terrorist List, OFAC SDN and non-SDN, and the UK Sanctions List, with every decision recorded.
Alerts Live
Screening results that need a decision, ranked, with the evidence attached.
Documents and evidence Live
Every document, check and decision kept where the record is.
Audit trail Live
Who did what, when and why — readable by an examiner.
Reports Live
Internal screening, customer and company reports in English and Arabic, prepared from the record.
KYC / KYB Not available
Due-diligence records and beneficial ownership for people and entities.
Risk assessment Not available
Customer risk rating with a visible rationale.
Monitoring Not available
Re-screening when a sanctions list or the record changes.
Cases Not available
Investigation, decision and outcome, recorded end to end.
Reviews Not available
Periodic and trigger-based reviews, scheduled and evidenced.
Intelligence Not available
Regulatory change read and mapped to the controls it touches.
Operating today. Clients sign in at app.zloryx.ae.
Ecosystem directions
Names established in the ZLORYX project as directions, not launched products.
ZLORYX Platform
How the modules could look and behave. Every screen is a study, every record is invented, and some show modules that are not available to clients.
Sample Trading L.L.C. ENT-000184
Legal entity · Mainland · Onboarded
Possible matches
2 · dismissed
Different date of birth and nationality · rationale recorded
Screening
Clear · 2 reviewed
Documents on file
6 · licence renewed
Beneficial owners
| A. Sample | 60% | Recorded |
| B. Example | 40% | Recorded |
Recent activity
Sample Trading L.L.C. ENT-000184
Legal entity · Mainland · Onboarded
Beneficial owners
Under review
Sample Trading L.L.C. ENT-000184
Legal entity · Mainland · Onboarded
TFS
Possible match reviewed: different date of birth and nationality — dismissed with rationale.
Evidence attached
Sample Trading L.L.C. ENT-000184
Legal entity · Mainland · Onboarded
Customer risk
Trade sector · cross-border counterparties · no confirmed matches
Sample Trading L.L.C. ENT-000184
Legal entity · Mainland · Onboarded
Monitored subjects re-screened, month by month
One subject matched a changed list — alert raised, assigned for review.
Sample Trading L.L.C. ENT-000184
Legal entity · Mainland · Onboarded
Open
In review
Decided
Sample data Illustrative interface studies with invented sample data. They show how the Platform is organised; they are not screenshots of it.
Solutions
Advisory, operations and technology across the whole compliance lifecycle. Each engagement is scoped to the obligations you actually carry.
Design and documentation of the programme your obligations require — policies, procedures, governance and ownership.
Business-wide and customer-level risk assessment, gap analysis and readiness reviews before scrutiny arrives.
Identification, verification, beneficial ownership and enhanced due diligence frameworks that fit how you onboard.
Sanctions screening against the UN, UAE Local Terrorist List, OFAC and UK lists, run in the ZLORYX Platform with a procedure designed for your risk and every decision recorded.
Design of the transaction and activity monitoring rules you run in your own systems, so they reflect your real risk rather than a generic template.
Help for the compliance officer in preparing suspicious transaction reports and regulatory returns, which the business itself submits, and day-to-day MLRO support.
Testing, review and evidence so the programme holds up when it is examined.
Practical training for front-line teams, management and boards — the foundation of a future ZLORYX Academy.
Industries
Different businesses meet risk in different places. ZLORYX works from how each sector actually operates.
Banks, exchange houses, finance companies, insurers
High volumes, complex products and the fullest set of obligations — where programme design, monitoring and reporting have to work at scale.
Where the risk typically sits
Brokers, developers, property professionals
High-value transactions, source-of-funds questions and cash exposure make customer due diligence the centre of the programme.
Where the risk typically sits
Dealers, traders, refiners
High-value goods and rapid, international trade — where counterparty knowledge and transaction thresholds carry the weight.
Where the risk typically sits
Company formation, registered agents, trustees
Structures, nominees and beneficial ownership — the obligations sit in understanding who is behind each entity and why.
Where the risk typically sits
Audit, accounting and advisory firms
Professional services with client-money and transaction visibility — proportionate controls that fit a firm, not a bank.
Where the risk typically sits
Law firms and notaries handling covered activities
Real estate, company and asset transactions handled on behalf of clients bring specific obligations to the practice.
Where the risk typically sits
Virtual asset service providers
A fast-moving regulatory perimeter where screening, travel-rule readiness and monitoring have to keep pace with the product.
Where the risk typically sits
Regulatory intelligence
Regulation in the UAE moves. ZLORYX reads it continuously — laws, decisions, guidance, enforcement — and resolves it into what it means for your sector, your controls and your next decision.
What ZLORYX reads, interprets and resolves — the first topics:
Start with a conversation. Tell us what you are regulated for, and we will tell you what a resolved programme looks like.