How it Works

AML MxRICH is purpose-built for Singapore estate agents and fully aligned with the Guide on Estate Agents (Prevention of Money Laundering, Proliferation Financing and Terrorism Financing) Regulations 2021.

The system simplifies compliance by guiding you through the correct combination of forms based on your transaction type (Client Due Diligence or Unrepresented Counterparty Due Diligence).

Supported Process Paths

The system supports all standard scenarios outlined in the Guide through smart path selection:

Simple 4-Step Process

Step 1: Select Process Path Go to Run Due Diligence → Path Selection. Toggle between CDD and UCPDD, then choose the client/counterparty type. The system automatically recommends the correct forms.

Step 2: Complete Client Particulars

• Fill A1/A2/U1/U2 (and A3/A4/U3/U4 where applicable).
• AI-Powered Intelligence: Upload NRIC, passport, ACRA documents, or other IDs — our advanced AI automatically detects, extracts data (including Chinese characters), and pre-fills the form with high accuracy.
• Minimal manual input required.
• Let your client or counterparty sign digitally on the built-in signature pad (with timestamp).

Step 3: Risk Assessment & Screening (Form B or U5)

• Complete the Risk Determination and Screening Checklist.
• Integrated multi-source screening in one place:
  • PEP & RCAs 
  • FATF (Black/Grey List)
  • Targeted Financial Sanctions (TFS)
  • UN Sanctions
  • AI-powered Negative News & Adverse Media search (including bankruptcy checks)
• Mark each section as complete and sign off.

Step 4: Enhanced Due Diligence (if triggered)

• If any "Yes" answer appears in Form B or U5, the system automatically generates the required Form C or Form U6.
• Complete the compulsory fields.
• The Approving Officer can review, add notes, and approve within the system.

Key Benefits for Busy Agents

• Compliance Made Simple — Always uses the correct forms and questions per the CEA Guide.
• Time-Saving AI — Document detection + auto-fill dramatically reduces typing.
• Built-in Approvals — Clear workflow for Approving Officer review.
• Instant Reports — Generate professional, audit-ready PDF reports with all forms, signatures, and screening results.
• Full Audit Trail — Every action is timestamped and recorded.

You can complete most standard CDD/UCPDD cases in minutes instead of hours.

Below is the form types (sources from the Guide)

A1 Form - Customer Particulars Form (For Individual)
A2 Form - Customer Particulars Form (For Entity/Legal Arrangement)
A3 Form - Particulars of Individual your Client is acting on behalf of
A4 Form - Particulars of Legal Person (Entity/Legal Arrangement) your Client is acting on behalf of
B Form - Risk Determination and Screening Checklist
C Form - ENHANCED CUSTOMER DUE DILIGENCE FORM
D Form - ONGOING DUE DILIGENCE

U1 Form - UCP Particulars Form (For Individual)
U2 Form - UCP Particulars Form (For Entity/Legal Arrangement)
U3 Form - Particulars of Individual the UCP is acting on behalf of
U4 Form - Particulars of Legal Person (Entity/Legal Arrangement) the UCP is acting on behalf of
U5 Form - Risk Determination and Screening Checklist
U6 Form - ENHANCED DUE DILIGENCE ON UNREPRESENTED COUNTERPARTY