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Prepare a high-value dealer AML working pack

Create a business-wide risk assessment, procedures, customer and transaction records, due-diligence checks and governance evidence from the dealer facts entered.

UKFinancial crime
Free to useRun the complete browser-local toolAbout 15 minutes9 working filesStart this tool

Tool available. Run the complete browser-local workflow and inspect the result. Paid export is not active. Entries and files stay in this browser. Sources reviewed 31 July 2026.

Inspect a real output

Built from fictional sample information using the same exporter as the tool.

High-value dealer risk-assessment sample

What’s included

Set governance and risk

Orient the owner, document the business-wide risk assessment and prepare the operating procedures.

  • Start Here PDF
  • Business-wide risk assessment DOCX
  • AML procedures DOCX

Work customer decisions

Keep customer or matter risk, due diligence checks and suspicion decisions in structured records.

  • Customer and matter risk register XLSX
  • CDD and EDD checklist PDF
  • Suspicion decision log XLSX

Manage evidence and actions

Retain appointments, training, remediation actions and the dated source basis behind the pack.

  • Governance and training register XLSX
  • Action plan CSV
  • Sources and assumptions record
View every output and format
  • Start Here PDF
  • Business-wide risk assessment DOCX
  • AML procedures DOCX
  • Customer and matter risk register XLSX
  • CDD and EDD checklist PDF
  • Governance and training register XLSX
  • Suspicion decision log XLSX
  • Action plan CSV
  • Sources and assumptions record

Who this tool is for

UK high-value dealer owners, AML leads and operations teams. Prepare a consistent first working set of AML records for the goods, payment methods, customers, linked transactions and risks of the business.

Supported use

  • A UK high-value dealer using the supported sector route
  • Recorded goods, payment methods, amounts, linked operations, customers and geographic exposure
  • Six high-value dealer risk prompts with human ratings, evidence and controls

Have ready

  • Organisation, supervisor, responsible roles, approver and review date
  • The regulated activities and operating facts for the high-value dealer business
  • Locations, customer types, geographic exposure, delivery channels and scope assumptions
  • A responsible person’s rating, evidence and reasoning for every sector risk prompt

Needs separate review

  • Registration or transaction-scope decisions
  • Whether linked operations, customers or payments require a particular treatment
  • Suspicion, reporting and final approval decisions

How it works

  1. Record the business routeEnter the organisation, supervisor, responsible roles, activities and approval details.
  2. Describe the operating contextRecord the actual footprint, customers, services, channels and high-value dealer facts.
  3. Rate and evidence each riskA responsible person selects each rating and records the business evidence, controls, gaps and reasoning.
  4. Download the working packReview unresolved fields, then create the nine editable and evidence files in the browser.

Where does this task apply?

Choose the guidance set this tool should use. The interface and outputs stay in English.

Using United Kingdom guidance.

Build a source-bounded AML working pack for the actual business.

Enter the operating facts once. The pack creates editable records for assessment, controls, customer work, governance, training, suspicion decisions and remediation.

Browser-localBusiness facts and risk notes stay on this device.
1

Record the business and governance route

Record HMRC supervision and the goods and cash activity covered by the business scope decision.

2

Describe the operating context

These facts feed the risk-assessment draft. Use specific business language rather than generic statements.

Activities in this pack required

Choose every regulated activity covered by this working pack.

High-value dealer operating facts

These answers make the assessment and procedures specific to this business. Record “Not yet confirmed” where the owner still needs to investigate.

3

Make each sector risk explicit

The level is chosen by the responsible person. A rating without supporting business evidence remains incomplete.

6risk prompts
0rated
0with evidence
£10,000 cash threshold

Could a cash transaction or linked operations reach the current £10,000 amount?

  • Record aggregation and linked-transaction facts
  • Apply customer due diligence at the required point
  • Retain the scope and payment evidence
Cash structuring

Could deposits, instalments, connected buyers or multiple invoices be used to avoid controls?

  • Aggregate connected activity
  • Record the connection and explanation
  • Escalate suspicious patterns
Portable or readily resalable goods

Can the goods move across borders or be converted to cash easily?

  • Risk-rate goods and transaction types
  • Record serial, valuation and provenance evidence where appropriate
  • Review unusual discounts or premiums
Third-party payment or collection

Is a different person paying, collecting or receiving the goods?

  • Identify the parties and authority
  • Record the commercial reason
  • Escalate unexplained arrangements
Source of funds

Does the risk require further evidence about how the cash or value was obtained?

  • Record the decision and evidence reference
  • Use additional measures where required
  • Do not treat a document alone as proof of legitimacy
Cross-border trade

Do origin, destination, customer or goods create country, customs or sanctions exposure?

  • Use current sanctions and country-risk sources
  • Record shipping and counterparties
  • Escalate inconsistencies
4

Download the working pack

Every document carries the rule-pack version or source register. The editable files remain drafts until authorised people tailor and approve them.

01
Start HereHow to tailor, approve and store the pack
02
Business-wide risk assessmentDOCX with business context and sector risks
03
AML policies, controls and proceduresDOCX with governance and operating procedures
04
Customer and matter risk registerXLSX working register and sector prompts
05
CDD and EDD checklistCited PDF decision-support checklist
06
Governance and training registerXLSX appointments and learning record
07
Suspicion decision logRestricted-access XLSX template
08
Action planCSV remediation queue with owner and target date
09
Sources and assumptionsDated JSON manifest with rule-pack version
Nine-file high-value dealer packDraft with 6 unrated risks, 6 evidence gaps and no senior approver recorded.

Human decisions remain visible. The pack never assigns risk, confirms scope, approves a customer, determines suspicion or submits a report.

What this tool checks

The scope stays narrow so the result is clear and reproducible.

  • Uses the entered business facts, selected services, governance roles and risk decisions once across the pack.
  • Includes six high-value dealer risk prompts with editable evidence and control records.
  • Keeps registration, customer risk, suspicion and reporting decisions as named human responsibilities.

From official material to a working record

Official material sets the basis

Official UK material describes the AML obligations and sector context relevant to high-value dealer businesses.

The tool prepares the operational record

The starter pack applies the recorded business facts consistently across the risk assessment, procedures, registers, checklists and action record.

Official sources stay visible

Each supported check shows its jurisdiction, source title, source version and review date beside the result. Unsupported cases are rejected rather than estimated.

View this product's official sources

Questions before you use the tool

Scope, files, evidence and browser-local handling.

Does the pack decide whether a transaction is within the high-value dealer route?

No. The dealer records goods, payments, amounts and linked-operation reasoning. Registration and transaction-scope decisions remain with the responsible person.

Does the tool assign the risk ratings?

No. A responsible person chooses each rating and records the business evidence and reasoning behind it.

Are business and customer details uploaded?

No. Entered business facts, risk notes and generated working files remain in this browser.

Are the documents ready to adopt without review?

No. They are working drafts. Authorised people must resolve unfinished fields, tailor the content and approve it before use.

Prepare the high-value dealer working pack

Record the actual business, make each risk decision explicit and review every unfinished field before export.

Open the dealer AML pack