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Prepare an MSB and hawala AML working pack

Create a business-wide risk assessment, procedures, customer records, due-diligence checks and governance evidence for the money service business 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.

MSB and hawala 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 money service business and hawala operators, AML leads and operations teams. Prepare a consistent first working set of AML records for the services, agents, customers, corridors, channels and risks of the business.

Supported use

  • A UK money service business or hawala operator using the supported sector route
  • Recorded services, agents, corridors, governance roles, customer types and delivery channels
  • Six MSB and hawala 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 MSB and hawala 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, licensing or territorial scope decisions
  • Customer acceptance, transfer or source-of-funds decisions
  • 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 MSB and hawala 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 or FCA supervision and each activity covered. Hawala activity still requires an exact legal and supervisory scope check.

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.

MSB and hawala 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
High cash volume

Could high cash volumes, denominations or patterns make source and destination harder to understand?

  • Set risk-based cash review triggers
  • Record payer, customer and beneficiary relationships
  • Escalate structuring or unexplained cash patterns
Agent and franchise network

Could weak, remote or inconsistent agent controls create blind spots?

  • Approve and risk-rate agents
  • Monitor agent activity and training
  • Record visits, testing and remediation
Cross-border corridors

Do countries, corridors or counterparties create sanctions, terrorism-financing or corruption exposure?

  • Use dated country and sanctions sources
  • Set corridor-specific monitoring
  • Escalate unexpected routing or beneficiaries
Linked or structured transfers

Could transfers be split, repeated or routed through connected people to avoid controls?

  • Aggregate linked activity under the organisation method
  • Record the connection and rationale
  • Escalate suspicious patterns
Net settlement and liquidity

Could informal settlement, cash pools or third parties obscure movement of value?

  • Document settlement arrangements
  • Reconcile agent and central records
  • Investigate unexplained balances or third-party settlement
Customer and beneficiary information

Are payer, customer, beneficiary and acting-person records complete for the route?

  • Use route-specific data requirements
  • Stop or escalate incomplete transfers where required
  • Preserve evidence of corrections
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 msb and hawala 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 money service business and hawala risk prompts with editable evidence and control records.
  • Keeps registration, licensing, 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 MSB and hawala 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 confirm MSB registration or licensing?

No. The operator records the confirmed supervisor, registration position, services and scope assumptions. Registration and licensing decisions need separate review.

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 MSB and hawala working pack

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

Open the MSB AML pack