{"id":10804,"date":"2026-01-20T10:49:08","date_gmt":"2026-01-20T10:49:08","guid":{"rendered":"https:\/\/www.amlcc.com\/?p=10804"},"modified":"2026-01-16T11:09:24","modified_gmt":"2026-01-16T11:09:24","slug":"whats-a-daml","status":"publish","type":"post","link":"https:\/\/www.amlcc.com\/ai\/whats-a-daml\/","title":{"rendered":"What\u2019s a DAML?"},"content":{"rendered":"\n<div class=\"wp-block-uagb-container uagb-block-8cdf7575 alignfull uagb-is-root-container\"><div class=\"uagb-container-inner-blocks-wrap\"><h1 style=\"margin-top:0;margin-bottom:0\" class=\"wp-block-post-title\">What\u2019s a DAML?<\/h1>\n\n\n<div class=\"wp-block-uagb-info-box uagb-block-4293da6b uagb-infobox__content-wrap  uagb-infobox-icon-left-title uagb-infobox-left uagb-infobox-image-valign-middle\"><div class=\"uagb-ifb-content\"><div class=\"uagb-ifb-left-title-image\"><div class=\"uagb-ifb-image-content\"><img decoding=\"async\" src=\"https:\/\/www.amlcc.com\/wp-content\/uploads\/2024\/09\/Richard-Simms-AMLCC-956x1024.png\" alt=\"Richard Simms\" width=\"80\" height=\"85\" loading=\"lazy\"\/><\/div><div class=\"uagb-ifb-title-wrap\"><span class=\"uagb-ifb-title-prefix\">Richard Simms<\/span><h3 class=\"uagb-ifb-title\">Director and Founder of AMLCC and AMLCC Consult<\/h3><\/div><\/div><\/div><\/div>\n\n\n<figure style=\"aspect-ratio:16\/9;height:480px\" class=\"wp-block-post-featured-image\"><img loading=\"lazy\" decoding=\"async\" width=\"2560\" height=\"1707\" src=\"https:\/\/www.amlcc.com\/wp-content\/uploads\/2026\/01\/pexels-duncanoluwaseun-189474-scaled.jpg\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"What\u2019s a DAML?\" style=\"width:100%;height:100%;object-fit:cover;\" srcset=\"https:\/\/www.amlcc.com\/wp-content\/uploads\/2026\/01\/pexels-duncanoluwaseun-189474-scaled.jpg 2560w, https:\/\/www.amlcc.com\/wp-content\/uploads\/2026\/01\/pexels-duncanoluwaseun-189474-300x200.jpg 300w, https:\/\/www.amlcc.com\/wp-content\/uploads\/2026\/01\/pexels-duncanoluwaseun-189474-1024x683.jpg 1024w, https:\/\/www.amlcc.com\/wp-content\/uploads\/2026\/01\/pexels-duncanoluwaseun-189474-768x512.jpg 768w, https:\/\/www.amlcc.com\/wp-content\/uploads\/2026\/01\/pexels-duncanoluwaseun-189474-1536x1024.jpg 1536w, https:\/\/www.amlcc.com\/wp-content\/uploads\/2026\/01\/pexels-duncanoluwaseun-189474-2048x1365.jpg 2048w\" sizes=\"auto, (max-width: 2560px) 100vw, 2560px\" \/><\/figure><\/div><\/div>\n\n\n\n<div class=\"wp-block-uagb-container uagb-block-f4715dae alignfull uagb-is-root-container\"><div class=\"uagb-container-inner-blocks-wrap\">\n<div class=\"wp-block-uagb-container uagb-block-f9c6201f\">\n<p class=\"wp-block-paragraph\">A DAML (Defence Against Money Laundering) is a request for a legal defence made through the suspicious activity reporting regime when you believe carrying out a specific transaction could expose you to a money laundering offence.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This wording comes from the UK Financial Intelligence Unit\u2019s (UKFIU)\u00a0<a href=\"https:\/\/www.nationalcrimeagency.gov.uk\/what-we-do\/crime-threats\/money-laundering-and-illicit-finance\/suspicious-activity-reports#UKFIUGuidanceLibrary\">SARs Best Practice Guidance<\/a>. UKFIU uses the term to describe a defence request made by a reporter who is seeking protection under the\u00a0<a href=\"https:\/\/www.amlcc.com\/whats-the-proceeds-of-crime-act-2002\/\">Proceeds of Crime Act 2002<\/a> (POCA) before carrying out a specific activity.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong><strong><strong><strong>What a DAML actually is<\/strong><\/strong><\/strong><\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">A DAML isn\u2019t a separate legal process and it\u2019s not a different type of SAR. It\u2019s simply a&nbsp;<a href=\"https:\/\/www.amlcc.com\/what-needs-to-be-in-a-sar\/\">SAR<\/a>&nbsp;with additional information included so that the UKFIU can decide whether a statutory defence applies.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">According to the guidance, a DAML is relevant where:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>you know, believe or suspect that property is criminal property, and<\/li>\n\n\n\n<li>you are intending to carry out a future activity, and<\/li>\n\n\n\n<li>carrying out that activity could result in you committing a money laundering offence under POCA .<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">In those circumstances, you can request a defence from the UKFIU in relation to that specific activity.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-family: ITCAvantGardePro-Bold, Arial; font-size: 1.636364rem; font-weight: 700; letter-spacing: 0px;\"><strong><strong><strong>Why DAMLs exist<\/strong><\/strong><\/strong><\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">UKFIU guidance recognises that, in the course of legitimate business, professionals can find themselves in a position where doing their job would expose them to criminal liability.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">POCA recognises this risk and provides a defence mechanism. The DAML process exists to allow reporters to rely on that defence where appropriate.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The guidance is clear that DAMLs are about protecting the reporter, not approving the activity itself. Even where a defence is granted, it does not mean the funds are legitimate and it doesn\u2019t oblige the reporter to proceed.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong><strong><strong>DAML and\u00a0\u201cconsent\u201d<\/strong><\/strong><\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">You might hear DAMLs described as requests for consent. UKFIU explains that:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>a DAML is the same as\u00a0\u201cappropriate consent\u201d under section 335 of POCA, and<\/li>\n\n\n\n<li>the terminology has evolved to avoid the impression that the UKFIU is giving permission or approval.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">A granted DAML provides a defence to specific&nbsp;<a href=\"https:\/\/www.amlcc.com\/what-is-money-laundering\/\">money laundering<\/a>&nbsp;offences only. It does not give clearance, approval or confirmation that the activity is safe or lawful in a wider sense.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong><strong><strong>What makes a DAML different from a standard SAR?<\/strong><\/strong><\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">While you\u2019ll still use the same form and process as a standard SAR, the key difference is that a DAML is tied to a specific future act.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A DAML is submitted because there is a transaction waiting to happen and proceeding without a defence could itself be an offence. A standard SAR is submitted to report suspicion for intelligence purposes.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">UKFIU is clear that a DAML must always relate to:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>criminal property that already exists, and<\/li>\n\n\n\n<li>a future, clearly specified activity that the reporter controls.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">DAMLs cannot be used to ask what to do, to cover open-ended activity or to compensate for incomplete&nbsp;<a href=\"https:\/\/www.amlcc.com\/what-is-standard-due-diligence\/\">due diligence<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong><strong><strong>What happens after a DAML is submitted<\/strong><\/strong><\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Once a DAML is submitted, it enters the notice period. This starts on the first working day after submission and lasts for seven working days. During this period:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>the specified activity must not be carried out, and<\/li>\n\n\n\n<li>the UKFIU assesses the request and may seek further information.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">If the UKFIU refuses the request, a moratorium period of 31 calendar days applies. During this time, the activity must still not proceed. During the moratorium period law enforcement will investigate and endeavor to take action against the criminal property. The 31 day period can be extended by the court if law enforcement deem it necessary for further investigations.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The UK Financial Intelligence Unit guidance to help reporters seeking a defence under POCA (December 2025) explains that:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><em>\u201cAs with the initial 7-working day notice period, until you receive a granted letter or until the expiry of the moratorium period, whichever is earlier, you do not have a defence to the money laundering offence you are proposing to undertake and risk committing an offence if you proceed with the activity.\u201d<\/em><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong><strong>What a DAML does not do<\/strong><\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The guidance is explicit about the limits of a DAML. A DAML does not:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>provide a defence to other criminal offences;<\/li>\n\n\n\n<li>override court orders;<\/li>\n\n\n\n<li>remove regulatory or ethical obligations;<\/li>\n\n\n\n<li>act as a substitute for customer due diligence;<\/li>\n\n\n\n<li>allow tipping off; or<\/li>\n\n\n\n<li>provide advice on what action should be taken.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">It applies only to the specific money laundering offences set out in POCA and only to the activity described in the request.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Why DAMLs matter for regulated professionals<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">DAMLs can arise in everyday professional work, not just exceptional cases. They commonly relate to payments, transfers, property transactions, distributions or other dealings with funds where suspicion has crystallised.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">UKFIU guidance stresses that failing to follow the DAML process, or proceeding during a notice or moratorium period, risks committing a money laundering offence and may also result in regulatory scrutiny.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Final thoughts<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">A DAML is not a loophole and it\u2019s not an escalation. It\u2019s the practical mechanism used to access a statutory defence that already exists in law.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">UKFIU guidance makes clear that DAMLs are about stopping, disclosing and waiting when a future transaction could expose a professional to criminal liability.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Seen in that light, a DAML is simply the AML framework doing what it was designed to do, protecting professionals while allowing law enforcement the opportunity to act.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<div class=\"wp-block-uagb-info-box uagb-block-7e2f0fec uagb-infobox__content-wrap  uagb-infobox-icon-above-title uagb-infobox-image-valign-top has-ast-global-color-4-background-color\"><div class=\"uagb-ifb-content\"><div class=\"uagb-ifb-title-wrap\"><\/div><p class=\"uagb-ifb-desc\"><strong>Explore how AMLCC&#8217;s features can keep your business completely compliant<\/strong><\/p><div class=\"uagb-ifb-button-wrapper wp-block-button\"><a href=\"https:\/\/www.amlcc.com\/product-features\/training\/\" class=\"uagb-infobox-cta-link wp-block-button__link\" target=\"_self\" rel=\"noopener noreferrer\" onclick=\"return true;\"><span class=\"uagb-inline-editing\">Learn more<\/span><\/a><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-uagb-container article-cta uag-hide-desktop uagb-block-f6be450a\">\n<div class=\"wp-block-uagb-advanced-heading uagb-block-69b8c097\"><h3 class=\"uagb-heading-text\">The one-stop AML solution<\/h3><\/div>\n\n\n\n<p class=\"has-ast-global-color-6-color has-text-color has-link-color wp-elements-ebdcd75c82448b1b24200aa26878c3fb wp-block-paragraph\" style=\"margin-top:0px;margin-bottom:0px;font-size:20px;line-height:1.3\">Educate your teams, improve efficiency and achieve AML compliance all in one place, using AMLCC.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-container-core-buttons-is-layout-2 wp-block-buttons-is-layout-flex\" style=\"justify-content: center;\">\n<div class=\"wp-block-button is-style-fill\"><a href=\"\" class=\"wp-block-button__link wp-element-button demo-secondary\" onclick=\"Calendly.initPopupWidget({url: 'https:\/\/calendly.com\/lisa-jco\/amlcc-demo?hide_gdpr_banner=1&#038;primary_color=ff4f5b'});return false;\">Book now<\/a><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-uagb-container uag-hide-desktop uagb-block-c5c14d25\">\n<div class=\"wp-block-uagb-advanced-heading uagb-block-a787415a\"><h3 class=\"uagb-heading-text\">We know AML<\/h3><\/div>\n\n\n\n<p class=\"has-ast-global-color-6-color has-text-color has-link-color wp-elements-b9d9651e7d805b3930e06c1a2fdeee6c wp-block-paragraph\" style=\"margin-top:0px;margin-bottom:0px;font-size:20px;line-height:1.3\">We\u2019re regulated professionals too. We know what you need to comply with the Regulations.<br><\/p>\n\n\n\n<div class=\"wp-block-uagb-icon-list uagb-block-cffcf54f\"><div class=\"uagb-icon-list__wrap\">\n<div class=\"wp-block-uagb-icon-list-child uagb-block-082e00ee\"><span class=\"uagb-icon-list__source-wrap\"><svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 512 512\"><path d=\"M0 256C0 114.6 114.6 0 256 0C397.4 0 512 114.6 512 256C512 397.4 397.4 512 256 512C114.6 512 0 397.4 0 256zM371.8 211.8C382.7 200.9 382.7 183.1 371.8 172.2C360.9 161.3 343.1 161.3 332.2 172.2L224 280.4L179.8 236.2C168.9 225.3 151.1 225.3 140.2 236.2C129.3 247.1 129.3 264.9 140.2 275.8L204.2 339.8C215.1 350.7 232.9 350.7 243.8 339.8L371.8 211.8z\"><\/path><\/svg><\/span><span class=\"uagb-icon-list__label\">We\u2019re internationally recognised AML experts<\/span><\/div>\n\n\n\n<div class=\"wp-block-uagb-icon-list-child uagb-block-ebce1a01\"><span class=\"uagb-icon-list__source-wrap\"><svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 512 512\"><path d=\"M0 256C0 114.6 114.6 0 256 0C397.4 0 512 114.6 512 256C512 397.4 397.4 512 256 512C114.6 512 0 397.4 0 256zM371.8 211.8C382.7 200.9 382.7 183.1 371.8 172.2C360.9 161.3 343.1 161.3 332.2 172.2L224 280.4L179.8 236.2C168.9 225.3 151.1 225.3 140.2 236.2C129.3 247.1 129.3 264.9 140.2 275.8L204.2 339.8C215.1 350.7 232.9 350.7 243.8 339.8L371.8 211.8z\"><\/path><\/svg><\/span><span class=\"uagb-icon-list__label\">We work with most accountancy supervisors and the Law Society<\/span><\/div>\n\n\n\n<div class=\"wp-block-uagb-icon-list-child uagb-block-352e4894\"><span class=\"uagb-icon-list__source-wrap\"><svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 512 512\"><path d=\"M0 256C0 114.6 114.6 0 256 0C397.4 0 512 114.6 512 256C512 397.4 397.4 512 256 512C114.6 512 0 397.4 0 256zM371.8 211.8C382.7 200.9 382.7 183.1 371.8 172.2C360.9 161.3 343.1 161.3 332.2 172.2L224 280.4L179.8 236.2C168.9 225.3 151.1 225.3 140.2 236.2C129.3 247.1 129.3 264.9 140.2 275.8L204.2 339.8C215.1 350.7 232.9 350.7 243.8 339.8L371.8 211.8z\"><\/path><\/svg><\/span><span class=\"uagb-icon-list__label\">Bespoke AML consultancy available for all sectors<\/span><\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-uagb-buttons uagb-buttons__outer-wrap uagb-btn__default-btn uagb-btn-tablet__default-btn uagb-btn-mobile__default-btn uagb-block-fc153394\"><div class=\"uagb-buttons__wrap uagb-buttons-layout-wrap \">\n<div class=\"wp-block-uagb-buttons-child uagb-buttons__outer-wrap uagb-block-79a4148c wp-block-button\"><div class=\"uagb-button__wrapper\"><a class=\"uagb-buttons-repeater wp-block-button__link\" aria-label=\"\" href=\"https:\/\/www.amlcc.com\/consult\/\" rel=\"follow noopener\" target=\"_self\" role=\"button\"><div class=\"uagb-button__link\">Find out more<\/div><\/a><\/div><\/div>\n<\/div><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-uagb-container uagb-block-99e38104\">\t\t\t\t<div class=\"wp-block-uagb-table-of-contents uagb-toc__align-left uagb-toc__columns-1  uagb-block-1daea5fd article-toc     \"\n\t\t\t\t\tdata-scroll= \"1\"\n\t\t\t\t\tdata-offset= \"30\"\n\t\t\t\t\tstyle=\"\"\n\t\t\t\t>\n\t\t\t\t<div class=\"uagb-toc__wrap\">\n\t\t\t\t\t\t<div class=\"uagb-toc__title\">\n\t\t\t\t\t\t\tJump to:\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"uagb-toc__list-wrap \">\n\t\t\t\t\t\t<ol class=\"uagb-toc__list\"><li class=\"uagb-toc__list\"><a href=\"#what-a-daml-actually-is\" class=\"uagb-toc-link__trigger\">What a DAML actually is<\/a><li class=\"uagb-toc__list\"><a href=\"#daml-andconsent\" class=\"uagb-toc-link__trigger\">DAML and\u00a0\u201cconsent\u201d<\/a><li class=\"uagb-toc__list\"><a href=\"#what-makes-a-daml-different-from-a-standard-sar\" class=\"uagb-toc-link__trigger\">What makes a DAML different from a standard SAR?<\/a><li class=\"uagb-toc__list\"><a href=\"#what-happens-after-a-daml-is-submitted\" class=\"uagb-toc-link__trigger\">What happens after a DAML is submitted<\/a><li class=\"uagb-toc__list\"><a href=\"#what-a-daml-does-not-do\" class=\"uagb-toc-link__trigger\">What a DAML does not do<\/a><li class=\"uagb-toc__list\"><a href=\"#why-damls-matter-for-regulated-professionals\" class=\"uagb-toc-link__trigger\">Why DAMLs matter for regulated professionals<\/a><li class=\"uagb-toc__list\"><a href=\"#final-thoughts\" class=\"uagb-toc-link__trigger\">Final thoughts<\/a><\/ol>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\n\n\n<div class=\"wp-block-uagb-container article-cta uag-hide-tab uag-hide-mob uagb-block-9b41d3fe\">\n<div class=\"wp-block-uagb-advanced-heading uagb-block-28078d4a\"><h3 class=\"uagb-heading-text\">The one-stop AML solution<\/h3><\/div>\n\n\n\n<p class=\"has-ast-global-color-6-color has-text-color has-link-color wp-elements-5d272eb52ee2429e4d9aca3147f023ba wp-block-paragraph\" style=\"margin-top:0px;margin-bottom:0px;font-size:20px;line-height:1.3\">Educate your teams, improve efficiency and achieve AML compliance all in one place, using AMLCC. <\/p>\n\n\n\n<p class=\"has-ast-global-color-6-color has-text-color has-link-color wp-elements-1d59a108b13f9b62392e8e9a08c592ee wp-block-paragraph\" style=\"margin-top:0px;margin-bottom:0px;font-size:20px;line-height:1.3\">Talk to our experts about how we can help you secure your business.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-container-core-buttons-is-layout-2 wp-block-buttons-is-layout-flex\" style=\"justify-content: center;\">\n<div class=\"wp-block-button is-style-fill\"><a href=\"\" class=\"wp-block-button__link wp-element-button demo-secondary\" onclick=\"Calendly.initPopupWidget({url: 'https:\/\/calendly.com\/lisa-jco\/amlcc-demo?hide_gdpr_banner=1&#038;primary_color=ff4f5b'});return false;\">Book a demo<\/a><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"uagb-position__sticky wp-block-uagb-container uag-hide-tab uag-hide-mob uagb-block-353bcb12\">\n<div class=\"wp-block-uagb-advanced-heading uagb-block-45cdaeb7\"><h3 class=\"uagb-heading-text\">We know AML<\/h3><\/div>\n\n\n\n<p class=\"has-ast-global-color-6-color has-text-color has-link-color wp-elements-b9d9651e7d805b3930e06c1a2fdeee6c wp-block-paragraph\" style=\"margin-top:0px;margin-bottom:0px;font-size:20px;line-height:1.3\">We\u2019re regulated professionals too. We know what you need to comply with the Regulations.<br><\/p>\n\n\n\n<div class=\"wp-block-uagb-icon-list uagb-block-b41f0db0\"><div class=\"uagb-icon-list__wrap\">\n<div class=\"wp-block-uagb-icon-list-child uagb-block-333d0a11\"><span class=\"uagb-icon-list__source-wrap\"><svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 512 512\"><path d=\"M0 256C0 114.6 114.6 0 256 0C397.4 0 512 114.6 512 256C512 397.4 397.4 512 256 512C114.6 512 0 397.4 0 256zM371.8 211.8C382.7 200.9 382.7 183.1 371.8 172.2C360.9 161.3 343.1 161.3 332.2 172.2L224 280.4L179.8 236.2C168.9 225.3 151.1 225.3 140.2 236.2C129.3 247.1 129.3 264.9 140.2 275.8L204.2 339.8C215.1 350.7 232.9 350.7 243.8 339.8L371.8 211.8z\"><\/path><\/svg><\/span><span class=\"uagb-icon-list__label\">We\u2019re internationally recognised AML experts<\/span><\/div>\n\n\n\n<div class=\"wp-block-uagb-icon-list-child uagb-block-b485c460\"><span class=\"uagb-icon-list__source-wrap\"><svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 512 512\"><path d=\"M0 256C0 114.6 114.6 0 256 0C397.4 0 512 114.6 512 256C512 397.4 397.4 512 256 512C114.6 512 0 397.4 0 256zM371.8 211.8C382.7 200.9 382.7 183.1 371.8 172.2C360.9 161.3 343.1 161.3 332.2 172.2L224 280.4L179.8 236.2C168.9 225.3 151.1 225.3 140.2 236.2C129.3 247.1 129.3 264.9 140.2 275.8L204.2 339.8C215.1 350.7 232.9 350.7 243.8 339.8L371.8 211.8z\"><\/path><\/svg><\/span><span class=\"uagb-icon-list__label\">We work with most accountancy supervisors and the Law Society<\/span><\/div>\n\n\n\n<div class=\"wp-block-uagb-icon-list-child uagb-block-c0d2ec75\"><span class=\"uagb-icon-list__source-wrap\"><svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 512 512\"><path d=\"M0 256C0 114.6 114.6 0 256 0C397.4 0 512 114.6 512 256C512 397.4 397.4 512 256 512C114.6 512 0 397.4 0 256zM371.8 211.8C382.7 200.9 382.7 183.1 371.8 172.2C360.9 161.3 343.1 161.3 332.2 172.2L224 280.4L179.8 236.2C168.9 225.3 151.1 225.3 140.2 236.2C129.3 247.1 129.3 264.9 140.2 275.8L204.2 339.8C215.1 350.7 232.9 350.7 243.8 339.8L371.8 211.8z\"><\/path><\/svg><\/span><span class=\"uagb-icon-list__label\">Bespoke AML consultancy available for all sectors<\/span><\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-uagb-buttons uagb-buttons__outer-wrap uagb-btn__default-btn uagb-btn-tablet__default-btn uagb-btn-mobile__default-btn uagb-block-27986e97\"><div class=\"uagb-buttons__wrap uagb-buttons-layout-wrap \">\n<div class=\"wp-block-uagb-buttons-child uagb-buttons__outer-wrap uagb-block-5e096d1b wp-block-button\"><div class=\"uagb-button__wrapper\"><a class=\"uagb-buttons-repeater wp-block-button__link\" aria-label=\"\" href=\"https:\/\/www.amlcc.com\/consult\/\" rel=\"follow noopener\" target=\"_self\" role=\"button\"><div class=\"uagb-button__link\">Find out more<\/div><\/a><\/div><\/div>\n<\/div><\/div>\n<\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-uagb-container half-blue-desktop uagb-block-89ea4904 alignfull uagb-is-root-container\">\n<div class=\"wp-block-uagb-container uagb-block-fdab8534\">\n<div class=\"wp-block-uagb-advanced-heading uagb-block-52a83ed5\"><h3 class=\"uagb-heading-text\">What others have said<\/h3><\/div>\n\n\n\n<div class=\"wp-block-uagb-slider amlcc-testimonial-slider uagb-block-6c68dd50 uagb-slider-container\"><div class=\"uagb-slides uagb-swiper\"><div class=\"swiper-wrapper\">\n<div class=\"wp-block-uagb-slider-child uagb-slider-child-wrap swiper-slide uagb-block-b998a2d4\"><div class=\"swiper-content\">\n<div class=\"wp-block-uagb-container uagb-block-04f3c45e\">\n<div class=\"wp-block-uagb-container uagb-block-02c01de1\">\n<div class=\"wp-block-uagb-advanced-heading uagb-block-b215507c\"><h3 class=\"uagb-heading-text\">&#8220;We had the man from the ICAEW here yesterday to carry out a QAD practice review. We got a clean bill of health \u2013 not a single action point\u2026That is in no small measure due to AMLCC so I just wanted to say \u2018thank you\u2019&#8221;<\/h3><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-uagb-container uagb-block-949a56df\">\n<figure class=\"wp-block-image aligncenter size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"550\" height=\"812\" src=\"https:\/\/www.amlcc.com\/wp-content\/uploads\/2023\/11\/testimonial-1.jpg\" alt=\"\" class=\"wp-image-495\" style=\"aspect-ratio:3\/4;object-fit:contain;width:auto;height:382px\" srcset=\"https:\/\/www.amlcc.com\/wp-content\/uploads\/2023\/11\/testimonial-1.jpg 550w, https:\/\/www.amlcc.com\/wp-content\/uploads\/2023\/11\/testimonial-1-203x300.jpg 203w\" sizes=\"auto, (max-width: 550px) 100vw, 550px\" \/><\/figure>\n<\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-uagb-slider-child uagb-slider-child-wrap swiper-slide uagb-block-cc23ebfe\"><div class=\"swiper-content\">\n<div class=\"wp-block-uagb-container uagb-block-af8628f6\">\n<div class=\"wp-block-uagb-container uagb-block-9e1b5830\">\n<div class=\"wp-block-uagb-advanced-heading uagb-block-bdd14157\"><h3 class=\"uagb-heading-text\">&#8220;Thank you for such a perfect and informative [solution]. You have given me a clear direction for my AML training and CPD.&#8221;<br><\/h3><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-uagb-container uagb-block-ef336e36\">\n<figure class=\"wp-block-image aligncenter size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"550\" height=\"786\" src=\"https:\/\/www.amlcc.com\/wp-content\/uploads\/2023\/11\/testimonial-2.jpg\" alt=\"\" class=\"wp-image-496\" style=\"aspect-ratio:3\/4;object-fit:contain;width:auto;height:382px\" srcset=\"https:\/\/www.amlcc.com\/wp-content\/uploads\/2023\/11\/testimonial-2.jpg 550w, https:\/\/www.amlcc.com\/wp-content\/uploads\/2023\/11\/testimonial-2-210x300.jpg 210w\" sizes=\"auto, (max-width: 550px) 100vw, 550px\" \/><\/figure>\n<\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-uagb-slider-child uagb-slider-child-wrap swiper-slide uagb-block-040a7367\"><div class=\"swiper-content\">\n<div class=\"wp-block-uagb-container uagb-block-3b2e0080\">\n<div class=\"wp-block-uagb-container uagb-block-64ce7dad\">\n<div class=\"wp-block-uagb-advanced-heading uagb-block-3d47ccc6\"><h3 class=\"uagb-heading-text\">&#8220;I just wanted to say \u2018thank you\u2019 to you, Richard, and all the team at AMLCC for providing a service that really does minimise the burden of AML compliance.&#8221;<br><\/h3><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-uagb-container uagb-block-e1d755c8\">\n<figure class=\"wp-block-image aligncenter size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"550\" height=\"732\" src=\"https:\/\/www.amlcc.com\/wp-content\/uploads\/2023\/11\/testimonial-3.jpg\" alt=\"\" class=\"wp-image-494\" style=\"aspect-ratio:3\/4;object-fit:contain;width:auto;height:382px\" srcset=\"https:\/\/www.amlcc.com\/wp-content\/uploads\/2023\/11\/testimonial-3.jpg 550w, https:\/\/www.amlcc.com\/wp-content\/uploads\/2023\/11\/testimonial-3-225x300.jpg 225w\" sizes=\"auto, (max-width: 550px) 100vw, 550px\" \/><\/figure>\n<\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-uagb-slider-child uagb-slider-child-wrap swiper-slide uagb-block-403770d4\"><div class=\"swiper-content\">\n<div class=\"wp-block-uagb-container uagb-block-a0d5a66b\">\n<div class=\"wp-block-uagb-container uagb-block-a9b0dbd5\">\n<div class=\"wp-block-uagb-advanced-heading uagb-block-302585b3\"><h3 class=\"uagb-heading-text\">&#8220;What a refreshing pleasure working with a company who actually listens to the feedback from their customers and communicates with them!&#8221;<br><\/h3><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-uagb-container uagb-block-64782dba\">\n<figure class=\"wp-block-image aligncenter size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"550\" height=\"732\" src=\"https:\/\/www.amlcc.com\/wp-content\/uploads\/2023\/11\/testimonial-4.jpg\" alt=\"\" class=\"wp-image-497\" style=\"aspect-ratio:3\/4;object-fit:contain;width:auto;height:382px\" srcset=\"https:\/\/www.amlcc.com\/wp-content\/uploads\/2023\/11\/testimonial-4.jpg 550w, https:\/\/www.amlcc.com\/wp-content\/uploads\/2023\/11\/testimonial-4-225x300.jpg 225w\" sizes=\"auto, (max-width: 550px) 100vw, 550px\" \/><\/figure>\n<\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-uagb-slider-child uagb-slider-child-wrap swiper-slide uagb-block-9b9b7e36\"><div class=\"swiper-content\">\n<div class=\"wp-block-uagb-container uagb-block-3a9f75d3\">\n<div class=\"wp-block-uagb-container uagb-block-aa8435c0\">\n<div class=\"wp-block-uagb-advanced-heading uagb-block-afe45a8b\"><h3 class=\"uagb-heading-text\">&#8220;Your team they have been excellent from the moment Fiona did a demo for me with only 15 minutes notice, and thoroughly going through the AMLCC product, answering the many questions I had! It was at this point at which I made up my mind this is the sort of business I want to work with for my AML.&#8221;<br><\/h3><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-uagb-container uagb-block-8f4648c6\">\n<figure class=\"wp-block-image aligncenter size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"550\" height=\"798\" src=\"https:\/\/www.amlcc.com\/wp-content\/uploads\/2023\/11\/testimonial-5.jpg\" alt=\"\" class=\"wp-image-498\" style=\"aspect-ratio:3\/4;object-fit:contain;width:auto;height:382px\" srcset=\"https:\/\/www.amlcc.com\/wp-content\/uploads\/2023\/11\/testimonial-5.jpg 550w, https:\/\/www.amlcc.com\/wp-content\/uploads\/2023\/11\/testimonial-5-207x300.jpg 207w\" sizes=\"auto, (max-width: 550px) 100vw, 550px\" \/><\/figure>\n<\/div>\n<\/div>\n<\/div><\/div>\n<\/div><\/div><div class=\"swiper-pagination\"><\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-uagb-container uagb-block-bd594624\">\n<div class=\"wp-block-uagb-advanced-heading uagb-block-deefd48d\"><h3 class=\"uagb-heading-text\">Making compliance easier<\/h3><\/div>\n\n\n\n<div class=\"wp-block-uagb-image aligncenter uagb-block-94cd8a56 wp-block-uagb-image--layout-default wp-block-uagb-image--effect-static wp-block-uagb-image--align-center\"><figure class=\"wp-block-uagb-image__figure\"><img decoding=\"async\" srcset=\"https:\/\/www.amlcc.com\/wp-content\/uploads\/2023\/11\/image-22-1.png ,https:\/\/www.amlcc.com\/wp-content\/uploads\/2023\/11\/image-22-1.png 780w, https:\/\/www.amlcc.com\/wp-content\/uploads\/2023\/11\/image-22-1.png 360w\" sizes=\"auto, (max-width: 480px) 150px\" src=\"https:\/\/www.amlcc.com\/wp-content\/uploads\/2023\/11\/image-22-1.png\" alt=\"AMLCC newsroom\" class=\"uag-image-1454\" width=\"700\" height=\"450\" title=\"image-22-1\" loading=\"lazy\" role=\"img\"\/><\/figure><\/div>\n\n\n\n<div class=\"wp-block-uagb-buttons uagb-buttons__outer-wrap uagb-btn__default-btn uagb-btn-tablet__default-btn uagb-btn-mobile__default-btn uagb-block-d88e5ed5\"><div class=\"uagb-buttons__wrap uagb-buttons-layout-wrap \">\n<div class=\"wp-block-uagb-buttons-child uagb-buttons__outer-wrap uagb-block-762fbc5a wp-block-button\"><div class=\"uagb-button__wrapper\"><a class=\"uagb-buttons-repeater wp-block-button__link\" aria-label=\"\" href=\"\/press\/\" rel=\"follow noopener\" target=\"_self\" role=\"button\"><div class=\"uagb-button__link\">View more articles<\/div><\/a><\/div><\/div>\n<\/div><\/div>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>A DAML (Defence Against Money Laundering) is a request for a legal defence made through the suspicious activity reporting regime when you believe carrying out a specific transaction could expose you to a money laundering offence. This wording comes from the UK Financial Intelligence Unit\u2019s (UKFIU)\u00a0SARs Best Practice Guidance. UKFIU uses the term to describe [&hellip;]<\/p>\n","protected":false},"author":6,"featured_media":10805,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_uag_custom_page_level_css":"","site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"unboxed","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[1],"tags":[],"class_list":["post-10804","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>What Is A DAML? | UKFIU Guidance Explained | AML Guides<\/title>\n<meta name=\"description\" content=\"A DAML is a request made to the UKFIU for a legal defence before carrying out a transaction that may involve criminal property under POCA.\" \/>\n<meta name=\"robots\" content=\"noindex, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"What Is A DAML? | UKFIU Guidance Explained | AML Guides\" \/>\n<meta property=\"og:description\" content=\"A DAML is a request made to the UKFIU for a legal defence before carrying out a transaction that may involve criminal property under POCA.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.amlcc.com\/ai\/whats-a-daml\/\" \/>\n<meta property=\"og:site_name\" content=\"AMLCC\" \/>\n<meta property=\"article:published_time\" content=\"2026-01-20T10:49:08+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.amlcc.com\/wp-content\/uploads\/2026\/01\/pexels-duncanoluwaseun-189474-scaled.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"2560\" \/>\n\t<meta property=\"og:image:height\" content=\"1707\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Becs Preddle\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@amlcc_global\" \/>\n<meta name=\"twitter:site\" content=\"@amlcc_global\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Becs Preddle\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"7 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.amlcc.com\\\/ai\\\/whats-a-daml\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.amlcc.com\\\/ai\\\/whats-a-daml\\\/\"},\"author\":{\"name\":\"Becs Preddle\",\"@id\":\"https:\\\/\\\/www.amlcc.com\\\/ai\\\/#\\\/schema\\\/person\\\/3b4671ec016b5042bd0f298536dd7e79\"},\"headline\":\"What\u2019s a DAML?\",\"datePublished\":\"2026-01-20T10:49:08+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.amlcc.com\\\/ai\\\/whats-a-daml\\\/\"},\"wordCount\":1235,\"publisher\":{\"@id\":\"https:\\\/\\\/www.amlcc.com\\\/ai\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/www.amlcc.com\\\/ai\\\/whats-a-daml\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.amlcc.com\\\/wp-content\\\/uploads\\\/2026\\\/01\\\/pexels-duncanoluwaseun-189474-scaled.jpg\",\"inLanguage\":\"en-AI\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.amlcc.com\\\/ai\\\/whats-a-daml\\\/\",\"url\":\"https:\\\/\\\/www.amlcc.com\\\/ai\\\/whats-a-daml\\\/\",\"name\":\"What Is A DAML? | UKFIU Guidance Explained | AML Guides\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.amlcc.com\\\/ai\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www.amlcc.com\\\/ai\\\/whats-a-daml\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/www.amlcc.com\\\/ai\\\/whats-a-daml\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.amlcc.com\\\/wp-content\\\/uploads\\\/2026\\\/01\\\/pexels-duncanoluwaseun-189474-scaled.jpg\",\"datePublished\":\"2026-01-20T10:49:08+00:00\",\"description\":\"A DAML is a request made to the UKFIU for a legal defence before carrying out a transaction that may involve criminal property under POCA.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/www.amlcc.com\\\/ai\\\/whats-a-daml\\\/#breadcrumb\"},\"inLanguage\":\"en-AI\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/www.amlcc.com\\\/ai\\\/whats-a-daml\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-AI\",\"@id\":\"https:\\\/\\\/www.amlcc.com\\\/ai\\\/whats-a-daml\\\/#primaryimage\",\"url\":\"https:\\\/\\\/www.amlcc.com\\\/wp-content\\\/uploads\\\/2026\\\/01\\\/pexels-duncanoluwaseun-189474-scaled.jpg\",\"contentUrl\":\"https:\\\/\\\/www.amlcc.com\\\/wp-content\\\/uploads\\\/2026\\\/01\\\/pexels-duncanoluwaseun-189474-scaled.jpg\",\"width\":2560,\"height\":1707,\"caption\":\"What\u2019s a DAML?\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.amlcc.com\\\/ai\\\/whats-a-daml\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/www.amlcc.com\\\/ai\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"What\u2019s a DAML?\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/www.amlcc.com\\\/ai\\\/#website\",\"url\":\"https:\\\/\\\/www.amlcc.com\\\/ai\\\/\",\"name\":\"AMLCC\",\"description\":\"The single-platform solution for all your AML\",\"publisher\":{\"@id\":\"https:\\\/\\\/www.amlcc.com\\\/ai\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/www.amlcc.com\\\/ai\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-AI\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/www.amlcc.com\\\/ai\\\/#organization\",\"name\":\"AMLCC\",\"url\":\"https:\\\/\\\/www.amlcc.com\\\/ai\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-AI\",\"@id\":\"https:\\\/\\\/www.amlcc.com\\\/ai\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/www.amlcc.com\\\/wp-content\\\/uploads\\\/2023\\\/11\\\/AMLCClogo-500.png\",\"contentUrl\":\"https:\\\/\\\/www.amlcc.com\\\/wp-content\\\/uploads\\\/2023\\\/11\\\/AMLCClogo-500.png\",\"width\":500,\"height\":146,\"caption\":\"AMLCC\"},\"image\":{\"@id\":\"https:\\\/\\\/www.amlcc.com\\\/ai\\\/#\\\/schema\\\/logo\\\/image\\\/\"},\"sameAs\":[\"https:\\\/\\\/x.com\\\/amlcc_global\",\"https:\\\/\\\/www.linkedin.com\\\/company\\\/amlcc\"]},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/www.amlcc.com\\\/ai\\\/#\\\/schema\\\/person\\\/3b4671ec016b5042bd0f298536dd7e79\",\"name\":\"Becs Preddle\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"What Is A DAML? | UKFIU Guidance Explained | AML Guides","description":"A DAML is a request made to the UKFIU for a legal defence before carrying out a transaction that may involve criminal property under POCA.","robots":{"index":"noindex","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"og_locale":"en_US","og_type":"article","og_title":"What Is A DAML? | UKFIU Guidance Explained | AML Guides","og_description":"A DAML is a request made to the UKFIU for a legal defence before carrying out a transaction that may involve criminal property under POCA.","og_url":"https:\/\/www.amlcc.com\/ai\/whats-a-daml\/","og_site_name":"AMLCC","article_published_time":"2026-01-20T10:49:08+00:00","og_image":[{"width":2560,"height":1707,"url":"https:\/\/www.amlcc.com\/wp-content\/uploads\/2026\/01\/pexels-duncanoluwaseun-189474-scaled.jpg","type":"image\/jpeg"}],"author":"Becs Preddle","twitter_card":"summary_large_image","twitter_creator":"@amlcc_global","twitter_site":"@amlcc_global","twitter_misc":{"Written by":"Becs Preddle","Est. reading time":"7 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.amlcc.com\/ai\/whats-a-daml\/#article","isPartOf":{"@id":"https:\/\/www.amlcc.com\/ai\/whats-a-daml\/"},"author":{"name":"Becs Preddle","@id":"https:\/\/www.amlcc.com\/ai\/#\/schema\/person\/3b4671ec016b5042bd0f298536dd7e79"},"headline":"What\u2019s a DAML?","datePublished":"2026-01-20T10:49:08+00:00","mainEntityOfPage":{"@id":"https:\/\/www.amlcc.com\/ai\/whats-a-daml\/"},"wordCount":1235,"publisher":{"@id":"https:\/\/www.amlcc.com\/ai\/#organization"},"image":{"@id":"https:\/\/www.amlcc.com\/ai\/whats-a-daml\/#primaryimage"},"thumbnailUrl":"https:\/\/www.amlcc.com\/wp-content\/uploads\/2026\/01\/pexels-duncanoluwaseun-189474-scaled.jpg","inLanguage":"en-AI"},{"@type":"WebPage","@id":"https:\/\/www.amlcc.com\/ai\/whats-a-daml\/","url":"https:\/\/www.amlcc.com\/ai\/whats-a-daml\/","name":"What Is A DAML? | UKFIU Guidance Explained | AML Guides","isPartOf":{"@id":"https:\/\/www.amlcc.com\/ai\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.amlcc.com\/ai\/whats-a-daml\/#primaryimage"},"image":{"@id":"https:\/\/www.amlcc.com\/ai\/whats-a-daml\/#primaryimage"},"thumbnailUrl":"https:\/\/www.amlcc.com\/wp-content\/uploads\/2026\/01\/pexels-duncanoluwaseun-189474-scaled.jpg","datePublished":"2026-01-20T10:49:08+00:00","description":"A DAML is a request made to the UKFIU for a legal defence before carrying out a transaction that may involve criminal property under POCA.","breadcrumb":{"@id":"https:\/\/www.amlcc.com\/ai\/whats-a-daml\/#breadcrumb"},"inLanguage":"en-AI","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.amlcc.com\/ai\/whats-a-daml\/"]}]},{"@type":"ImageObject","inLanguage":"en-AI","@id":"https:\/\/www.amlcc.com\/ai\/whats-a-daml\/#primaryimage","url":"https:\/\/www.amlcc.com\/wp-content\/uploads\/2026\/01\/pexels-duncanoluwaseun-189474-scaled.jpg","contentUrl":"https:\/\/www.amlcc.com\/wp-content\/uploads\/2026\/01\/pexels-duncanoluwaseun-189474-scaled.jpg","width":2560,"height":1707,"caption":"What\u2019s a DAML?"},{"@type":"BreadcrumbList","@id":"https:\/\/www.amlcc.com\/ai\/whats-a-daml\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.amlcc.com\/ai\/"},{"@type":"ListItem","position":2,"name":"What\u2019s a DAML?"}]},{"@type":"WebSite","@id":"https:\/\/www.amlcc.com\/ai\/#website","url":"https:\/\/www.amlcc.com\/ai\/","name":"AMLCC","description":"The single-platform solution for all your AML","publisher":{"@id":"https:\/\/www.amlcc.com\/ai\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.amlcc.com\/ai\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-AI"},{"@type":"Organization","@id":"https:\/\/www.amlcc.com\/ai\/#organization","name":"AMLCC","url":"https:\/\/www.amlcc.com\/ai\/","logo":{"@type":"ImageObject","inLanguage":"en-AI","@id":"https:\/\/www.amlcc.com\/ai\/#\/schema\/logo\/image\/","url":"https:\/\/www.amlcc.com\/wp-content\/uploads\/2023\/11\/AMLCClogo-500.png","contentUrl":"https:\/\/www.amlcc.com\/wp-content\/uploads\/2023\/11\/AMLCClogo-500.png","width":500,"height":146,"caption":"AMLCC"},"image":{"@id":"https:\/\/www.amlcc.com\/ai\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/x.com\/amlcc_global","https:\/\/www.linkedin.com\/company\/amlcc"]},{"@type":"Person","@id":"https:\/\/www.amlcc.com\/ai\/#\/schema\/person\/3b4671ec016b5042bd0f298536dd7e79","name":"Becs Preddle"}]}},"uagb_featured_image_src":{"full":["https:\/\/www.amlcc.com\/wp-content\/uploads\/2026\/01\/pexels-duncanoluwaseun-189474-scaled.jpg",2560,1707,false],"thumbnail":["https:\/\/www.amlcc.com\/wp-content\/uploads\/2026\/01\/pexels-duncanoluwaseun-189474-150x150.jpg",150,150,true],"medium":["https:\/\/www.amlcc.com\/wp-content\/uploads\/2026\/01\/pexels-duncanoluwaseun-189474-300x200.jpg",300,200,true],"medium_large":["https:\/\/www.amlcc.com\/wp-content\/uploads\/2026\/01\/pexels-duncanoluwaseun-189474-768x512.jpg",768,512,true],"large":["https:\/\/www.amlcc.com\/wp-content\/uploads\/2026\/01\/pexels-duncanoluwaseun-189474-1024x683.jpg",1024,683,true],"1536x1536":["https:\/\/www.amlcc.com\/wp-content\/uploads\/2026\/01\/pexels-duncanoluwaseun-189474-1536x1024.jpg",1536,1024,true],"2048x2048":["https:\/\/www.amlcc.com\/wp-content\/uploads\/2026\/01\/pexels-duncanoluwaseun-189474-2048x1365.jpg",2048,1365,true]},"uagb_author_info":{"display_name":"Becs Preddle","author_link":"https:\/\/www.amlcc.com\/ai\/author\/becskokopelli-london\/"},"uagb_comment_info":0,"uagb_excerpt":"A DAML (Defence Against Money Laundering) is a request for a legal defence made through the suspicious activity reporting regime when you believe carrying out a specific transaction could expose you to a money laundering offence. This wording comes from the UK Financial Intelligence Unit\u2019s (UKFIU)\u00a0SARs Best Practice Guidance. UKFIU uses the term to describe&hellip;","_links":{"self":[{"href":"https:\/\/www.amlcc.com\/ai\/wp-json\/wp\/v2\/posts\/10804","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.amlcc.com\/ai\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.amlcc.com\/ai\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.amlcc.com\/ai\/wp-json\/wp\/v2\/users\/6"}],"replies":[{"embeddable":true,"href":"https:\/\/www.amlcc.com\/ai\/wp-json\/wp\/v2\/comments?post=10804"}],"version-history":[{"count":0,"href":"https:\/\/www.amlcc.com\/ai\/wp-json\/wp\/v2\/posts\/10804\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.amlcc.com\/ai\/wp-json\/wp\/v2\/media\/10805"}],"wp:attachment":[{"href":"https:\/\/www.amlcc.com\/ai\/wp-json\/wp\/v2\/media?parent=10804"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.amlcc.com\/ai\/wp-json\/wp\/v2\/categories?post=10804"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.amlcc.com\/ai\/wp-json\/wp\/v2\/tags?post=10804"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}