{"id":10770,"date":"2026-01-01T13:46:12","date_gmt":"2026-01-01T13:46:12","guid":{"rendered":"https:\/\/www.amlcc.com\/?p=10770"},"modified":"2026-09-07T13:03:06","modified_gmt":"2026-09-07T13:03:06","slug":"what-needs-to-be-in-a-sar","status":"publish","type":"post","link":"https:\/\/www.amlcc.com\/gd\/what-needs-to-be-in-a-sar\/","title":{"rendered":"What needs to be in a suspicion report?"},"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 needs to be in a suspicion report?<\/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\/08\/Lisa-Simms-AMLCC-Consult-1024x1024.png\" alt=\"Lisa Simms\" width=\"80\" height=\"80\" loading=\"lazy\"\/><\/div><div class=\"uagb-ifb-title-wrap\"><span class=\"uagb-ifb-title-prefix\">Lisa Simms<\/span><h3 class=\"uagb-ifb-title\">Director and Founder of AMLCC and AMLCC Consult<\/h3><\/div><\/div><\/div><\/div>\n\n\n<figure class=\"wp-block-post-featured-image\"><img loading=\"lazy\" decoding=\"async\" width=\"2560\" height=\"1440\" src=\"https:\/\/www.amlcc.com\/wp-content\/uploads\/2025\/12\/pexels-suzyhazelwood-1634213-scaled.jpg\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"What needs to be in a SAR?\" style=\"aspect-ratio:16\/9;width:100%;height:480px;object-fit:cover;\" srcset=\"https:\/\/www.amlcc.com\/wp-content\/uploads\/2025\/12\/pexels-suzyhazelwood-1634213-scaled.jpg 2560w, https:\/\/www.amlcc.com\/wp-content\/uploads\/2025\/12\/pexels-suzyhazelwood-1634213-300x169.jpg 300w, https:\/\/www.amlcc.com\/wp-content\/uploads\/2025\/12\/pexels-suzyhazelwood-1634213-1024x576.jpg 1024w, https:\/\/www.amlcc.com\/wp-content\/uploads\/2025\/12\/pexels-suzyhazelwood-1634213-768x432.jpg 768w, https:\/\/www.amlcc.com\/wp-content\/uploads\/2025\/12\/pexels-suzyhazelwood-1634213-1536x864.jpg 1536w, https:\/\/www.amlcc.com\/wp-content\/uploads\/2025\/12\/pexels-suzyhazelwood-1634213-2048x1152.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\">An external suspicion report, known as a SAR in the UK and US, an STR under FATF terminology and an SMR in Australia, is the formal notification you send to your national financial intelligence unit (FIU) when you know or suspect <a href=\"https:\/\/www.amlcc.com\/what-is-money-laundering\/\">money laundering<\/a>, <a href=\"https:\/\/www.amlcc.com\/what-is-terrorist-financing\/\">terrorist financing<\/a> or <a href=\"https:\/\/www.amlcc.com\/what-is-proliferation-financing\/\">proliferation financing<\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">FATF&#8217;s Recommendation 20 requires countries to make this reporting a legal obligation. This means that wherever you&#8217;re regulated, the principle is the same: once you have suspicion, reporting isn&#8217;t optional and it can&#8217;t be delayed.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A suspicion report represents your professional judgement, rather than being an accusation or a legal conclusion.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Your FIU needs enough information to quickly understand what&#8217;s happened, assess the risk, connect it to other reports it holds and decide what action to take next.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">That means your report should answer six simple questions clearly:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Who is involved<\/li>\n\n\n\n<li>What has happened<\/li>\n\n\n\n<li>When it happened<\/li>\n\n\n\n<li>Where it happened<\/li>\n\n\n\n<li>How the activity was carried out<\/li>\n\n\n\n<li>Why it is suspicious<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">If those six elements are present and well explained, you\u2019re already a long way towards a good-quality report.<\/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>Internal reports and the role of the MLRO<\/strong><\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">In regulated businesses, staff don\u2019t submit SARs externally. They submit an internal report to the\u00a0<a href=\"https:\/\/www.amlcc.com\/what-is-the-role-of-the-mlro\/\">MLRO<\/a>\u00a0or equivalent nominated officer.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A good internal suspicion report should contain the same core information as an external report. That allows the MLRO to:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>assess the suspicion properly;<\/li>\n\n\n\n<li>decide whether an external report is required;<\/li>\n\n\n\n<li>add context or additional information if needed; and<\/li>\n\n\n\n<li>document the decision-making process.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">This is where having a structured internal report process really matters. If information is missing at the internal stage, it often leads to delays, follow-up questions or weaker external reports.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>The core information every report must include<\/strong><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Who is involved<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">You should identify all relevant parties, not just your client. This includes:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>the main subject of suspicion;<\/li>\n\n\n\n<li>any associated individuals or entities;<\/li>\n\n\n\n<li>beneficial owners, directors or trustees where relevant; and<\/li>\n\n\n\n<li>third parties involved in transactions.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Use full names, dates of birth, addresses, company numbers and account details where you have them. If you don\u2019t know something, don\u2019t guess. Just leave it out. Clarity matters more than completeness. Accurate identifiers help the FIU connect your report with others.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>What is suspicious<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">This is the factual description of the activity that caused concern. Focus on what you observed, not what you think it means. Avoid emotive language. Stick to what happened and what you\u2019ve witnessed. For example:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>unusual transactions or payment patterns;<\/li>\n\n\n\n<li>inconsistencies between the client\u2019s profile and their activity;<\/li>\n\n\n\n<li>reluctance or refusal to provide information;<\/li>\n\n\n\n<li>explanations that change over time; or<\/li>\n\n\n\n<li>transactions that appear to have no clear economic or legal purpose.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>When it happened<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Dates and timeframes are critical, and if the activity is ongoing say so clearly. Be as specific as you can with:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>exact transaction dates;<\/li>\n\n\n\n<li>periods during which suspicious behaviour occurred; and<\/li>\n\n\n\n<li>when concerns first arose.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Where it happened<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">This includes:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>relevant jurisdictions;<\/li>\n\n\n\n<li>bank accounts and financial institutions;<\/li>\n\n\n\n<li>property addresses; and<\/li>\n\n\n\n<li>countries involved in transactions or ownership structures.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Jurisdictional detail is particularly important where overseas entities, high-risk countries or sanctions exposure may be relevant.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>How the activity was carried out<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">This is where many internal suspicion reports are weak. The FIU needs to understand the mechanics. Explain:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>how funds moved from A to B;<\/li>\n\n\n\n<li>how structures were set up or used;<\/li>\n\n\n\n<li>how the client interacted with you or others; and<\/li>\n\n\n\n<li>how transactions were funded or routed.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Why it is suspicious<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">This is the most important section. You should clearly explain why, in your professional judgement, the activity raised suspicion. This is not the place to quote legislation or guidance. It\u2019s about showing your reasoning. Link it to:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>the client\u2019s known profile;<\/li>\n\n\n\n<li>what you would normally expect to see;<\/li>\n\n\n\n<li>relevant red flags or risk indicators; and<\/li>\n\n\n\n<li>gaps, inconsistencies or implausible explanations.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>The importance of a clear narrative<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The FIU strongly encourages reporters to use the free-text narrative section properly. This is where you pull everything together. A good narrative:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>follows a logical order;<\/li>\n\n\n\n<li>uses plain language;<\/li>\n\n\n\n<li>avoids jargon and internal abbreviations; and<\/li>\n\n\n\n<li>explains context, not just transactions.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Imagine you\u2019re explaining the situation to someone who has never seen the client before. That\u2019s effectively what you\u2019re doing.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>What not to include in a report<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">There are some common mistakes that reduce internal suspicion report quality. Avoid:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>speculation about criminal offences you can\u2019t evidence;<\/li>\n\n\n\n<li>irrelevant background information;<\/li>\n\n\n\n<li>copying internal risk assessments verbatim;<\/li>\n\n\n\n<li>defensive language explaining why you acted correctly; and<\/li>\n\n\n\n<li>mentioning that a report has been or will be filed.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Never let a\u00a0client\u00a0know that a report has been made, known as \u2018<a href=\"https:\/\/www.amlcc.com\/what-is-tipping-off\/\">tipping off<\/a>\u2019. This includes subtle hints or changes in behaviour that could reasonably alert them. It\u2019s an offence and could see you being prosecuted too.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Record keeping and audit trails<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Submitting a report is not the end of the process. FATF&#8217;s Recommendation 11 requires you to keep records of your suspicious activity reporting and the decisions behind it, so you can demonstrate a <a href=\"https:\/\/www.amlcc.com\/what-is-a-risk-based-approach\/\">risk-based approach<\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">You must keep clear records of:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>the internal suspicion reports raised by staff, along with the information they provided;<\/li>\n\n\n\n<li>your MLRO&#8217;s decisions after reviewing each internal report;<\/li>\n\n\n\n<li>the reasoning behind submitting, or not submitting, an external suspicion report to your FIU;<\/li>\n\n\n\n<li>any consent or safe harbour request made to your FIU and its outcome, where your jurisdiction operates this kind of regime.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Keep these records securely so you can produce them promptly if needed. Supervisors routinely review report logs and decision records during AML inspections, to assess whether suspicions are being identified, escalated and handled appropriately.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Using technology to support better reports<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Technology can\u2019t replace professional judgement, but it can support consistency and completeness.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A structured internal suspicion reporting process helps staff know what information to include and prompts them to think through the six key questions. It also helps MLROs manage reports, track decisions and maintain clear audit trails.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For businesses using AMLCC, the\u00a0<a href=\"https:\/\/www.amlcc.com\/product-features\/internal-sar-portal\/\">Internal Suspicion Reporting<\/a>\u00a0feature mirrors the questions your FIU is likely to ask, guiding staff through the information needed, centralising reporting and linking each report to the client&#8217;s risk assessment and records.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">That makes it easier to produce higher-quality external SARs and demonstrate compliance during reviews.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Final thoughts<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">A good internal suspicion report is clear, focused and grounded in professional judgement. It doesn\u2019t need to be long or legalistic, but it does need to explain the story behind the suspicion.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If you can clearly answer who, what, when, where, how and why, you are meeting the FIU\u2019s expectations and protecting both your firm and the wider financial system.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Treat reporting as part of your risk management process, not a last-minute task. The quality of your reports says a lot about the quality of your AML framework overall.<\/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-1 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-2 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=\"#the-core-information-every-report-must-include\" class=\"uagb-toc-link__trigger\">The core information every report must include<\/a><li class=\"uagb-toc__list\"><a href=\"#the-importance-of-a-clear-narrative\" class=\"uagb-toc-link__trigger\">The importance of a clear narrative<\/a><li class=\"uagb-toc__list\"><a href=\"#what-not-to-include-in-a-report\" class=\"uagb-toc-link__trigger\">What not to include in a report<\/a><li class=\"uagb-toc__list\"><a href=\"#record-keeping-and-audit-trails\" class=\"uagb-toc-link__trigger\">Record keeping and audit trails<\/a><li class=\"uagb-toc__list\"><a href=\"#using-technology-to-support-better-reports\" class=\"uagb-toc-link__trigger\">Using technology to support better reports<\/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-3 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-4 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-5 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\" 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>An external suspicion report, known as a SAR in the UK and US, an STR under FATF terminology and an SMR in Australia, is the formal notification you send to your national financial intelligence unit (FIU) when you know or suspect money laundering, terrorist financing or proliferation financing. FATF&#8217;s Recommendation 20 requires countries to make [&hellip;]<\/p>\n","protected":false},"author":6,"featured_media":10765,"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-10770","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>What Needs To Be In An Internal Suspicion Report? 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