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 Helping your firm stay one step ahead of financial crime.

We do financial crime prevention differently.

At STJ, we believe robust controls shouldn’t come at the expense of business flow. We take a risk-based, commercially aware approach to financial crime — helping firms meet their obligations without creating unnecessary friction for clients or operations.

Whether you’re facing increased scrutiny, preparing for a regulatory review, or strengthening your defences across jurisdictions, we provide practical, proportionate support. We help financial services firms in the UK and UAE build, enhance, and embed financial crime frameworks that are effective, efficient, and tailored to their risk profile.

From AML and fraud to sanctions and anti-bribery, we help you protect your business and your clients — without over-engineering the process.

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Our Financial Crime Consultancy Services Include:

1. AML Frameworks & Policies

  • Design, review, and enhancement of AML/CTF frameworks

  • Risk-based approach and business model alignment

  • Development of financial crime risk assessments (UK and UAE-specific)

2. Know Your Customer (KYC) & CDD

  • KYC framework design and customer onboarding enhancements

  • Client risk scoring models and trigger event reviews

  • Support with enhanced due diligence (EDD) procedures

3. Sanctions Compliance

  • Sanctions policy development and screening guidance

  • Controls for UK, EU, UN, OFAC and local UAE requirements

  • Sanctions risk assessments and escalation procedures

4. Fraud Risk Management

  • Fraud prevention frameworks and control testing

  • Incident response protocols and fraud risk assessments

  • Staff training on fraud awareness and typologies

5. Anti-Bribery & Corruption (ABC)

  • ABC policy development, risk assessments, and registers

  • Gifts and hospitality procedures

  • Third-party risk and conflicts of interest controls

6. Counter-Terrorist Financing (CTF)

  • CTF-specific risk assessments and red flag training

  • Transaction monitoring and typology reviews

  • Regulatory response preparation and documentation

7. Financial Crime Reviews & Investigations

  • Independent reviews of financial crime frameworks and files

  • Thematic deep dives (e.g. high-risk customers, PEPs, offshore trusts)

  • Internal investigations support and remediation planning

8. Regulatory Engagement & Assurance

  • Preparation for FCA/DFSA/FSRA AML supervisory visits

  • Section 166 support (UK) and regulatory remediation plans

  • Financial crime audit readiness and external review response

9. Training & Culture Building

  • Tailored training for all levels – from front-line to Board

  • Culture assessments and reinforcement planning

  • Support embedding financial crime prevention into everyday operations

Why Work With STJ?

✔️ Deep expertise across AML, Fraud, Sanctions, ABC, and CTF
✔️ Support aligned with FCA, DFSA, FSRA, and UAE Central Bank expectations
✔️ Practical advice – not just theoretical guidance
✔️ Proven delivery for regulated firms, from start-ups to global institutions
✔️ Flexible delivery – retained support, project-based or advisory input
✔️ Access to previous Financial Crime Directors (SMF17), MLROs, and ex-FCA Supervisors