Anti-Money Laundering Policy

Before opening an account we verify identity, address, date of birth and, where relevant, source of funds and source of wealth. Enhanced due diligence applies to high-risk customers, PEPs and unusual transaction patterns.

All transactions are screened in real time against sanctions and PEP lists. Automated rules flag structuring, rapid in-and-out flows, mismatched geographies and other typologies for compliance review.

We do not accept business from sanctioned individuals, entities or jurisdictions, or from persons unable to demonstrate a lawful source of funds. Cash deposits are not permitted.

Deposits and withdrawals must be to and from accounts in the client’s own name. Third-party funding is refused and returned to source.

Employees are trained to identify and escalate suspicious activity. Reports are filed with the relevant Financial Intelligence Unit as required by law, without notice to the client.

KYC records, transaction data and investigations are retained for a minimum of seven (7) years, or longer where required.

A designated Money Laundering Reporting Officer (MLRO) oversees the programme. All staff receive annual AML/CTF training and role-specific refreshers.

Flow Markets cooperates fully with regulators, law-enforcement and tax authorities in accordance with applicable legal requests.