We provide regulatory guidance, risk assessments, compliance programme development, operational support and managed services, ensuring that firms in the real estate industry remain compliant while reducing exposure to illicit activity.
‍
Our Expertise Covers

Anti-Money Laundering (AML) Compliance
Real estate transactions present significant money laundering risks, particularly when involving:

• High-value property purchases

• Complex corporate structures, trusts and offshore entities

• Foreign investment and politically exposed persons (PEPs)
‍

Lysis helps real estate developers, agencies, conveyancers, mortgage lenders and investment firms implement and enhance AML frameworks, ensuring compliance with regulations such as:

• UK Money Laundering Regulations (MLR)

• Financial Conduct Authority (FCA) and HMRC AML supervision

• EU AML Directives

• US Bank Secrecy Act (BSA) and FinCEN regulations
‍

We support firms in:

• Developing AML policies and procedures

• Implementing robust customer due diligence (CDD) and enhanced due diligence (EDD)

• Building effective transaction monitoring processes forreal estate payments

• Training staff to identify real estate-specific financial crime red flags
‍

Know Your Customer (KYC) & Source of Funds Verification

Understanding the identity and source of wealth of property buyers, investors and tenants is critical for mitigating financial crime risks. Lysis helps firms implement risk-based KYC/CDD processes, including:

• Ultimate Beneficial Owner (UBO) verification

• Enhanced due diligence for high-risk clients, including PEPs

• Sanctions screening and adverse media checks

• Automated KYC workflow implementation for real estate transactions
‍

Sanctions Compliance & Risk Management

With increasing sanctions on individuals, entities and jurisdictions, real estate firms must ensure they are not facilitating property transactions for sanctioned persons or organisations. Lysis provides:

• Real-time sanctions screening solutions

• Sanctions risk exposure assessments for property transactions

• Compliance frameworks aligned with UK, EU and US sanctions regulations
‍

Fraud & Financial Crime Risk Assessments

Real estate transactions are vulnerable to mortgage fraud, identity theft and illicit financing schemes. Lysis provides:

• Enterprise-Wide Risk Assessments (EWRA)

• Fraud risk mitigation strategies

• Property transaction monitoring for suspicious activity

• Staff training on fraud detection in real estate
‍

Governance & Compliance Frameworks

Strong governance is essential for real estate firms to meet AML, CDD and risk management obligations. We help firms develop:

• Board-level compliance governance structures

• Three Lines of Defence (3LoD) risk management models

• Policies covering financial crime, AML and regulatory risk
‍

Operational Support & Managed Services

Lysis offers specialist operational support to real estate firms, including:

• KYC remediation and backlogs clearance

• Transaction monitoring and quality assurance

• Interim compliance officers and Money Laundering Reporting Officers (MLROs)

• Regulatory audits and reporting assistance