AML Training for Real Estate Professionals
Identify Money Laundering Risks & Protect Real Estate Deals
Hours
Lectures
Content
About This Course
Real estate transactions can be attractive to criminals seeking to conceal, move, or integrate illicit funds. AML Training for Real Estate Professionals teaches learners how to recognize property-related money laundering risks, understand customer due diligence, identify beneficial ownership concerns, and escalate suspicious activity. The course covers U.S. and international AML frameworks, sanctions awareness, source-of-funds reviews, PEP screening, transaction red flags, recordkeeping, and emerging risks involving cryptocurrency and AI. FATF identifies real estate as a sector vulnerable to money laundering and recommends a risk-based approach for professionals operating within applicable national AML frameworks.
What You'll Learn
- Understand the fundamentals of AML Training for Real Estate Professionals and property-related money laundering risks.
- Recognize placement, layering, integration, shell companies, nominees, and beneficial ownership risks.
- Understand applicable U.S. AML, sanctions, and real estate reporting requirements.
- Apply customer identification, beneficial ownership, source-of-funds, and source-of-wealth review concepts.
- Identify PEP, sanctions, high-risk customer, and suspicious transaction indicators.
- Understand reporting, confidentiality, recordkeeping, and escalation responsibilities.
- Recognize emerging risks involving cryptocurrency, digital identity, AI, and payment fraud.
Requirements
- No previous AML or financial crime experience is required to complete AML Training for Real Estate Professionals.
- Basic knowledge of real estate transactions is helpful but not required.
- Suitable for real estate agents, brokers, property professionals, compliance personnel, and transaction teams.
- Access to a computer, tablet, or smartphone for online learning.
- Commitment to following applicable AML, sanctions, and professional requirements.
This Course Includes
- 4+ hours of self-paced AML Training for Real Estate Professionals.
- Downloadable AML checklists and real estate risk assessment resources.
- Practical property transaction and customer due diligence scenarios.
- Knowledge checks to reinforce learning.
- Mobile and desktop access.
- Learn anytime with 1-year unlimited access.
- Professional Certificate of Completion.
Who Is This Course For?
This course is ideal for real estate agents, brokers, property managers, real estate investors, transaction professionals, compliance officers, mortgage professionals, conveyancing and closing personnel, and other professionals involved in property transactions.
It is also valuable for real estate organizations seeking to improve financial crime awareness, customer due diligence, sanctions screening, beneficial ownership understanding, and transaction risk management.
Certification
Compliance and Regulatory Alignment
This course introduces AML concepts aligned with FATF's risk-based guidance for the real estate sector and relevant U.S. financial crime frameworks. FATF identifies real estate agents and related professionals as potential gatekeepers who may face money laundering and corruption risks.
For the U.S., the regulatory position requires careful distinction by role. As of 2026, FinCEN's Residential Real Estate Reporting Rule requires certain reporting persons involved in covered non-financed residential real estate transfers to report information to FinCEN. A real estate agent acting solely as a real estate agent is generally not in the reporting cascade, although an agent can become a reporting person when performing another covered closing or settlement function.
Why Compliance Training Matters
Real estate can be used to conceal criminal proceeds through complex ownership structures, corporate vehicles, loans, and other transaction arrangements. FATF highlights these vulnerabilities and recommends risk-based controls, customer due diligence, and risk assessment for applicable real estate professionals.
Effective training helps professionals recognize warning signs, understand their role-specific obligations, escalate concerns appropriately, and maintain accurate records. It also helps organizations respond to evolving risks involving sanctions, digital payments, cryptocurrency, and technology-enabled financial crime.
Career Benefits
AML knowledge is increasingly valuable across real estate brokerage, property management, mortgage services, financial services, compliance, transaction management, and risk functions. Professionals who understand customer due diligence, beneficial ownership, sanctions, and financial crime risks can contribute more effectively to compliant property transactions.
Completing this course strengthens your AML and risk-management knowledge and demonstrates your commitment to responsible, transparent, and compliant real estate practices
Course Curriculum
20 •4.5 hours
Module 1: Real Estate Money Laundering Risks and Criminal Methods
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The Role of Real Estate in Money Laundering and Financial Crime
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Placement, Layering and Integration Through Property Transactions
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Shell Companies, Trusts, Nominees and Hidden Property Ownership
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Property Flipping, Valuation Abuse, Sham Loans and Illicit Rental Income
Module 2: United States AML Laws and Regulatory Responsibilities
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Bank Secrecy Act, USA PATRIOT Act and Anti-Money Laundering Act Requirements
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FinCEN Rules, Mortgage Sector Duties and Non-Financed Property Transfers
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Corporate Transparency, Beneficial Ownership and Legal Entity Risk
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OFAC Sanctions, Federal Enforcement and State Professional Obligations
Module 3: Global Real Estate AML Standards and Jurisdictional Duties
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FATF Requirements for Real Estate Agents and Other Gatekeepers
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European Union, United Kingdom and Canadian Property Sector Controls
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Australian, New Zealand and Asian Real Estate AML Requirements
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Middle Eastern, African and Cross-Border Property Compliance
Module 4: Customer Due Diligence and Property Transaction Risk Controls
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Customer Identification, Entity Verification and Beneficial Ownership
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Source of Funds, Source of Wealth and Transaction Purpose Review
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Politically Exposed Persons, Sanctions and High Risk Customer Screening
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Enhanced Due Diligence Risk Ratings and Ongoing Transaction Monitoring
Module 5: Real Estate AML Compliance and Professional Accountability
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Property Transaction Red Flags and Suspicious Activity Escalation
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Reporting Confidentiality, Tipping Off and Recordkeeping Duties
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AML Governance Policies, Training and Independent Compliance Testing
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Digital Identity, Cryptocurrency, Artificial Intelligence and Payment Fraud Controls
Frequently Asked Questions
AML Training for Real Estate Professionals teaches learners how to recognize money laundering risks associated with property transactions, understand due diligence concepts, identify suspicious activity indicators, and support applicable compliance responsibilities.
This course is designed for real estate agents, brokers, property managers, investors, transaction professionals, compliance teams, mortgage professionals, and other professionals involved in property transactions.
Yes. The course introduces the Bank Secrecy Act, USA PATRIOT Act, AML requirements, FinCEN rules, sanctions concepts, beneficial ownership, and real estate reporting considerations. However, specific obligations depend on the professional's role and the transaction. FinCEN states that a real estate agent acting solely as an agent is generally not a reporting person under the Residential Real Estate Reporting Rule.
Yes. The curriculum covers customer identification, entity verification, beneficial ownership, source of funds, source of wealth, transaction purpose, enhanced due diligence, and risk ratings.
Yes. The curriculum introduces FATF standards and AML requirements across the European Union, United Kingdom, Canada, Australia, New Zealand, Asia, the Middle East, and Africa. Requirements vary by jurisdiction, so learners should follow the rules applicable to their location and professional role. FATF's real estate guidance is designed to support national AML/CFT frameworks rather than replace local requirements.
Yes. The curriculum covers OFAC sanctions, sanctions screening, high-risk customers, and related compliance considerations. Real estate professionals can face sanctions risks when property, payments, ownership structures, or counterparties involve sanctioned persons or entities.
Yes. After completing the course, you will receive a professional Certificate of Completion recognizing your knowledge of real estate AML risks, customer due diligence, beneficial ownership, sanctions awareness, and financial crime prevention.