Threat Secure Packages · 04 of 11
AML Protection
Keeps the business from being used to move scam money, and covers staff who get recruited as mules.
Training · One-off or yearly
AMLAware
Builds the habit in people. HRD Corp claimable where registered.
- AML and CFT awareness for all staff
- Compliance Officer essentials
- Mule account awareness for staff and interns
- Red flag training for frontline
Assessment · One-off project
AMLCheck
Finds the gaps today and ranks the fixes by risk.
- AML and CFT programme gap review
- Sample testing of customer due diligence
- Red flag review of past transactions
- Policy and procedure review
Managed · Monthly retainer
AMLGuard
Puts the cyber and physical controls in place, then watches and responds every month.
- Outsourced compliance officer support
- CDD, EDD and sanctions screening set up
- Suspicious transaction reporting support
- Record keeping and locked KYC file storage
- Annual refresher and board update
Risks covered
Money laundering, mule accounts, sanctions and terrorism financing
Best for
Reporting institutions, fund managers, money services, property and gold dealers
Malaysian anchor
Penal Code Sections 424A to 424D on mule accounts. 1,303 arrests in Operasi Mule, Sept 2025.
Did you know?
Figures from published surveys and official reports on aml risk in Malaysia.
Did you know over 173,000 mule accounts have been identified? A total of 173,224 mule accounts were identified between 2022 and July 2025.
Most victims approve the transfer themselves. About 95% of fraudulent online banking transactions through mule accounts were authorised by the victims, after being manipulated by scammers.
Getting the money back is hard. Only about RM34 million in scammed funds was recovered from mule accounts in 2025, and RM6.7 million has been returned to victims.