AML/CFT Policy
Our anti-money laundering and counter-financing of terrorism programme, applied at every branch and every transaction.
Our commitment
HME operates a risk-based AML/CFT programme in line with the Anti-Money Laundering, Anti-Terrorism Financing and Proceeds of Unlawful Activities Act 2001 (AMLA) and Bank Negara Malaysia's requirements for licensed Money Services Businesses.
Customer due diligence
We verify customer identity for all transactions, with enhanced due diligence applied above regulatory thresholds or for higher-risk profiles, before any exchange or money transfer is completed.
Transaction monitoring
Transactions are screened and monitored on an ongoing basis to detect unusual or suspicious activity, which is escalated internally and reported to the relevant authorities where required.
Record keeping & training
Customer and transaction records are retained as required by law, and all branch staff receive regular AML/CFT training as part of our compliance programme.