Regulatory Reporting & goAML

MLRO and compliance prepare governed STR/SAR report packs, validate goAML XML, and record submissions with locked evidence. Final submission and every suspicious-transaction decision remain restricted human responsibilities.

CMP-08 RPT-22

AML cases

Draft packs

2 awaiting evidence

Pending MLRO approval

oldest 3 days

Submitted FY2026

9 acknowledged · 2 pending

Deadline breaches

RPT-STR-0142 overdue 2 days

Validation failures (7d)

all schema 4.0.3 issues

Submission mode is configuration-driven — no mode assumed universally Dubai HQ entity is configured for approved portal handoff (goAML web portal, UAE FIU). Abu Dhabi Branch uses controlled manual filing. A validated API connector exists but is Inactive pending legal approval — see Compliance Policy Studio. Reporter identity, final submission and suspicious-transaction decisions are restricted to the registered MLRO (Ahmed Al Blooshi).

STR / SAR report pack register

Pack	Type	Linked case	Subject (restricted)	Status	Internal deadline	Days left	Owner	Confidentiality
RPT-STR-0142	STR	CASE-2026-014	F●●●●● T●●●●●● FZ-●●●	MLRO approval pending	15 Jul 2026	−2	AB A. Al Blooshi	Tipping-off protected
RPT-STR-0141	STR	CASE-2026-012	D●●●●● G●●● GT ●●●	Draft — evidence assembly	21 Jul 2026	4	NS N. Saeed	Tipping-off protected
RPT-SAR-0038	SAR	CASE-2026-011	Individual ●●●●	Internal review	24 Jul 2026	7	NS N. Saeed	Case users only
RPT-STR-0140	STR	CASE-2026-009	Individual ●●●●	Submitted — awaiting FIU ack	10 Jul 2026	met	AB A. Al Blooshi	Locked
RPT-STR-0139	STR	CASE-2026-008	Corporate ●●●●	Acknowledged	28 Jun 2026	met	AB A. Al Blooshi	Locked
RPT-AIF-0007	AIF (additional info)	CASE-2026-008	Corporate ●●●●	Draft — FIU query response	20 Jul 2026	3	GO G. Okafor (read-only)	Case users only
RPT-STR-0138	STR	CASE-2026-006	Individual ●●●●	Acknowledged	15 Jun 2026	met	AB A. Al Blooshi	Locked
RPT-SAR-0037	SAR	CASE-2026-005	Vendor ●●●●	Withdrawn — reason recorded, evidence retained	—	—	AB A. Al Blooshi	Case users only

goAML XML validation — RPT-STR-0142 2 blocking errors

File: STR_0142_v3.xml (48 KB)
Schema: goAML XSD 4.0.3 (UAE FIU profile)
Validated: 17 Jul 2026 10:22 by Noura Saeed
Result: Failed — submission blocked

Severity	Code	XPath	Message
Error	`GOAML-E-1201`	`/report/transaction[3]/t_from_my_client/from_account`	Required element `account_number` missing for transaction leg
Error	`GOAML-E-0407`	`/report/reporting_person/passport_country`	Invalid ISO-3166 code "UAE" — expected "AE"
Warning	`GOAML-W-2110`	`/report/transaction[1]/amount_local`	Amount AED 1,240,000.00 differs from linked receipt total by AED 0.05 (tolerance note attached)
Info	`GOAML-I-0003`	`/report/report_indicators`	Indicator set STR-RE-04 (real-estate layering) applied from case rules

Validation history is retained per version: v1 (5 errors) → v2 (3) → v3 (2). Blocking errors prevent the pack from entering MLRO approval.

Validation connector

Record submission — locks reference, version & evidence

Submission evidence — locked packs Every access & export is audited (RPT-22)

Pack	Official reference	Mode	Submitted by	Submitted (GST)	Version hash (SHA-256)	Evidence items	State
RPT-STR-0140	`UAEFIU-STR-2026-08814`	Portal handoff	Ahmed Al Blooshi (MLRO)	2026-07-16 15:41	`4c1f9e02…77ab`	XML v4 · 9 attachments · portal receipt PDF	Locked
RPT-STR-0139	`UAEFIU-STR-2026-08630`	Portal handoff	Ahmed Al Blooshi (MLRO)	2026-06-27 11:05	`b90d112a…3e51`	XML v2 · 6 attachments · ack ref `ACK-77120`	Locked + acknowledged
RPT-STR-0138	`UAEFIU-STR-2026-08112`	Manual filing (AUH branch)	Ahmed Al Blooshi (MLRO)	2026-06-14 09:32	`77aa0c9d…914f`	XML v3 · 11 attachments · stamped cover letter scan	Locked + acknowledged
RPT-SAR-0036	`UAEFIU-SAR-2026-01977`	Portal handoff	Ahmed Al Blooshi (MLRO)	2026-05-30 16:20	`e3128b6c…0acd`	XML v1 · 4 attachments	Locked — FIU query open (AIF-0007)
RPT-STR-0137	`UAEFIU-STR-2026-07740`	Portal handoff	Ahmed Al Blooshi (MLRO)	2026-05-18 10:11	`19fe44d1…b208`	XML v2 · 7 attachments	Locked + acknowledged

Deadline tracker — next 30 days

RPT-STR-0142−2 d

RPT-AIF-00073 d

RPT-STR-01414 d

RPT-SAR-00387 d

Pack	Milestone	Due	Status
RPT-STR-0142	MLRO approval + filing	15 Jul 2026	Overdue 2 days — escalated to MLRO + audit log
RPT-AIF-0007	FIU additional-info response	20 Jul 2026	Due in 3 days
RPT-STR-0141	Evidence assembly complete	21 Jul 2026	Due in 4 days
RPT-SAR-0038	Internal review sign-off	24 Jul 2026	On track

Pack lifecycle & controls

Draft Internal review MLRO approval Submitted Acknowledged / locked

17 Jul 2026 10:22

Validation v3 failed — 2 blocking errors

RPT-STR-0142 · Noura Saeed · pack held before approval gate
16 Jul 2026 15:41

Submission recorded & locked

RPT-STR-0140 · Ahmed Al Blooshi · ref UAEFIU-STR-2026-08814
15 Jul 2026 09:00

Deadline breach flagged

RPT-STR-0142 · auto-notification to MLRO; reason pending
14 Jul 2026 13:30

Pack created from case decision

CASE-2026-014 · STR decision recorded by MLRO (human-only decision)

Confidentiality: packs are visible only to authorized case users; auditors (Grace Okafor) get read-only evidence access, logged per view. Tipping-off protection hides pack existence from CRM & sales roles.

Static render mockup — no live data. Source: ERP Modern Development Specification v2.0 · Covers: CMP-08 (regulatory reporting & goAML evidence — configured submission modes, locked references, restricted human responsibilities); reporting alignment RPT-22.