34 reasons to rethink your AML: What the new HMRC rules mean

On 9 September 2025, HMRC introduced a landmark update to its AML guidance, extending existing guidance with specific guidance on risks assessment and customer due diligence (CDD) that sets out 34 mandatory risk indicators that every estate must now assess and evidence in their Business Risk Assessment (BRA) and Policies, Controls and Procedures (PCPs).

For all agents, this shift means their existing AML processes and working procedures must be updated or they are no longer compliant. This exclusive Coadjute session will break down what’s changed, what it means for your agency, and how to get compliant quickly without increasing your admin burden.

5 key learnings you will take away

• A framework for understanding your AML obligations - The Regulatory Landscape, Business Governance, Day to Day AML workflow
• The 9 September HMRC update explained - why 34 new checks have changed AML forever
• How to assess your current AML process and identify compliance gaps.
• Options for delivering AML – Inhouse DIY, Hybrid, Outsourced
• Top questions to ask your current supplier.

Who should Attend

• Estate agency owners and directors
• MLROs, compliance officers, and branch managers
• Agents wanting to turn compliance from a risk into a competitive advantage

Join John Reynolds, COO at Coadjute and author of the bestselling Digital Bricks and Mortar, as he explains how the Coadjute Assured Compliance Framework helps agents turn regulatory complexity into business opportunity, keeping your agency fully compliant, audit-ready, and revenue-generating.

Speaker

John Reynolds

Co-Founder and Chief Operating Officer., Coadjute

John has over 25 years’ experience in digital transformation. During the past decade, he has ideated, designed and led the property industry's most innovative projects, including HM Land Registry’s Digital Street, Mastercard’s Multi-Token Network, and the Bank of England’s Project Meridian. He is the acclaimed author of ‘Digital Bricks and Mortar’.