Know Who's Really Behind Every Transaction
Real estate has long been a primary vehicle for money laundering. FinCEN's federal AML program rule for residential real estate is expanding who must comply and what compliance looks like. Sentinel™ provides the KYC infrastructure real estate professionals need.
Real Estate Is a Classic Money Laundering Vehicle
All-cash purchases by anonymous shell companies, straw buyers, and foreign PEPs using domestic entities to park illicit proceeds. Real estate is structurally attractive to money launderers because assets are large, transactions are infrequent, and the sector has historically lacked AML requirements.
Sentinel™ provides the real estate sector with rapid KYC verification for all transaction parties, sanctions and PEP screening, beneficial ownership checks for corporate buyers, and an audit trail that satisfies FinCEN expectations.
Good Tip from Oscar
"When an LLC with a Delaware address, no website, and a beneficial owner in a high-risk jurisdiction offers all-cash, that's not a savvy investor. That's a red flag in a trench coat. FinCEN's GTO exists because this happens constantly. Screen the buyer."
Key AML/KYC Regulations Sentinel™ Helps You Meet
FinCEN Real Estate Rule
FinCEN's federal AML program rule for residential real estate (effective late 2024) requires reporting of non-financed transfers by residential real estate professionals.
FinCEN Geographic Targeting Orders
GTOs require title insurance companies in designated metro areas to identify the beneficial owners of LLCs purchasing residential real estate in cash.
BSA / OFAC Sanctions
Sanctions screening for all parties to a transaction is required to ensure no OFAC-designated individual or entity is involved in the transfer of real property.
EU AMLA & 6AMLD
Real estate agents and professionals in the EU are obligated entities under the AML Directives. AMLA's 2025 launch expands supervisory scrutiny across member state real estate markets.
HMRC / MLRs 2017
UK estate agents must register with HMRC for AML supervision, conduct CDD, and report suspicious activity to the NCA.
FINTRAC / PCMLTFA
Real estate developers, brokers, agents, and title companies in Canada are designated reporting entities required to verify buyer and seller identities.
AUSTRAC Tranche 2
AUSTRAC's 2024 AML/CTF Amendment Act extends AML obligations to real estate agents. Deadline: July 1, 2026. Programs, CDD, and AUSTRAC registration required.
UAE / FATF Real Estate Focus
The UAE prioritizes real estate transaction oversight with enhanced due diligence for property purchases. FATF's 2025 guidance highlights real estate as a top ML risk globally.
Everything Your AML/KYC Compliance Team Needs
Lowest False Positive Rate
Secondary matching criteria date of birth, citizenship, address eliminate erroneous alerts before they reach your team. Your analysts focus on real risk.
Continuous Customer Monitoring
Your full customer portfolio is automatically re-screened when watchlists update. No manual batch jobs. No compliance gaps between periodic reviews.
Un-editable Audit Logs
Every decision, every alert, every override is timestamped and logged in an immutable audit trail. Fully exportable for examiner review at any time.
Real-Time API & Batch Processing
Integrate at onboarding via Real-Time API, or run batch screening across your full portfolio. Same-day go-live less than one business day to integrate.
Global Watchlist Coverage
OFAC SDN, UN, EU, HMT, DFAT, and 50+ additional global sanctions lists all updated daily. PEP screening and adverse media in 5 languages.
Tier 1 & 2 Support
From user training to technical consultation. Dedicated support for large operations. Human support from compliance professionals not a help desk queue.
Shell Companies Don't
Come With a For Sale Sign.
FinCEN's federal real estate AML rule is live. AUSTRAC Tranche 2 kicks in July 2026. The window to get your program in order is narrowing on two continents simultaneously. Sentinel™ has you covered on both. Read the AUSTRAC 2026 update →
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The information on this website is provided for general informational purposes only and does not constitute legal, regulatory, or compliance advice. Truth Technologies, Inc. makes no representations or warranties regarding the accuracy, completeness, or currency of the regulatory information presented. AML/KYC obligations vary by jurisdiction, institution type, and individual circumstances. Organizations should consult qualified legal counsel or a licensed compliance professional before making compliance decisions. Sentinel Compliance Platform™ is a product of Truth Technologies, Inc.