RMCP Service

Your RMCP, prepared from scratch for your estate agency.

Our compliance team creates a complete, custom Risk Management and Compliance Programme for your agency — based on your business activities, your clients, your risk profile and your operations — aligned to the FIC Act, FIC Guidance Note 7B (August 2026) and FIC Directives 10, 11 and 12 of 2026.

Up to date for 2026. Our 2026 edition covers everything the FIC has issued this year:

• Directive 12 — the annual submission of your RMCP to the FIC on goAML by 31 October, within 10 days of any amendment, and within 90 days of starting a new agency. Your document is written to be submitted as-is.

• Directive 11 — the risk and compliance return, with a step-by-step procedure and the registers you need to complete future returns.

• Directive 10 — head office, branch and subsidiary particulars on your goAML registration.

• Guidance Note 7B — proliferation financing throughout, pre-launch risk assessment of new services and technologies, and the new limits on simplified due diligence.

• FATF high-risk jurisdictions, cash deposited directly into your bank or trust account, and the full PEP / PIP framework.

Includes:

Custom RMCP document — a personalised Word document covering all 20 sections of a compliant RMCP, from your institutional risk assessment and governance framework through CDD, EDD, sanctions screening, reporting obligations, record keeping, training, employee screening, RMCP review and FIC submission, and board approval. Checkboxes are clickable and every link opens straight from Word.

Step-by-step implementation guide — a plain-language quick reference for principals and staff: what to do when onboarding a client, how to handle suspicious transactions, when to report, what to submit to the FIC and when, and how to keep your records inspection-ready. No compliance jargon — just clear, practical steps your team can follow from day one.

22 accompanying documents (Annexures A–V) — ready-to-use registers, checklists, client questionnaires and forms:

• A Risk matrix and scoring

• B CDD checklist – natural persons

• C CDD checklist – legal entities (companies / CCs)

• D EDD checklist

• E Red flags and suspicious transaction indicators

• F Internal suspicious activity report form

• G Training register

• H Annual RMCP review checklist

• I EDD decision register

• J Sanctions screening register

• K Regulatory reporting log (STR / CTR / TPR, RMCP submissions and risk and compliance returns)

• L How to use this RMCP (quick reference guide)

• M Client information questionnaire – natural persons

• N Client information questionnaire – companies and close corporations

• O Client information questionnaire – trusts

• P Client information questionnaire – partnerships

• Q Employee screening record (Directive 8)

• R Employee declaration

• S Compliance incident register

• T Board resolution – RMCP approval and Compliance Officer appointment

• U New product, service and technology risk assessment (Guidance Note 7B)

• V High-risk jurisdiction register (FATF lists)

Every document is completed with your company details, compliance officer information and risk profile — ready for board approval, immediate use and submission to the FIC.

Delivered as a single download within 7 business days.

Disclaimer: We prepare your RMCP from the information you give us. It is compliance guidance, not legal advice. Your agency approves it and stays responsible for applying it, and to the extent the law allows, our liability is limited to the fee paid.