Anti-Money Laundering (AML) & Counter-Terrorist Financing (CTF)

Hilaac Global Express is committed to maintaining the highest standards in the prevention of money laundering and terrorist financing activities. We take a proactive and risk-based approach to protect our services, customers, employees, and partners from being misused for illegal or unethical purposes.

Our AML and CTF framework is designed to ensure that all transactions conducted through our systems are lawful, transparent, and aligned with international best practices.

Policy Commitment

Hilaac Global Express operates under a strict compliance framework and is committed to:

• Complying with all applicable international, regional, and local regulatory requirements

• Prohibiting the use of our services by individuals or entities involved in financial crime

• Maintaining strong internal policies and controls approved by senior management

• Ensuring accountability through designated compliance and reporting functions

Governance & Control Framework

To effectively manage and reduce ML/TF risks, we have established a comprehensive governance structure that includes:

• Defined organizational roles and responsibilities for AML/CTF compliance

• Documented internal policies and procedures to identify, assess, and mitigate risk

• Oversight by a designated compliance function responsible for monitoring adherence

• Ongoing internal reviews to ensure continuous effectiveness of controls

Regulatory Standards & Best Practices

Our AML framework aligns with internationally recognized standards, including:

• Financial Action Task Force (FATF) recommendations

• Global banking and financial compliance guidelines

• Applicable supervisory and regulatory authority requirements

These standards guide our operations across all service channels and regions.

Risk-Based Customer Due Diligence

We apply a risk-based approach to customer onboarding and transaction monitoring, which includes:

• Know Your Customer (KYC) verification procedures

• Customer Due Diligence (CDD) measures appropriate to the risk level

• Enhanced Due Diligence (EDD) for higher-risk customers, transactions, or jurisdictions

• Continuous monitoring to identify unusual or suspicious activity

Training & Awareness

All staff and agents receive regular training to ensure they understand:

• AML and CTF legal obligations

• Internal compliance policies and procedures

• Risk indicators and reporting responsibilities

• Practical methods for identifying and preventing financial crime

Training programs are updated regularly to reflect regulatory changes and emerging risks.

Review, Accountability & Enforcement

Compliance with AML and CTF policies is mandatory for all employees and agents. Our framework is subject to periodic review to ensure alignment with evolving regulations and international best practices. Any breaches of policy are addressed promptly and appropriately.

Through strong governance, continuous monitoring, and a culture of responsibility, Hilaac Global Express remains committed to protecting the integrity of the financial system and maintaining customer trust.