Accountancy AML Checklist: 2026 FCA & CCAB Compliance
Navigate your next AML Monitoring Visit with total confidence using our rigorous, 2026-aligned compliance framework based on an audit checklist
Accountancy AML Audit Checklist
Are you ready for the transition to FCA oversight? Don’t wait for an audit to find out.
Our expert-led AML accountant checklist covers every 2026 requirement, from Whole-Firm Risk Assessments to TCSP service standards. Minimize your risk of fines and license restrictions.
Accountancy AML Audit: Stop guessing. Start preparing.
Book a Free 20-Minute AML Consultation with an auditor. We’ll run your firm through the Lexsure Dynamic AML Audit Checklist to identify your exposure and give you an immediate action plan.
- Expert Insight: Direct experience with ICAEW, ACCA, and new FCA transition standards.
- Zero Cost: High-impact, no-obligation AML Audit gap analysis.
- Immediate Results: Recommendations delivered during the call.
Only 4 slots available this week. Due to high demand this service is only available to High Street Firms, Sole Practitioners and Boutique Specialist Firms.
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Accountancy AML Audit Checklist: Frequently Asked Questions
Discover answers to your AML compliance questions with our expert consulting services.
- How can our Manchester based general practice accurately determine if our existing internal AML Audit Checklist meets the updated 2026 CCAB requirements?
- What are the specific professional consequences for a Money Laundering Reporting Officer (MLRO) if an ICAEW or ACCA monitoring visit reveals their AML Audit Checklist was outdated?
- In what way does the Lexsure dynamic AML Audit Checklist differentiate between high-risk Trust and Company Service Provider (TCSP) work and lower-risk tax compliance areas?
- Should a boutique specialist firm prioritise an internal manual AML review or a digital AML Audit Checklist adopted by an independent AML auditor when preparing for a short-notice Practice Assurance review?
- How does an independent AML auditor use a checklist to identify hidden gaps in a firm’s Whole-Firm Risk Assessment (WFRA) and CDD workflows?
- Do you provide specific checklists, or can I book a general AML consultation to prepare?
- Can utilising an expert service as a formal Regulation 21 independent AML audit be used as a mitigating factor if a regulator initiates a disciplinary investigation into our PCPs?
- What are the primary indicators within an AML Audit Checklist that suggest a firm’s Whole-Firm Risk Assessment is no longer fit for the 2026 regulatory climate?
- How does the 20-minute expert AML consultation utilise the Lexsure AML Audit Checklist to provide immediate, actionable feedback for a busy practice MLRO?
- What specific evidence must be attached to our AML Audit Checklist to satisfy a supervisor that "ongoing monitoring" is actually occurring on long-term payroll or audit clients?
- Would an AML Audit Checklist change depending on whether we are facing an HMRC desk-based assessment or a physical onsite monitoring visit from our professional body?
- In what specific ways must our AML Policy be updated within the AML Checklist to account for the 2026 changes in proliferation financing and the new Companies House ID verification rules?
- Do regulators like the ICAEW or ACCA publish their own official AML Audit Checklist, or are we expected to build our own framework?
- Why would you not simply provide a free ‘one-size-fits-all’ accountancy-focused AML Audit Checklist rather than requiring a 1-to-1 consultation?
- Do you provide a formal summary of the AML Audit Checklist findings after the initial 20-minute consultation?
- If your consultation identifies exposures in key documents like our WFRA or internal PCPs, can your auditors help us draft the necessary remediation documents?
- How does the Lexsure AML Audit Checklist bridge the gap between a high-level AML Policy and the granular, day-to-day procedures required for staff on the ground?
- How relevant is our current professional body AML Audit Checklist given that the FCA is transitioning into the role of Single Professional Services Supervisor for accountants?
Why AMLChecklist.com does not provide a downloadable Accountancy AML Audit Checklist
Our decision to move away from a static, downloadable Accountancy AML Audit Checklist is driven by the significant regulatory shift occurring in 2026. With the FCA (Financial Conduct Authority) assuming its role as the Single Professional Services Supervisor (SPSS) in the next few years, the era of "check-box" compliance is over. To provide a truly defensible audit framework, we must first understand the specific DNA of your practice—whether you are a high-street generalist handling local payroll or a boutique firm specializing in complex Trust and Company Service Provider (TCSP) work.
An off-the-shelf template is often viewed by regulators as a major red flag. Bodies like the ICAEW, ACCA, and HMRC have explicitly warned that using generic, unedited Policies, Controls, and Procedures (PCPs) is evidence of a failure to apply a "risk-based approach." Your Accountancy AML Audit Checklist must be a live reflection of your firm’s unique risk appetite, jurisdictional exposure, and client types. A standard checklist for personal tax returns is fundamentally inadequate for a firm involved in international estate planning or corporate restructuring; only a conversation allows us to bridge that gap.
AML compliance is a constant evolution, not a static annual task. A fixed document becomes obsolete the moment the CCAB guidance is updated or the FCA issues a new thematic warning on Companies House ID Verification. By engaging in a 20-minute consultation, you ensure your practice is supported by Lexsure’s dynamic audit intelligence, which is updated in real-time to reflect 2026 standards. Our goal is to provide more than just a list of "rights and wrongs" — we provide the technical oversight and robust evidence trail required to protect your Practising Certificate and your reputation. While some MLROs may still seek a basic, downloadable list, our bespoke conversational approach is designed specifically for firms that prioritise long-term regulatory safety.
The 2026 "Double Jeopardy" for Accountants
Accountants are currently in a position where they must satisfy their current Professional Body (like ICAEW or ACCA) while simultaneously audit-proofing their files for the more prescriptive, data-heavy expectations of the incoming FCA AML regime.
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