Introducing Kotini’s Integrated AML Risk Assessment
If you’re a Money Laundering Reporting Officer at an estate agency, you’ll know the drill. A transaction moves forward, and somewhere in the process you’re expected to weigh up the AML risk – client risk, transaction risk, source of funds, all of it – and reach a judgement on whether to proceed, pause, or stop.
The problem is where that judgement actually happens. For most agencies, it’s in a separate platform, a spreadsheet, or on paper. For others, it doesn’t happen with any real rigour at all. And for a growing number, it’s been handed entirely to a third party – which solves the compliance gap, but introduces a new one: giving up control and waiting for someone outside your business to tell you whether your own transaction can move forward.
From July 2026, Kotini closes that gap. The Integrated AML Risk Assessment is now built directly into the platform.
What’s changed
Instead of opening another tool, your MLRO can now capture every HMRC risk factor – across both client and transactional risk – as a transaction progresses, directly inside Kotini. Once the picture is complete, they submit a final risk rating and a clear decision: proceed, pause, or stop.
Everything is captured as structured data and as an auditable PDF report, and that report can be pushed straight through to your CRM – including Alto, Apex27, Loop, Reapit, Rex, and more.
How it works
- You invite your clients to Kotini as usual – Kotini will draft an AML risk report automatically.
- Kotini gathers ID & AML checks as standard – all other agent judgements and HMRC risk factors are captured in a consistent format.
- The MLRO assesses the transaction with low-risk noise removed – making it easy to decide whether to proceed with the transaction, pause to investigate risks or even stop.
- The AML Risk Assessment is captured in a standardised report that also pushes to integrated CRMs.
Why this matters now
Property transactions rarely arrive in one neat package. Clients get added at different points, information comes in gradually, and a single point-in-time assessment has always struggled to keep up with that reality. AML regulation has moved too – including changes as recent as June 2026 – and Kotini’s risk assessment is built to reflect where that guidance currently stands.
The result is an assessment that can flex with a transaction as it develops, rather than trying to capture everything in one sitting and hoping nothing changes afterwards.
What it means day to day
For MLROs and compliance teams, the practical difference is speed and visibility. There’s no more waiting on a slow, opaque process running somewhere else – the assessment, the evidence behind it, and the final decision all live in one auditable place, in the same format every time, and flow straight into whichever major CRM your agency already runs on.
It’s the kind of consolidation agents are already telling us makes a difference. As Liam Hack at Belvoir, Wolverhampton, put it about moving his AML process into Kotini:
“Massive difference to what we were using before. Previously, it was very slow when it comes to sending signable documents, AML on one system and sending other links. The speed, I’d say, is genuinely at least 30 minutes a file. I can even do it whilst I’m on the phone and they receive the link instantly.”
That consistency matters as much as the speed. Whether it’s ten transactions a month or two hundred, every one goes through the same structured process, with the same trail of evidence behind the same kind of decision. When HMRC comes asking, you’re not reconstructing what happened – you already have it.
Where this sits alongside your existing setup
To be clear about where this fits: outsourced AML providers exist because this work is genuinely hard to do well, and plenty of agencies rely on them for good reason. What Kotini’s integrated assessment offers is an in-house alternative for agencies that want control and that same rigour, run inside the platform they’re already using for onboarding and compliance day-to-day.
Get started
The Integrated AML Risk Assessment is live now for Kotini customers. If you’re currently managing this in a separate spreadsheet, platform, or through a third party, it’s worth seeing how it fits into your existing workflow.
