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Partial Name Match Report (PNMR) is a compliance tool the UAE uses in the Anti-Money Laundering (AML) framework to make potential matches between client names and those on international sanctions or watchlists. At Vigor Accounting & Taxation, we help companies realize and report partial name matches to meet UAE AML laws and avert the facilitation of financial crimes such as money laundering or terrorism finance.
A Partial Name Match Report (PNMR) is a report generated when an individual or client’s name is considered similar to one that appears on a sanctions list, politically exposed person (PEP) list, or any other financial watchlists. In the case of the UAE, businesses are legally permitted to report these matches to the Financial Intelligence Unit (FIU) through the goAML platform thereby ensuring transparency and averting any involvement with persons or entities implicated in financial crimes.
The fact that the name given partially matches is not a confirmation of a person's or entity's involvement in illegal activities, but it necessitates further inquiries into the issue at hand to establish whether indeed the focus of the name match is an individual or a business entity. A violation of such matches' reporting can lead to penalties or sanctions for the reporting organization.
Filing a PNMR is crucial for several reasons, particularly in ensuring compliance with AML regulations and preventing the misuse of the UAE’s financial systems for criminal activities.
Businesses in the UAE have a legal obligation to file a report of any dubious behavior, such as partial name matches, in accordance with the Federal Decree Law No. 20 of 2018. Such a move ensures the strict adherence to the AML laws of companies and allows businesses to escape legal consequences or penalties for not reporting.
PNMRs carry a lot of significance in the detection as well as when it comes to thwarting the efforts of individuals or any organizations to exploit honest businesses to launder money or finance terrorism. The businesses can array and probe into some suspicious similar name clues that they are more likely to be inadvertently entangled in crime with.
Businesses filing PNMRs can lessen the risk of being associated with people or companies who may harm their reputation or create legal problems. The act of submitting a report shows that a company is dedicated to transparency and upholding ethical business practices, which enhances its credibility in the marketplace. This is the case with a business that submitted a report.
There are several situations where a business may need to file a Partial Name Match Report (PNMR)
At Vigor Accounting & Taxation, we assist businesses in filing PNMRs quickly and accurately. Here’s how the process works:
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If the investigation suggests a genuine risk, a PNMR must be submitted to the FIU through the goAML platform. The report includes all the particulars about the match, the client, and the transaction or transactions which are material to the engagement. Our team assures the report is of good quality and the UAE laws are also put into the account.
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Once a match has been established, it is essential to compile supplementary information to authenticate the individual the client and ascertain if they are the target of the match. This could be done by looking for additional documentation or conducting a detailed background investigation.
Many businesses face challenges in managing and filing PNMRs
At Vigor Accounting & Taxation, we offer a range of services to assist businesses in managing their AML compliance obligations, including the filing of PNMRs. Our services include
Don’t wait—schedule your free consultation today and take the first step towards transforming your vision into reality!