Money Service Businesses (MSBs)
AML compliance that keeps you moving.

Remittances • Exchanges • Transfers

MSBs are heavily regulated under HMRC AML supervision. LEM Verify helps small and mid-sized MSBs stay compliant: ID + selfie checks, optional enhanced due diligence, ongoing monitoring, and audit-ready records. No apps, no downloads — simple click-and-go compliance.

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HMRC supervised Click-and-go AML ready

For SME MSBs

Whether you're running a remittance shop or a small currency exchange chain, LEM Verify makes compliance affordable, reliable, and regulator-ready.

What LEM Verify does for MSBs

We help you complete CDD and EDD in minutes, without slowing customers. From ID + selfie checks to blacklist fraud prevention, you get a clear pass/flag decision and audit-ready report. Optional monitoring keeps you compliant over long customer relationships.

No coding or apps

Customers complete verification via a secure browser link. No downloads, fewer delays at counters or online.

How this maps to HMRC AML obligations

Customer Due Diligence

Verify customers before remittances or exchanges with ID, selfie, and FaceMatch.

Enhanced checks

Apply EDD for high-value transfers or higher-risk jurisdictions.

Ongoing monitoring

Screen customers against PEPs, Sanctions & Adverse Media lists regularly.

Record keeping

Export audit packs and store for 5 years, meeting HMRC requirements.

Suspicious activity

Clear alerts guide staff on when a SAR may be required.

Customer trust

Branded flows show professionalism and reduce drop-offs in busy shops.

A simple MSB workflow

1) Send link

Send a secure click-and-go link to a customer before transaction processing.

2) Customer verifies

They scan ID + selfie. We validate, prove liveness, and confirm FaceMatch.

3) Review decision

You see a pass/flag outcome with rationale. Flags help guide SAR decisions.

4) File evidence

Export reports for HMRC audit or your internal compliance records.

Ongoing monitoring (AML requirement)

For long-term MSB customers, ongoing monitoring is mandatory. We rescreen customers daily or weekly against sanctions, PEPs, and adverse media. Alerts include rationale and cited sources.

Practice friendly

Lightweight and affordable — built for MSBs without large compliance teams.

Records & reporting — the result

Every check produces an audit-ready report. Timestamped, consistent, exportable — perfect for HMRC inspections and SAR evidence.

Governance built in

Configure branding, thresholds, and flows centrally for consistency across branches or agents.

Frequently Asked Questions

Do customers need an app?

No. Verification works in-browser — mobile-friendly, instant, easy to use in a branch or remotely.

Can we meet HMRC requirements?

Yes. LEM Verify supports CDD, EDD, Monitoring, and reporting in line with AML regulations.

Can we integrate with our system?

Yes. Use API/webhooks to embed checks into your MSB software or POS systems.

What if a customer is flagged?

You get clear alerts with rationale. You decide whether to escalate, decline, or file a SAR.

Is this legal advice?

No. This page is educational. Your MSB remains responsible for AML compliance decisions.

AML compliance for MSBs, made simple.

Click-and-go links, clear results, and audit-ready records for money service businesses of any size.

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Money Service Businesses (MSBs)AML compliance that keeps you moving.