AML Risk Assessment Software for Accountants
Complete the client risk assessment as part of onboarding and keep the record where it belongs — on the client profile.
AML risk assessment in Remindoo is a client due diligence questionnaire built into onboarding for accountancy and bookkeeping firms. You answer a set of Yes/No risk questions, Remindoo classifies the client's AML risk level, and the assessment stays on the client profile as part of your records.
Last updated: 16 September 2026 · Reviewed by Waqas Sagar ACA FCCA, Founder of Remindoo and Managing Director of Accotax
Key facts
- The questionnaire is built into the onboarding flow
- Questions cover matters such as history of errors in tax returns, lack of proof of address, overseas clients, cash-based businesses, complex group structures and unverified ID
- Answers are recorded as a simple Yes or No
- Remindoo classifies the client's AML risk level from the answers
- The assessment is kept on the client profile and can be reviewed at any time
- An AML Risk Level column can be shown on the Clients list
The problem
Assessments that go missing
The risk assessment was done on paper or in a Word template. Two years on, nobody can find the file when it is asked for.
Everyone scores differently
One manager treats an overseas client as high risk and another does not, so the firm's approach depends on who did the work.
No view across the practice
There is no way to answer a simple question: which of our clients are high risk, and have they all been verified?
How Remindoo fixes it
| Problem | In Remindoo | Outcome |
|---|---|---|
| Records held in loose documents | The assessment is completed in onboarding and stored on the client profile | The due diligence record sits with the client, not in a folder somebody has to find |
| Inconsistent judgement between staff | The same questionnaire and the same Yes/No answers for every client | Risk is assessed the same way whoever takes the client on |
| No practice-wide picture | An AML quick overview, plus an AML Risk Level column on the Clients list | See risk and verification status across the whole client base |
Who it's for
Practice owners
See the state of the client base without asking three people.
Practice managers
Run onboarding, AML and deadlines the same way every time.
Team leads
Know who owns each client and each service before the deadline.
Bookkeepers
Find the client, the contact and the records in one place.
How it works in Remindoo
Answer the AML risk assessment questions during onboarding.
Record each answer with a simple Yes or No.
Remindoo classifies the client's AML risk level from the answers.
Review the risk assessment on the client profile at any time.
The AML quick overview shows the client's risk and verification status.
Show the AML Risk Level column on the Clients list to see risk across the practice.
Why it matters for UK accountancy practices
The Money Laundering, Terrorist Financing and Transfer of Funds (Information on the Payer) Regulations 2017 require a risk-based approach to client due diligence. In practice that means assessing the risk each client presents, doing proportionate due diligence and keeping records of what you did.
Accountancy firms are supervised for AML either by HMRC or by a professional body such as ICAEW, ACCA or AAT. When a supervisor reviews a file, the question is rarely whether the firm thought about risk; it is whether the assessment was recorded and can be produced.
Remindoo helps a practice run and retain client-level risk assessments consistently. It supports your procedures rather than replacing them: the firm's own judgement, its firm-wide risk assessment and its MLRO's decisions remain the firm's responsibility.
Remindoo vs spreadsheets, email and paper files
| What you need | Spreadsheets, email and paper | Remindoo |
|---|---|---|
| Where client data lives | Split between spreadsheets, inboxes, drives and paper files | One client profile with details, contacts, services and history |
| Onboarding | Company details retyped by hand from Companies House | Company details and officers imported from Companies House |
| AML records | Word templates and scanned documents saved wherever there was room | Risk assessment and verification records held on the client profile |
| Deadlines | A date column somebody has to remember to update | Services with key dates, subtasks and preset reminders |
| Finding a client | Scrolling, or a spreadsheet with too many columns to read | Global search, sortable columns and saved multi-condition filters |
| Sharing documents | Unsecured email attachments with no way to withdraw access | Portal users you invite, resend to and unlink in one click |
Frequently asked questions
Do accountants have to do an AML risk assessment on every client?
UK accountancy firms in the regulated sector must take a risk-based approach to client due diligence under the Money Laundering Regulations 2017, which means assessing the risk each client presents. How you apply that is a matter for your firm's own procedures and your supervisor's guidance.
What questions are in a client AML risk assessment?
In Remindoo the questionnaire covers matters such as a history of errors in tax returns, a lack of proof of address, overseas clients, cash-based businesses, complex group structures and unverified identity. Each is answered with a simple Yes or No during onboarding.
How does Remindoo decide the risk level?
Remindoo classifies the client's AML risk level from the answers you give to the questionnaire. The classification is there to support your assessment consistently across the practice; the professional judgement about the client remains your firm's.
Where is the risk assessment stored?
On the client profile, in the Risk Assessment & AML section. It can be reviewed at any time after onboarding, so the record stays with the client rather than in a separate document that has to be located when it is needed.
Can I see all high-risk clients at once?
Yes. An AML quick overview shows a client's risk and verification status, and you can switch on the AML Risk Level column on the Clients list to see risk across the practice. Combined with filters, that gives you a working view of where attention is needed.
Does this replace my firm-wide risk assessment?
No. Remindoo supports client-level risk assessment. Your firm-wide risk assessment, policies, controls and procedures remain your own responsibility, as does the professional judgement applied to each client and any reporting decisions your MLRO makes.
Related features
Digital ID verification and AML checks for accountants
Client onboarding software for accountants
Task management software for UK accountants
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