Real Estate Financial Crime Investigation

Program Overview

An advanced program that integrates real estate fraud investigation with Anti-Money Laundering (AML) practices in the real estate sector—one of the most significant channels used globally and domestically to conceal and launder illicit funds. The program equips participants with practical methodologies for financial investigations, beneficial ownership identification, transaction tracing, and regulatory coordination in accordance with Saudi and international AML standards.

Duration: 4 Days
Training Hours: 24 Training Hours
Target Audience: Financial investigators, compliance officers in banks and mortgage finance companies, professionals working in regulatory authorities, and financial audit and financing specialists.
Delivery Mode: In-person

Detailed Learning Objectives

By the end of the program, participants will be able to:

• Understand how the real estate sector is exploited for money laundering and identify the most common typologies used both in Saudi Arabia and internationally.
• Apply Enhanced Due Diligence (EDD) procedures to high-risk real estate transactions in accordance with the Saudi Central Bank (SAMA) regulatory requirements.
• Trace financial flows associated with real estate transactions and identify the Ultimate Beneficial Owner (UBO).
• Prepare Suspicious Transaction Reports (STRs) related to real estate transactions and submit them in accordance with applicable regulatory procedures.
• Coordinate effectively with the Ministry of Justice, the Real Estate General Authority, mortgage finance institutions, and other relevant authorities to facilitate information sharing and financial investigations.

Key Topics

• Common Real Estate Money Laundering Typologies: Multiple-property acquisitions, sham transactions, price inflation, fictitious mortgages, and other concealment techniques.
• Ultimate Beneficial Ownership (UBO): Identifying beneficial owners in transactions involving shell companies, nominees, and intermediaries.
• Real Estate Transaction Analysis: Reviewing sale contracts, title records, and registration documents to identify indicators of fraud, manipulation, and forgery.
• Financial Investigation of Real Estate Financing: Tracing the source of funds, investigating complex financing structures, and identifying suspicious funding patterns.
• Legal and Regulatory Framework: The roles of the Ministry of Justice, the Real Estate General Authority, and cooperation mechanisms with law enforcement and regulatory authorities in financial crime investigations.