AML Training for Estate Agents
Property is the oldest laundering route there is, and an estate agency stands at the point where the money and the asset meet. Property services providers are designated persons in their own right, not an afterthought to the solicitor’s file, and are expected to have done their own due diligence.
Built for property services providers
The course is written around a transaction, from instruction through to closing, and shows where the obligation bites at each stage.
What the training covers
- Why a PSRA-licensed provider is a designated person under the Criminal Justice Acts, and what that obliges the agency to do
- Due diligence on both sides of a transaction, and why the point of instruction is the right moment for it
- Beneficial ownership where a company, trust or overseas structure is buying, and getting behind the name on the contract through the RBO
- Cash, part-cash and third-party funding: the questions to ask, and the point at which a deal should stop
- Filing an STR through FIU Ireland’s goAML portal and to Revenue, without tipping off a client you are still acting for
Who it's for: Agency principals, sales and lettings negotiators, property management staff and administrators.
What makes it agent-specific
PSRA obligations
How AML duties sit alongside the licensing and conduct obligations the Property Services Regulatory Authority already enforces.
Both sides of the deal
Vendor and purchaser due diligence, including the timing question agencies most often get wrong.
Lettings as well as sales
High-value lettings and the risks that come with corporate tenants and prepaid rent.
Working with the solicitor
Where the agency’s obligation ends and the conveyancer’s begins, and why neither can rely on the other.
The property risk picture
Where laundering typically enters an Irish property transaction.
Cash and part-cash purchases
Purchases funded outside the mortgage market, where nobody else in the chain has tested the source of the money.
Corporate and trust buyers
Structures that obscure who ultimately benefits, particularly where the entity was formed shortly before the purchase.
Rushed completions
Urgency with no commercial explanation, and properties resold in quick succession at values the market does not support.
Third-party funders
Deposits and balances arriving from people with no stated connection to the purchaser.
The recommended pathway
Five 30-minute courses that together cover what a supervisor expects of this sector. Enrolled from one dashboard, evidenced from one audit export.
Each course ends in a randomised exam rather than a recap slide, and issues a timestamped certificate stating the outline covered. The Harrington Hub tracks completion, chases the stragglers automatically and exports the whole record when you need it.
Yes. Property services providers licensed by the PSRA are designated persons under the Criminal Justice (Money Laundering and Terrorist Financing) Acts 2010–2021. The agency must instruct staff on the law and on recognising suspicious transactions, and keep records showing that it did.
The Anti Money Laundering Compliance Unit of the Department of Justice supervises property services providers, working alongside the PSRA’s licensing regime. Training records are a standard request during supervisory engagement.
Before the transaction is concluded, and in practice as early as the agency can reasonably do it, well before closing, when walking away is far harder. The course covers the trigger points on a normal sale and what to do when a bidder will not engage.
Yes. High-value lettings, corporate tenants and prepaid rent are covered alongside the sales process, because the same agency staff usually handle both.
Get your agency audit-ready.
We will show the property scenarios, the randomised exam and the certificate, with your own team on the dashboard.