The UAE Central Bank has revoked the licence of Malik Exchange, an Abu Dhabi-based remittance company, for failing to comply with the law on anti-money laundering and counter-terrorism financing, as it continues its fight against illegal financial activity.

The regulator also struck the company’s name off the register and imposed a financial sanction of Dh2 million ($544,588), it said on Wednesday.

The sanctions were imposed after investigations revealed the exchange house failed to comply with AML/CFT policies and procedures, the Central Bank said.

The regulator, through its supervisory and regulatory mandates, works “to ensure that all exchange houses, their owners, and staff abide by the UAE laws, regulations and standards … to maintain transparency and integrity of financial transactions and safeguard the UAE financial system”, it added.

Malik Exchange, which was established in 1996, provides remittances, payroll, payment and foreign currency exchange services.

The latest action comes as the UAE regulator cracks down heavily on regulatory non-compliance. It has imposed financial sanctions on at least four exchange houses in the Emirates since May.

It levied a fine of Dh4.1 million on three exchange houses in July for failing to comply with the AML/CFT law.

In June, the Central Bank imposed a Dh100 million fine on an exchange house and issued a separate fine of Dh3.5 million on another money exchange company for “significant failures” in their AML/CFT framework.

In May, an exchange house was fined Dh200 million by the Central Bank for breaching anti-money laundering regulations.

Overall, the UAE imposed fines of more than Dh42 million on private sector entities during the first half of 2025 for not complying with anti-money laundering regulations, state news agency Wam quoted the Ministry of Economy of Tourism as saying last month.

A total of 1,063 breaches were discovered in the six months to the end of June across four categories, it said.

Last year, the government amended its laws on anti-money laundering, and the financing of terrorism and illegal organisations to ensure better regulatory oversight.

The EU last month voted to remove the UAE from its list of countries that pose a high risk for money laundering and terrorist financing.

Types of bank fraud

1) Phishing

Fraudsters send an unsolicited email that appears to be from a financial institution or online retailer. The hoax email requests that you provide sensitive information, often by clicking on to a link leading to a fake website.

2) Smishing

The SMS equivalent of phishing. Fraudsters falsify the telephone number through “text spoofing,” so that it appears to be a genuine text from the bank.

3) Vishing

The telephone equivalent of phishing and smishing. Fraudsters may pose as bank staff, police or government officials. They may persuade the consumer to transfer money or divulge personal information.

4) SIM swap

Fraudsters duplicate the SIM of your mobile number without your knowledge or authorisation, allowing them to conduct financial transactions with your bank.

5) Identity theft

Someone illegally obtains your confidential information, through various ways, such as theft of your wallet, bank and utility bill statements, computer intrusion and social networks.

6) Prize scams

Fraudsters claiming to be authorised representatives from well-known organisations (such as Etisalat, du, Dubai Shopping Festival, Expo2020, Lulu Hypermarket etc) contact victims to tell them they have won a cash prize and request them to share confidential banking details to transfer the prize money.

Stormy seas

Weather warnings show that Storm Eunice is soon to make landfall. The videographer and I are scrambling to return to the other side of the Channel before it does. As we race to the port of Calais, I see miles of wire fencing topped with barbed wire all around it, a silent ‘Keep Out’ sign for those who, unlike us, aren’t lucky enough to have the right to move freely and safely across borders.

We set sail on a giant ferry whose length dwarfs the dinghies migrants use by nearly a 100 times. Despite the windy rain lashing at the portholes, we arrive safely in Dover; grateful but acutely aware of the miserable conditions the people we’ve left behind are in and of the privilege of choice. 

England World Cup squad

Eoin Morgan (capt), Moeen Ali, Jofra Archer, Jonny Bairstow, Jos Buttler (wkt), Tom Curran, Liam Dawson, Liam Plunkett, Adil Rashid, Joe Root, Jason Roy, Ben Stokes, James Vince, Chris Woakes, Mark Wood

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Power: 727hp

Torque: 1,000Nm

Transmission: 8-speed auto

Fuel consumption: 10.6L/100km

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Price: From Dh650,000

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Pakistan Super League

Previous winners

2016 Islamabad United

2017 Peshawar Zalmi

2018 Islamabad United

2019 Quetta Gladiators

 

Most runs Kamran Akmal – 1,286

Most wickets Wahab Riaz –65

UAE currency: the story behind the money in your pockets