Getting involved in a money laundering investigation, whether you’re an individual or a business owner, can feel overwhelming. You might not know what triggered the inquiry, what steps to take, or who to turn to for help. Dubai, where the financial laws are strict and enforcement is getting tougher, even a small mistake or a misunderstood transaction can lead to serious legal trouble.
Staying informed and making quick decisions are important. Knowing your rights, understanding the investigation process, and getting support from a top rated money laundering attorney in Dubai can change how your case unfolds. This guide is here to walk you through the essentials, what to expect, how to respond, and how to protect both yourself and your business at every step.
Understanding the Money Laundering Laws in the UAE
The Anti-Money Laundering Laws applicable in the UAE are as follows:
- Federal Decree-Law No. (20) of 2018 On Anti-Money Laundering and Combating the Financing of Terrorism and Financing of Illegal Organisations (as amended by Federal Decree Law No. (26) of 2021),
- Cabinet Decision No. (10) of 2019 Concerning the Implementing Regulation of Decree-Law No. (20) of 2018 On Anti-Money Laundering and Combating the Financing of Terrorism and Illegal Organisations (as amended by Cabinet Resolution No. (24) of 2022).
If you’re looking for a money laundering lawyer in Dubai, it’s critical to choose someone familiar with the nuances of these statutes to mount an effective legal defense.
Legal Rights of Individuals and Companies Under Investigation
Individuals and companies have certain legal rights in money laundering investigations. Some of them are as follows:
- Right to Legal Representation
Accused individuals and company representatives have the right to appoint a lawyer from the moment they are summoned, interrogated, or charged. If an accused person cannot afford legal counsel in serious criminal matters, such as money laundering, the court may appoint one at the state’s expense. Companies must be represented by an authorized officer or board-approved representative, along with legal counsel, during all stages of the investigation and prosecution.
- Right to be Informed of Charges
Individuals and company representatives must be informed of the nature of the allegations, reasons for arrest (if applicable), and any investigative actions taken against them. They are entitled to receive copies of official judicial documents such as arrest warrants, search orders, and asset-freeze notifications. Even if preventive actions like account freezes occur before formal charges, the accused must be notified soon after.
- Right Against Self Incrimination
Individuals and companies have the right against self-incrimination. Individuals are not legally required to admit guilt or provide evidence against themselves in a court of law. This right ensures that coerced confessions or statements obtained under duress or without legal oversight are inadmissible in court. Any questioning by police or prosecution must be conducted in the presence of legal counsel if requested.
- Right to Due Process & Fair Trial
All investigations, pre-trial detentions, and trials must adhere to established legal procedures and timeframes. Individuals and companies have the right to review evidence, question witnesses, present their witnesses, and submit expert reports (such as forensic audits). The trial must be conducted in an impartial and independent court, ensuring that procedural fairness is maintained at all times.
- Right to Challenge, Search & Seizure
An accused person is presumed innocent until proven guilty in a court of law. Investigations are conducted under confidentiality to protect the rights and reputations of those involved, especially during pre-trial stages. Leaks or defamation during ongoing investigations can be legally challenged under the UAE Cybercrime and Privacy Laws.
- Right to Appeal & Seek Judicial Review
Any verdict or prosecutorial decision can be appealed to a higher court, including:
- Appeal Court (for procedural or evidentiary review)
- Court of Cassation (on matters of law)
- Asset seizure and detention orders can also be challenged during the investigation phase.
If you’re navigating these rights, working with a legal money laundering lawyer can help you use the law to your full advantage and avoid any procedural traps.
How to Protect Yourself & Your Business ?
Being subject to a money laundering investigation in Dubai can be both complex and disruptive. However, whether you’re an individual or a business, there are clear, lawful steps you can take to protect your rights, reputation, and operations.
- Seek Legal Advice Without Delay: Engaging a qualified UAE-based criminal lawyer is essential the moment you are contacted by authorities. Legal counsel will ensure you respond appropriately to investigators and avoid self-incrimination.
- Keep Financial Records Recognized: Clean, verifiable documentation is one of the strongest defenses in any financial investigation. Individuals should maintain records of income sources, property purchases, and remittances. Businesses must ensure proper bookkeeping, documented transactions, audited statements, and compliance logs.
- Respond to Account Freeze Effectively: Authorities may freeze personal or corporate accounts during an investigation. In such cases, your legal representative can petition the Public Prosecution or relevant court for partial unfreezing, especially if funds are needed for salaries, rent, or operational expenses.
If you’re unsure how to proceed, lawyers for money laundering cases can not only represent you in court but also proactively manage the investigation process on your behalf, shielding your business reputation and ensuring proper procedure.
Trusted Legal Support That You Can Count On: Othman Advocates
If you or your business is facing a money laundering investigation in Dubai, the stakes are high and having the right legal partner can make all the difference. Othman Almarzooqi Advocates and Legal Consultations is a name trusted by clients in the UAE.
It was founded by Mr. Othman Almarzooqi, an Emirati legal expert with nearly two decades of experience. The firm brings unmatched insight into the complexities of UAE criminal law. Mr. Almarzooqi’s prior role as Head of the Narcotics Department gives the firm an edge in handling financial criminal allegations, including money laundering.
Othman Advocates serves not just individuals but also companies navigating high-stakes legal exposure. Our team is known for being a top rated money laundering attorney in Dubai
delivering clear guidance and steadfast advocacy across a wide range of legal areas.
Final Thoughts
Individuals and companies facing money laundering investigations in Dubai are protected by a strong legal framework that ensures fairness, transparency, and due process. Understanding and exercising these rights at every stage, from initial suspicion to court proceedings, is crucial.
If you’re facing legal scrutiny or need guidance on compliance, Othman Advocates offers the experience and insight you can trust. With nearly 20 years of criminal law expertise and a reputation built on integrity, our team stands ready to protect your interests. We guide you through the most complex legal challenges with confidence.
Schedule a consultation with Othman Advocates and get your first consultation free!