🇦🇪UAE

تكاليف الاحتفاظ بالوثائق لـ 5 سنوات بسبب SAR

1 verified sources

Definition

Post-SAR filing, all records must be kept for audits/investigations, creating ongoing storage and retrieval burdens.

Key Findings

  • Financial Impact: AED 5,000 - 20,000 annually in storage/archiving costs; 10-20 hours per audit retrieval
  • Frequency: Ongoing for all filed SARs; peaks during FIU audits
  • Root Cause: Manual documentation gathering and physical/digital retention without automation

Why This Matters

This pain point represents a significant opportunity for B2B solutions targeting Savings Institutions.

Affected Stakeholders

Compliance Officer, Records Management, Internal Audit

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Financial Impact

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Current Workarounds

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Methodology & Sources

Data collected via OSINT from regulatory filings, industry audits, and verified case studies.

Evidence Sources:

Related Business Risks

غرامات عدم تقديم تقرير النشاط المشبوه (SAR)

AED 20,000 - 100,000 per violation (typical AML fines); 20-40 hours per manual SAR filing

فقدان القدرة بسبب إجراءات SAR اليدوية

30-50 staff hours per month at AED 100/hour (AED 36,000 - 60,000/year)

غرامات الشيكات المرتجعة

AED 100 per bounced check

خسائر القدرة من الإجراءات اليدوية

20-40 hours/month per branch staff (logic: typical manual verification time)

رسوم عدم الحفاظ على الرصيد الأدنى

AED 50 per month per account

فقدان العملاء بسبب التأخير في فتح الحساب

2-5% revenue churn from delayed onboarding (logic: industry standard for banking friction)

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