1. Introduction
Alkhair Malaysia (“Alkhair”, “we”, “our”, or “us”) is committed to maintaining the highest standards of integrity, transparency, accountability, and legal compliance in all fundraising, financial, humanitarian, and operational activities.
This Anti-Money Laundering & Counter Financing of Terrorism (“AML/CFT”) Policy outlines Alkhair Malaysia’s commitment to preventing:
- money laundering,
- terrorism financing,
- fraud,
- unlawful financial activities,
- misuse of charitable funds,
- and abuse of humanitarian
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This Policy supports responsible governance and compliance with applicable laws, regulations, banking requirements, and ethical humanitarian standards.
2. Purpose of This Policy
The purpose of this Policy is to:
- protect Alkhair Malaysia, donors, beneficiaries, volunteers, and partners from financial abuse,
- promote lawful and ethical fundraising practices,
- strengthen public and donor confidence,
- reduce financial crime risks,
- ensure responsible stewardship of charitable funds,
- and support compliance with applicable Malaysian laws and international best
3. Legal & Regulatory Commitment
Alkhair Malaysia is committed to complying, where applicable, with:
- the Anti-Money Laundering, Anti-Terrorism Financing and Proceeds of Unlawful Activities Act 2001 (AMLA),
- applicable Malaysian financial and regulatory requirements,
- banking and payment provider compliance obligations,
- sanctions and anti-terrorism financing regulations,
- and relevant humanitarian accountability
4. Zero-Tolerance Commitment
Alkhair Malaysia maintains a zero-tolerance approach toward:
- money laundering,
- terrorism financing,
- fraud,
- corruption,
- bribery,
- unlawful donations,
- misuse of charitable resources,
- or any activities that may compromise humanitarian integrity and public
5. Risk-Based Approach
Alkhair Malaysia adopts a reasonable risk-based approach to identifying and managing financial and operational risks associated with:
- donations,
- fundraising campaigns,
- payment systems,
- cross-border activities,
- partnerships,
- humanitarian operations,
- and financial
Risk assessments may consider:
- transaction patterns,
- geographic regions,
- operational environments,
- donor behavior,
- and other relevant compliance
6. Donations & Financial Screening
To protect organizational integrity and humanitarian operations, Alkhair Malaysia reserves the right to:
- verify donor information where reasonably necessary,
- review suspicious transactions,
- request supporting information,
- reject or suspend donations,
- decline partnerships or financial contributions,
- or conduct additional compliance
Such actions may be taken where transactions appear:
- suspicious,
- unusually large,
- inconsistent,
- unverifiable,
- high-risk,
- or potentially connected to unlawful
7. Prohibited Sources of Funds
Alkhair Malaysia does not knowingly accept donations or financial support connected to:
- unlawful activities,
- fraud,
- terrorism financing,
- sanctioned entities,
- criminal proceeds,
- corruption,
- identity theft,
- or activities prohibited under applicable laws and
Where concerns arise, Alkhair Malaysia reserves the right to:
- suspend processing,
- return funds,
- refuse donations,
- freeze transactions pending review,
- or report matters to relevant authorities where legally
8. Use of Third-Party Payment Providers
Donations and financial transactions may be processed through trusted third-party providers including:
- payment gateways,
- banks,
- crowdfunding platforms,
- digital payment services,
- and fundraising
These providers may implement their own:
- identity verification procedures,
- transaction monitoring,
- fraud prevention systems,
- compliance requirements,
- and risk
- Alkhair Malaysia may cooperate with such providers to maintain lawful and secure
9. Record Keeping & Documentation
Alkhair Malaysia may maintain reasonable financial and operational records for purposes including:
- accountability,
- auditing,
- fraud prevention,
- compliance,
- financial reporting,
- donor verification,
- and regulatory
Records may be retained for reasonable periods in accordance with applicable laws, operational needs, and organizational practices.
10. Monitoring & Reporting
Alkhair Malaysia may monitor activities and transactions for indicators of:
- suspicious financial behavior,
- fraudulent conduct,
- unusual transaction patterns,
- operational abuse,
- or other compliance
Where legally required or reasonably necessary, Alkhair Malaysia may cooperate with:
- financial institutions,
- payment providers,
- regulatory bodies,
- law enforcement agencies,
- or relevant
11. Internal Governance & Accountability
Alkhair Malaysia is committed to promoting internal accountability and responsible governance practices.
Reasonable measures may include:
- financial oversight,
- approval controls,
- transaction monitoring,
- operational reviews,
- role-based responsibilities,
- and compliance
The level of controls implemented may vary depending on organizational size, operational realities, and risk exposure.
12. International & Humanitarian Operations
Certain humanitarian activities may involve:
- cross-border aid,
- international fundraising,
- emergency response operations,
- or work in high-risk or conflict-affected
Alkhair Malaysia recognizes the increased compliance and operational risks associated with such environments and may implement additional safeguards where reasonably appropriate.
13. Privacy & Confidentiality
Compliance and verification activities may involve the collection and review of certain information. Such information shall be handled reasonably and in accordance with:
- applicable privacy obligations,
- organizational confidentiality practices,
- operational security needs,
- and the Alkhair Malaysia Privacy
14. Limitation of Liability
While Alkhair Malaysia strives to maintain effective safeguards and compliance practices, no system can guarantee complete prevention of unlawful conduct.
To the fullest extent permitted by law, Alkhair Malaysia shall not be liable for:
- indirect losses,
- third-party misconduct,
- external system failures,
- unauthorized criminal acts,
- or circumstances beyond reasonable operational
Nothing in this Policy excludes obligations or rights that cannot legally be excluded under applicable law.
15. Policy Updates
Alkhair Malaysia reserves the right to revise or update this AML/CFT Policy periodically to reflect:
- legal developments,
- regulatory requirements,
- operational changes,
- financial system developments,
- security improvements,
- or organizational
Updated versions will be published with a revised effective date.
Continued engagement with Alkhair Malaysia after updates constitutes acceptance of the revised Policy.
16. Contact Information
For inquiries regarding this AML/CFT Policy or compliance-related matters, please contact:
Alkhair Malaysia
Website: https://alkhair.my
Email: media.alkhairmy@gmail.com
17. Acceptance
By donating to, partnering with, or engaging with Alkhair Malaysia through its website, fundraising platforms, or operational activities, users acknowledge that they have read, understood, and agreed to this AML/CFT Policy.
