Definition
goAML is the online portal operated by FIU Ireland, the Financial Intelligence Unit within An Garda Síochána, through which Irish firms file Suspicious Transaction Reports (STRs). Accessed via fiu-ireland.ie, goAML also generates an XML version of each report that the Revenue Commissioners accept through ROS, completing the second leg of the dual STR reporting obligation in Ireland.
What it is
goAML is the electronic reporting system used by FIU Ireland — the national Financial Intelligence Unit, which sits within An Garda Síochána — to receive Suspicious Transaction Reports from regulated firms. A designated person accesses the portal through fiu-ireland.ie, normally via the firm's Money Laundering Reporting Officer (MLRO), who must register the firm on the system before any report can be submitted electronically.
Once a report has been filed, goAML can generate an XML file of that report. This matters because of a distinctly Irish quirk: STRs are dual-reported. The same report must also go to the Revenue Commissioners, submitted through ROS as an XML upload — and Revenue accepts the goAML-generated XML, so the second leg does not have to be re-keyed from scratch.
Why it matters for Irish firms
One suspicion means one report but two submissions, and the obligation is only fully discharged when both FIU Ireland and Revenue have received it. The practical failure points are mundane: firms that never registered on goAML before their first live suspicion, access credentials tied to an MLRO who has left, or a goAML filing made without the matching ROS upload. Registration on both systems is a set-up task, best treated as part of onboarding a new MLRO and checked at each annual review.
It is also worth being clear about what goAML is not. Ireland has no threshold transaction reporting regime — there is no routine obligation to report every transaction above a set amount. Reporting through goAML is suspicion-based.
What changes under the AMLR
From 10 July 2027, Regulation (EU) 2024/1624 (AMLR) becomes the directly applicable rulebook. Suspicion-based reporting continues, but the framework tightens: requests from the FIU must be answered within five working days (shorter for some categories), and records must be retained for five years and then deleted. A reporting workflow that lives in one person's inbox will struggle with those expectations.
How CompliDesk helps
CompliDesk Ireland includes an STR builder that generates goAML-compatible XML and tracks both the FIU Ireland and Revenue ROS legs of every submission — see the AMLR explainer for what else changes on 10 July 2027.
Related terms
General information, not legal advice. This definition provides general information about EU and Irish anti-money-laundering requirements. Regulatory detail is still evolving through 2026–27 — verify against primary sources (EUR-Lex, AMLA, and your sector’s Irish supervisor) and seek qualified advice before acting.