Built for the Tranche 2 businesses now captured by Australia's AML/CTF reforms - lawyers, accountants, real-estate agents, conveyancers, trust and company service providers and precious-metal dealers. Build your AML/CTF Program, run customer due diligence, assess ML/TF risk and manage AUSTRAC reporting, all in your browser and review-ready.
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The tranche-2 reforms bring a clear set of duties. Here's what a reporting entity needs to stand up; and keep current.
A business-wide ML/TF risk assessment and the AML/CTF policies, procedures, systems and controls that manage those risks; documented, approved and kept up to date.
Identify and verify customers and beneficial owners, apply enhanced due diligence where the risk is higher, and keep ongoing CDD current.
Assess your money-laundering and terrorism-financing risk across customers, services, channels and jurisdictions; and review it regularly.
Enrol with AUSTRAC and lodge suspicious matter reports (SMRs), threshold transaction reports (TTRs) and international funds transfer instructions (IFTIs) on time.
Keep AML/CTF records for seven years and appoint an AML/CTF Compliance Officer to own the program day to day.
Train your staff to recognise and report risk, and arrange an independent review of your program at appropriate intervals.
Generate and maintain your business-wide ML/TF risk assessment and your AML/CTF policies, procedures, systems and controls from guided templates tailored to your business.
Run a structured CDD workflow; identify and verify customers and beneficial owners, with enhanced and ongoing due diligence built in.
Score money-laundering and terrorism-financing risk across customers, services, channels and geographies in a living register.
Work through a PEP and sanctions screening checklist for each customer and record your findings as part of the CDD file.
Track suspicious matter reports, threshold transaction reports and IFTIs with due dates and a clear lodgement history.
Instantly see where you fall short of your AUSTRAC obligations, prioritised by impact, so you know what to fix first.
A readiness check and timeline that helps you work out whether you're captured and what to have in place now the reforms are in force from 1 July 2026.
Map every task and control back to the AML/CTF Act and Rules, so your evidence lines up with the obligation it satisfies.
Export a polished AML/CTF compliance report for AUSTRAC, your independent reviewer or your board in one click.
Confirm whether you're a tranche-2 entity and see what the reforms require of your business.
Generate your AML/CTF Program and complete your ML/TF risk assessment from guided templates.
Onboard customers with the CDD workflow and track SMRs, TTRs and IFTIs in the reporting register.
Generate a review-ready PDF for AUSTRAC, your reviewer or your board.
If you provide designated services, the 2026 reforms likely capture you. This is built for the professions now in scope.
AML/CTF Compliance is Australian, browser-based compliance software for Tranche 2 businesses now captured by the AML/CTF reforms. It helps lawyers, accountants, conveyancers, real-estate agents, trust and company service providers and precious-metal dealers build an AML/CTF Program, run customer due diligence, assess ML/TF risk, track AUSTRAC reporting and export review-ready evidence.
Not legal advice. This is a self-service tool to help you prepare; it does not replace legal advice or an independent reviewer. Verify your obligations against AUSTRAC guidance and the AML/CTF Act and Rules. Last updated 1 July 2026.
From 1 July 2026, Australia's AML/CTF regime extends to designated services commonly provided by lawyers and conveyancers, accountants, real-estate professionals, trust and company service providers, and dealers in precious metals and stones. If that is you, see what AML/CTF Tranche 2 is and use the built-in readiness check to confirm whether and when a designated service captures you.
At its core, an AML/CTF program is a business-wide ML/TF risk assessment together with the AML/CTF policies, procedures, systems and controls that manage those risks. The builder helps you document and maintain it - your governance framework, the appointment of an AML/CTF Compliance Officer (AMLCO), how you keep records (for the required retention period), how you train staff, and how you arrange an independent review of the program at appropriate intervals. It generates and maintains the program from guided templates you approve and keep up to date.
Under the regime you must identify and assess your money-laundering and terrorism-financing risk. The risk assessment works across the factors AUSTRAC expects you to consider - your customers, the designated services you provide, your delivery channels, and the countries and jurisdictions you deal with. It captures inherent risk, the effectiveness of your controls, and the residual risk that remains, with likelihood and consequence, and lets you plan risk-treatment actions and review the assessment regularly.
The customer due diligence workflow covers the whole relationship: initial CDD to identify and verify customers and their beneficial owners before you provide a designated service, ongoing CDD to keep that current, enhanced CDD where the risk is higher, and simplified CDD where it is lower. A PEP and sanctions screening checklist and a customer risk rating are built into each CDD file.
Reporting entities must enrol with AUSTRAC and lodge the right reports on time. The register tracks your suspicious matter reports (SMRs), threshold transaction reports (TTRs) and international funds transfer instructions (IFTIs) with due dates, a suspicion-assessment and decision log, lodgement references, report status and an audit trail - so nothing is missed and every report is traceable to the customer or matter it relates to.
AML/CTF Compliance is maintained against AUSTRAC guidance and the AML/CTF Act and Rules, and updated as the reforms and rules change. Your program contents, CDD records and risk assessments stay in your own browser; only your account email and subscription status are handled server-side, via Supabase and Stripe.
This tool is general guidance and a preparation aid, not legal advice, and it does not replace an independent reviewer or your obligations under the law. Always confirm your AML/CTF position with a suitably qualified adviser and against current AUSTRAC guidance before you rely on it.
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Prices in AUD. No credit card required to start your trial; you only enter payment details if you choose to keep your plan when the 14-day trial ends.
Likely, if you provide designated professional services. The reforms extend the regime to lawyers and conveyancers, accountants, real-estate agents, trust and company service providers, and dealers in precious metals and stones. The tool includes a tranche-2 readiness check to help you work it out.
Build and maintain your AML/CTF Program, run customer due diligence, assess ML/TF risk, manage AUSTRAC reporting (SMR/TTR/IFTI) and records, and export review-ready reports.
Yes; 14 days, with no credit card required. You only enter payment details if you choose to keep your plan when the trial ends.
In your own browser. We don't upload or store the contents of your program, CDD records or risk assessments; only your account email and subscription status, via Supabase and Stripe.
Absolutely; no lock-in and no cancellation fees. Manage or cancel your plan anytime from the in-app billing portal.
No. AML/CTF Compliance is general guidance and a self-service tool to help you prepare; it doesn't replace legal advice or an independent reviewer. Verify your obligations against AUSTRAC and the AML/CTF Act and Rules.
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