Everything you walk away with
- Customised AML/CTF compliance plan
- AUSTRAC enrolment guidance
- Client KYC/CDD workflow
- Risk assessment report
- Employee training module
- Ongoing compliance reminders
AML/CTF software.For your practice.
Build your program, manage client checks and keep your records organised. Software for Australian professional practices.
What you get in 15 minutes
Built on AUSTRAC’s official Starter Kits, so nothing starts from guesswork.
No blank page
Answer plain questions and your program is written from AUSTRAC's Starter Kits, every answer mapped to its source document.
- Risk assessment
- CDD process
- EDD triggers
- Review schedule
Client KYC & KYB
Onboard individuals, companies and trusts in one flow, with entities checked against the ABR.
- ABR lookup
- Beneficial owners
- ID verification
- Documents
Ongoing Monitoring
Clients are re-screened on a risk-based schedule, and you hear from us the moment something changes.
- Sanctions
- PEP lists
- Review reminders
- Alerts
Built for your industry
Find the program tools and practical guidance for your profession.
Bring your AML program, client checks and source of funds records together in one place.
Explore the legal guide
Get started in three steps
1
Tell us about your business
Enter your ABN, select your industry, and tell us about the services you provide.
2
Answer the questionnaire
Work through the questions about your clients, services and risks.
3
Get your compliance plan
Review your draft program and risk assessment, then export your documents.
Does your business need an AML program?
Start with the free check. Answer three questions about your business and the services you provide.
- Check which of your services are covered.
- See the obligations relevant to your business.
- Get a practical list of next steps.
No account or card needed. Email is optional if you want a copy of your results.
Included in your plan
Privacy documents, included.
Create four privacy documents using details from your AML setup, then review and edit them for your practice.
Check your privacy readinessFree check. No signup.
Privacy Policy
What you collect, why, and how clients access or correct it.
Collection Notice
The notice you give clients when you collect their information.
Data Breach Plan
Steps for your team to assess and respond to a data breach.
Retention Schedule
A schedule for keeping and disposing of your records.
These are starting-point templates, not legal advice. Review them with your adviser before use.
The cost of non-compliance
Historical enforcement cases involving major banks and casinos.
$700M
Commonwealth Bank
2018
$1.3B
Westpac
2020
$450M
Crown Resorts
2023
Latest from the AML Mate blog
Practical guides, deadlines, and AUSTRAC interpretation for Tranche 2 reporting entities.
Compliance
The Deadlines Are Done. Your Next AUSTRAC Date Is 1 July 2027.
Enrolment closed on 29 July 2026. For most Tranche 2 firms the next date AUSTRAC actually puts in your calendar is 1 July 2027, when the first annual compliance report window opens. Everything in between runs on triggers you have to notice yourself, not dates anyone reminds you about. Here is what those triggers are, and what should be in your file by the end of August.
6 min readRead
ComplianceThe Person Giving You Instructions Is Not Your Customer. AUSTRAC Wants Both Identified, and the Paper Between Them.
The office manager who emails on behalf of the company. The son selling his mother's unit under a power of attorney. The buyer's agent bidding for a couple at auction. In each case the person you deal with is not the customer, and AUSTRAC's initial CDD lists them as a separate matter: identify the representative, establish their authority to act, and screen them. Here is who counts, what evidence of authority looks like, when you can skip verification, and what has to be in the file.
15 min readRead
Legal ProfessionalsThe Suspicion Came From a Privileged Conversation. AUSTRAC Still Wants a Form, and It Comes With Its Own Clock.
Legal professional privilege survived the AML/CTF reforms intact. What changed on 1 July 2026 is the paperwork around it: a form that goes in whenever you withhold privileged information from a report or a notice, a five business day SMR window instead of three, and a civil penalty for skipping the form. Here is when privilege actually lets you stay silent, when it does not, and how the form works for a lawyer, and for the accountant whose client repeated what their lawyer said.
12 min readRead
Frequently asked questions
I missed the 29 July 2026 enrolment deadline. What should I do now?
Enrol now rather than waiting. The deadline for businesses already providing designated services on 1 July 2026 was 29 July 2026, so enrolling late does not remove the obligation, but the gap stops growing the day you enrol. If you only started providing a designated service more recently, the ongoing rule applies instead: you must apply to enrol no later than 28 days after the day you start. AUSTRAC's stated position on the first compliance cycle is that it does not expect perfection immediately, but does expect to see genuine effort to comply. Enrolling, appointing your compliance officer, and having an AML/CTF program in place is what that effort looks like. AML Mate's registration tracker assembles the exact details AUSTRAC asks for, and the program generator produces the plan you need alongside it.
Who needs to comply with AUSTRAC AML/CTF regulations?
Tranche 2 obligations commenced on 1 July 2026 and are now in force. Accountants, tax agents, lawyers, conveyancers, real estate agents, and dealers in precious metals/stones (jewellers) who provide "designated services" must comply. That covers work like managing trust accounts, conveyancing, company and trust formation, and buying or selling real estate. A separate threshold applies to reporting: physical cash transactions of $10,000 or more trigger a Threshold Transaction Report.
What are the penalties for not complying with AML/CTF Tranche 2 obligations?
Civil penalties under the AML/CTF Act can reach up to $36.4 million per contravention for companies (100,000 penalty units) and $7.28 million for individuals (20,000 penalty units), calculated at $364 per penalty unit (from 1 July 2026). Penalties apply per contravention and can stack. AUSTRAC can also issue infringement notices, enforceable undertakings, and remedial directions.
How much does AML Mate cost?
AML Mate starts at $49/month, a fraction of the $3,000-$8,000/year that traditional compliance consultants charge. The free compliance check requires no signup. We offer a 14-day free trial on all paid plans so you can generate your compliance plan before committing.
Do I need a lawyer to create my AML/CTF program?
No. AUSTRAC explicitly states that businesses can create their own AML/CTF program using the free Starter Kits they provide. AML Mate automates this process using AUSTRAC's official guidance, so you don't need expensive consultants. However, we recommend having a compliance professional review your program for complex situations.
Your program. Your clients. One place.
Build your AML program, work through client checks and keep your records organised as your practice grows.
Plans from $49 AUD/month
Compare plans and inclusionsYour selected plan starts billing after 14 days. Cancel before your trial ends to avoid a charge.