AML/CTF Comply · A Budduns Platform · Coming July 2026
Your complete AUSTRAC compliance program — built in, guided, audit-ready.
From 1 July 2026, Australian real estate agents and Table 6 professional services must comply with the AML/CTF Act 2006. AML/CTF Comply is the complete program your business needs — enrolment, risk assessment, customer due diligence, reporting, and audit trail — in one place.
AUSTRAC commencement: 1 July 2026 · Real estate, accountants, lawyers, conveyancers, trust & company service providers must be enrolled and compliant.
The biggest compliance change in 18 years lands on 1 July 2026.
The Anti-Money Laundering and Counter-Terrorism Financing Amendment Act 2024 brings real estate, accountants, lawyers, conveyancers, and trust & company service providers into the AUSTRAC regime for the first time. From 1 July 2026, anyone providing a designated service under Table 5 or Table 6 of the Act must be enrolled with AUSTRAC and operating a full AML/CTF program — or stop providing the service.
This is not optional, not a phased recommendation, and not waiting for further consultation. The Act is compiled, the Rules are published, and the date is fixed.
We built AML/CTF Comply because the businesses now in scope — agencies, accounting firms, conveyancers — don't have a year to build internal compliance programs from scratch. They need a working program before 1 July. Comply delivers it.
Who's caught
Who's caught by the new regime?
If you provide any of these designated services in the course of carrying on a business, you must be enrolled with AUSTRAC and operating an AML/CTF program by 1 July 2026.
Real estate agents
Table 5, Item 1
Brokering the sale, purchase, or transfer of real estate on behalf of a buyer, seller, or transferor. Includes every agency principal and every licensee in charge.
Property developers
Table 5, Item 2
Selling or transferring real estate in the course of carrying on a business, where the sale is not brokered by an independent real estate agent.
Accountants
Table 6, Items 1–7
Qualified accountants (CPA Australia, CA ANZ, IPA) assisting clients with real estate transactions, body corporate transactions, equity/debt financing, or company restructuring.
Lawyers, conveyancers & TCSPs
Table 6, Items 1–7
Legal practitioners, conveyancers, and trust & company service providers undertaking the same designated services. Includes anyone managing client money as part of a transaction.
Not sure if you're caught? Run our quick eligibility check →
The obligations
17 obligations. One platform.
The AML/CTF Act and Rules 2025 set out 17 distinct obligations. AML/CTF Comply covers every one of them.
AUSTRAC enrolment
Enrol on the Reporting Entities Roll before providing any designated service
Enrolment module
ML/TF risk assessment
Document and review the money-laundering and terrorism-financing risks your business faces
Risk Assessment module
AML/CTF policies & program
Maintain a documented compliance program and apply it consistently
Policy & Process Docs module
Designated compliance officer
Name a specific individual responsible for AML/CTF compliance
Personnel module
Governing body oversight
Board / directors / sole owner must oversee compliance and receive annual reports
Personnel + Reporting modules
Personnel due diligence
Verify and re-verify personnel in AML/CTF roles before and during employment
Personnel module
Personnel training
Train all relevant staff on AML/CTF obligations, tailored to their role
Personnel module
Initial customer due diligence
Identify and verify every customer before (or upon) providing a designated service
Customer CDD module
Ongoing CDD
Monitor each customer's activity throughout the relationship; periodic review by risk rating
Monitoring & Escalation module
PEP & sanctions checks
Check every customer against politically-exposed-persons and sanctions lists
Customer CDD module
Suspicious matter reports (SMRs)
Report suspicions to AUSTRAC within 24 hours (terrorism) or 3 business days
Reporting module
Threshold transaction reports (TTRs)
Report any physical-cash transaction of $10,000 or more
Reporting module
Cross-border movement reports
Report cross-border physical currency or bearer-negotiable instruments of $10,000+
Reporting module
7-year record retention
Retain every record, every version, every report for at least 7 years
Document Centre + audit trail
Independent evaluation
Periodic independent evaluation of the program's effectiveness
Program Maintenance module
Effectiveness checks
Periodic testing that each part of the program is actually working
Program Maintenance module
Tipping-off prevention
Never inform a customer that an SMR has been made or is contemplated
Built into UI workflows
Citations: AML/CTF Act 2006 (Compilation No. 60, 31 March 2026); AML/CTF Rules 2025 (Compilation No. 1, 31 March 2026).
Inside Comply
What's inside AML/CTF Comply
Ten purpose-built modules. Every form pre-built. Every obligation tracked.
Enrolment
Guided AUSTRAC enrolment. Collects every field required under Rules Parts 3-2 and 3-3 and generates a submittable summary.
Risk Assessment
Pre-built real estate risk assessment matching the AUSTRAC starter kit. Customisable per business. Country risk table pre-populated.
Policy & Process Docs
Auto-generated, pre-filled policy and process documents. Version controlled. 7-year retention built in.
Personnel
Role assignment, compliance officer designation, personnel due diligence (PDD) forms, training tracker, annual review reminders.
Customer CDD
Onboarding and CDD forms for every customer type — Individual, Sole Trader, Body Corporate, Partnership, Trust, Government Body. Risk rating calculator built in.
Monitoring & Escalation
Unusual activity reporting, escalation to compliance officer, enhanced CDD workflow, periodic review reminders by risk band.
Reporting
SMR workflow (24-hour and 3-day timers), TTR capture, CBMR, annual compliance report generator. Submission tracking and audit trail.
Program Maintenance
Periodic reviews, independent evaluation scheduler, effectiveness checks, governing body report generator.
Document Generator
Auto-generate AUSTRAC-formatted, pre-filled Word and PDF versions of every required document. One click.
Dashboard & Audit Trail
Compliance health score, deadline calendar, 7-year audit log, full export capability for inspections and audits.
Why Comply
Why AML/CTF Comply, not a generic compliance product
Built to the Act, not adapted from another jurisdiction
Comply is built from the Australian AML/CTF Act 2006 and Rules 2025 directly. Not a US BSA tool adapted for Australia, not a UK MLR tool retro-fitted, not a generic KYC platform with an Australian skin. Every form, every workflow, every retention rule maps to the Australian law.
AUSTRAC starter-kit aligned
Every form in Comply mirrors the AUSTRAC starter-kit templates. If your inspector or auditor recognises the format, they recognise it because it's the format AUSTRAC publishes.
Designed for the firms now in scope
We didn't build this for major banks. We built it for the real estate agencies, accounting firms, and conveyancers who are being brought into the regime for the first time — and who don't have a 50-person compliance department to lean on.
Australian-hosted, Australian-built
Hosted in Sydney (Azure Australia East). Data stays in Australia. Compliant with Australian Privacy Principle 8.1. Built by an Australian team that's actually read the Act.
Pricing
Three tiers. Australian dollars. Per month.
solo agent / small firm
Starter
From $79/month
- 1 user, 1 branch
- Up to 100 customer CDD records
- All document generators
- SMR/TTR workflow
- Compliance dashboard
agency / multi-agent firm
Business
From $249/month
- Up to 10 users, up to 5 branches
- Unlimited customer CDD records
- All document generators
- SMR/TTR/CBMR workflow
- Annual compliance report generator
- PEP/sanctions screening (add-on)
group / franchisor / large firm
Enterprise
Custompricing
- Unlimited users and branches
- White-label option for industry associations
- API access for system integration
- PEP/sanctions screening included
- Dedicated implementation support
Pricing is indicative pre-launch and subject to final confirmation at the 1 June 2026 release. Waitlist members get first access and locked-in launch pricing.
The build
What's ready, what's coming
Phase 1
MVP for Real Estate Agents
Ready 1 June 2026
AUSTRAC enrolment guide, ML/TF risk assessment (real estate pre-built), initial CDD forms (Individual, Body Corporate, Trust), policy and process document generator, personnel register, basic dashboard, Stripe billing on Starter and Business tiers.
Phase 2
Full Real Estate Feature Set
August 2026
Enhanced CDD workflow, SMR/TTR/CBMR report workflow, ongoing CDD monitoring and review reminders, PEP/sanctions manual check workflow, independent evaluation scheduler, effectiveness check forms, annual compliance report generator, remaining CDD forms (Government Body, Sole Trader).
Phase 3
Accountants
October 2026
Table 6 professional services CDD, accountant-specific risk assessment, Table 6 Items 1-7 workflow coverage, trust & company service provider modules, multi-branch and multi-practitioner support.
Phase 4
All Scoped Sectors
Q1 2027
Lawyers and conveyancers modules, precious metals/stones dealers (Table 2), PEP/sanctions API integration (ComplyAdvantage/Refinitiv), enterprise tier with multi-entity groups, white-label option for industry associations.
FAQs
The questions we keep getting
Be compliant by 1 July — without spending the next six months building a compliance program from scratch.
Join the AML/CTF Comply waitlist. Locked-in launch pricing. First access in June. AUSTRAC-enrolled and operating before the deadline.