Free compliance guides
for Australian businesses.
Practical, accurate educational content written specifically for Australia's AML/CTF regime. From AML fundamentals to AUSTRAC reporting — explained in plain language.
Foundations3 guides
AML/CTF Fundamentals: A Complete Guide for Australian Businesses
Australia's Anti-Money Laundering and Counter-Terrorism Financing regime is one of the most comprehensive in the Asia-Pacific region. This guide explains the foundations — what the laws require, who they apply to, and what non-compliance looks like in practice.
Read GuideKYC Guide: Identity Verification for Australian Reporting Entities
Customer identification is the foundation of every AML/CTF program. This guide explains what KYC requires under the AML/CTF Act, what documents are acceptable, when enhanced due diligence applies, and how digital verification services work in practice.
Read GuideKYB Guide: Verifying Business Customers Under the AML/CTF Act
Verifying business customers is more complex than individual KYC. This guide explains how to verify Australian companies, map beneficial ownership, handle trust structures, and document corporate customer due diligence under the AML/CTF Act.
Read GuideScreening3 guides
Sanctions Screening Guide for Australian Reporting Entities
Sanctions screening is a mandatory component of AML/CTF compliance for all Australian reporting entities. This guide explains Australia's sanctions regime, the lists that must be screened, how to respond to matches, and how automated screening works in practice.
Read GuidePEP Screening Guide: Politically Exposed Persons and Australian AML Obligations
Politically exposed persons present elevated money laundering risk due to their potential exposure to bribery and corruption. This guide explains who qualifies as a PEP, how Australian law treats PEP relationships, what enhanced due diligence is required, and how to manage PEP customers ongoing.
Read GuideAdverse Media Screening: Managing Reputational and Compliance Risk
Adverse media screening surfaces risks that structured databases cannot capture. This guide explains how negative news screening integrates with AML/CTF compliance, what types of media are material, how to manage false positives, and why ongoing monitoring is as important as onboarding screening.
Read GuideReporting3 guides
SMR Guide: Suspicious Matter Reports for Australian Reporting Entities
Suspicious Matter Reports are the primary mechanism by which Australian reporting entities contribute financial intelligence to AUSTRAC. This guide explains the legal obligation, the suspicion threshold, timing requirements, what to include, the tipping-off offence, and how to maintain report quality.
Read GuideIFTI Guide: International Funds Transfer Instructions for Australian Reporting Entities
International Funds Transfer Instructions are a mandatory report for every cross-border payment — with no minimum threshold. This guide explains who must lodge IFTIs, what triggers the obligation, what data is required, the 10-business-day deadline, and how the Travel Rule interacts with IFTI obligations.
Read GuideTTR Guide: Threshold Transaction Reports Under the AML/CTF Act
Threshold Transaction Reports are required for all cash transactions of $10,000 or more. This guide explains the TTR obligation, what counts as cash, the structuring offence, timing requirements, and how TTRs interact with SMR obligations.
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