DeplexifyAML/CTF · Australia Terms

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Tranche 2 commenced 1 July 2026. Real estate professionals, lawyers, conveyancers, accountants, trust and company service providers and dealers in precious metals and stones are reporting entities from that date — and a reporting entity is expected to hold an AML/CTF program, not to be working on one.

AUD $249 — Report Readiness Pack. What the annual compliance report will actually ask you, the registers and records to keep so the answers accumulate through the reporting year instead of being reconstructed from memory, and deadline reminders. Your answers stay on file and your prepared answers are generated at no further charge when the reporting window opens.
AUD $595 — AML/CTF Program Pack. Your ML/TF risk assessment under s.26C and the AML/CTF policies built on it under s.26F, written for your business from your answers, with a gap analysis and a compliance calendar carrying your own derived dates. Delivered within one working day of payment. You review and adopt your own documents. Includes twelve months of email support and regulatory-change alerts, and the working paper behind your first annual compliance report when the window opens in July 2027 — at no further charge.
AUD $995 — Done-with-you. Everything in the Program Pack, reviewed and finalised with you in a working session — plus your first annual compliance report prepared and filed with you when the window opens (July–September 2027). After that first year, staying compliant is AUD $495 a year or AUD $49.95 a month.
No GST — we're not GST-registered. Launch pricing, confirmed in writing before any invoice issues · full terms.

Led by a chartered accountant, qualified twenty years, across practice, audit and government finance.

See before you buy: a complete sample pack for a fictional Brisbane real estate agency — all five documents in full, exactly as they are generated, including the risk assessment's derivation log showing which rule moved each rating. See a full sample pack →

Two things worth knowing before you buy anything

There is no Part A and no Part B any more. The 2024 reforms replaced that structure. A program is now the ML/TF risk assessment plus the AML/CTF policies built on it. Any template still using the old framing dates itself to the pre-reform regime the moment an assessor opens it.

Your risk ratings have to come from your answers. Section 26C asks for an assessment of the risks your business may reasonably face. A document that would have come out identical whatever you answered hasn't assessed anything. Every rating we produce prints the rule that moved it, the direction, and the questions that triggered it — including the rules we tested that didn't fire.

1. Your business
2. Where you're up to

Answer these honestly rather than optimistically — "no" and "not sure" are completely normal answers and they don't cost you anything. They just tell us how much there is to do.

We don't sell enrolment and we don't do it for you — the transitional window closed on 29 July 2026 and the standing rule is 28 days from first providing a designated service. You enrol yourself through AUSTRAC Online. We ask because your AUSTRAC Account Number is what sets your first independent evaluation deadline.

3. Terms

The short version — the full terms take about three minutes and are worth reading:

  • Flat fees — AUD $249 Report Readiness Pack, AUD $595 Program Pack, AUD $995 done-with-you. No GST: we aren't GST-registered. Launch pricing, confirmed in writing before any invoice issues.
  • Report Readiness Pack and Program Pack: paid up front by payment link; delivered within one working day of payment; refundable until generation begins, and not once delivered. The Program Pack's twelve months of support and alerts run from delivery.
  • Done-with-you: 50% to begin and 50% on approval, before anything is delivered or filed. Ongoing service afterwards is AUD $495 a year or AUD $49.95 a month.
  • Drafts are watermarked DRAFT and stay ours until they're paid for.
  • We prepare, you adopt. You review every document and your senior manager approves the program. That approval is yours to give.
  • We work from what you tell us. We don't audit or verify it, and we can't.
  • This is not legal advice and not an assurance engagement.
  • We don't act as your AML/CTF compliance officer. AUSTRAC permits an external one, but it's a standing appointment with personal statutory duties and we don't take it.
  • If we wrote your program, we can't also be the independent evaluator of it — AUSTRAC's independence rules exclude anyone involved in developing it. We'll say so up front and help you find someone else.
  • We don't do your AUSTRAC enrolment, and we don't do your customer due diligence. We write the procedures; you run them.
  • Your legal obligations stay yours. Engaging us doesn't move them.

Nothing is charged by this form. On the two self-serve packs you get a payment link on the next screen and by email; on done-with-you the link is for the 50% start payment and the balance is invoiced on your approval; on "advise me" we talk first.