AMLfirm is a next-generation global Anti-Money Laundering and Counter-Terrorism Financing advisory and technology platform. Launching 2026. Built for a world that can no longer afford compliance gaps.
Governments and regulators worldwide are responding with the strongest, most comprehensive AML/CTF reforms in decades. Businesses must move beyond tick-box compliance toward intelligent, risk-based frameworks — or face escalating regulatory, legal and reputational exposure.
AMLfirm is being built to bridge the gap between regulatory complexity and practical, scalable compliance — for every regulated entity, in every jurisdiction.
AMLfirm is being built to serve every regulated and newly regulated entity — from global financial institutions to newly regulated professionals.
Enterprise-wide risk assessments and AML/CTF compliance programs aligned with FATF Recommendations, local obligations, and industry-specific ML/TF risk exposure. Covering customer due diligence, enhanced due diligence, governance and reporting protocols.
Structured implementation roadmaps for businesses preparing for expanded designated services regulation, tranche-based reforms, digital asset regulation, enhanced reporting obligations, suspicious matter reporting updates, and tipping-off offence changes.
A secure cloud-based AML compliance platform with risk scoring engine, customer onboarding workflow management, AML policy generator, suspicious matter report tracker, compliance officer dashboard, staff training logs and document retention. AI-driven anomaly detection and sanctions/PEP API integrations on the roadmap.
Staff AML training and certification, compliance officer development, board-level governance advisory, culture of compliance programs, and industry-specific risk awareness training for newly regulated entities under Tranche 2 and equivalent global reforms.
Purpose-built AML/CTF starter kits for accountants, lawyers, conveyancers, real estate professionals, trust and company service providers, and precious metals dealers. Ready-to-implement programs with compliance officer appointment support and AUSTRAC notification guidance.
AML/CTF compliance for digital currency exchanges, virtual asset service providers, DeFi platforms, and crypto businesses. Includes expanded regulation readiness for services beyond fiat-to-crypto exchange, travel rule compliance, and blockchain transaction intelligence integration.
AMLfirm is designed from the ground up for global deployment, supporting regulated entities across every major financial jurisdiction with local regulatory intelligence embedded into every service.
Full AUSTRAC AML/CTF Act compliance support, Tranche 2 transition packages, FATF Mutual Evaluation readiness, SMR and TTR obligations.
FCA AML compliance, Money Laundering Regulations 2017 (MLR), HMRC supervision, Proceeds of Crime Act frameworks, and suspicious activity reporting.
FinCEN BSA compliance, SAR reporting, AML program requirements, beneficial ownership under CTA, and OFAC sanctions screening integration.
EU AML Directives (AMLD5/AMLD6), AMLA readiness, UBO register compliance, cross-border CTF obligations, and GDPR-aligned data handling.
MAS AML/CFT compliance, APRA guidance alignment, cross-APAC regulatory frameworks, and emerging market AML capacity building.
CBUAE AML/CFT compliance, FATF MENA region alignment, DFSA and ADGM AML frameworks, and cross-border value transfer compliance.
FINTRAC compliance, Proceeds of Crime (Money Laundering) and Terrorist Financing Act, beneficial ownership reporting, and SMR obligations.
FATF-aligned compliance frameworks for regulated entities operating across developing financial markets and correspondent banking jurisdictions.
AMLfirm serves all current reporting entities and all newly regulated Tranche 2 entities across Australia, with equivalent global industry coverage.
Banks, credit unions, remittance providers, mortgage brokers, financial advisers, and payment service providers.
Real estate agents and agencies — now regulated under Australia's Tranche 2 from 1 July 2026. High-risk sector for money laundering globally.
Solicitors, barristers, and law firms providing designated services. Regulated under Tranche 2 from 1 July 2026. High FATF priority sector.
Accounting practices providing designated services, now subject to AML/CTF obligations under Tranche 2 reforms effective 1 July 2026.
Conveyancing professionals facilitating property transfers — a key Tranche 2 designated service with significant AML risk exposure.
Dealers in precious metals, precious stones, and high-value goods. Subject to Tranche 2 AML/CTF obligations from 1 July 2026.
Trust and company service providers — a FATF-identified high-risk sector and key target of Tranche 2 AML/CTF reform in Australia.
Crypto exchanges, DeFi platforms, NFT marketplaces, and digital asset custodians. Expanded regulation from 31 March 2026.
Online remitters, hawala operators, and cross-border value transfer providers regulated under AML/CTF obligations globally.
Technology-enabled financial services and regulatory technology companies operating in regulated financial environments globally.
Large corporates with cross-border operations requiring consistent global AML/CTF frameworks across multiple regulatory jurisdictions.
Insurance, superannuation, wealth management, and other non-bank financial service providers with AML/CTF obligations.
AMLfirm's cloud-based compliance platform combines advisory expertise with technology to deliver scalable, practical AML compliance at every level of the organisation.
Dynamic customer and transaction risk scoring aligned with your AML/CTF risk assessment and regulatory obligations.
Managed CDD and EDD workflows, document collection, identity verification, and beneficial ownership capture.
Auto-generates compliant AML/CTF policies, procedures and programs tailored to your designated services and risk profile.
End-to-end SMR workflow management, tipping-off safeguards, lodgement tracking, and regulatory correspondence management.
Real-time compliance health monitoring, obligation tracking, regulatory deadline alerts, and board-level reporting.
Staff AML training delivery, completion tracking, certification records, and compliance officer qualification management.
Secure document storage, regulatory record-keeping obligations management, and full audit trail for examination readiness.
Jurisdictions worldwide are rapidly strengthening AML/CTF regimes to align with FATF standards. Non-compliance exposes businesses to grey-listing risk, correspondent banking restrictions, regulatory enforcement and reputational harm. AMLfirm ensures your program is future-proof.
Every AMLfirm program is built on a risk-based foundation, proportionate to the entity's actual exposure to ML/TF risks.
Comprehensive CDD and EDD frameworks aligned with FATF R.10, R.12 (PEPs), R.13 (Correspondent Banking) and R.22 (DNFBPs).
End-to-end suspicious matter reporting frameworks, tipping-off safeguards and intelligence contribution aligned with FATF standards.
Support for businesses across every FATF R.26 sector — banks, DNFBPs, virtual asset service providers and trust and company services.
On 29 November 2024, the Parliament of Australia passed the AML/CTF Amendment Bill 2024, amending the AML/CTF Act and fundamentally reshaping Australia's anti-money laundering and counter-terrorism financing framework. These laws are overseen by AUSTRAC — Australia's financial intelligence regulator and specialist AML/CTF supervisor.
Existing regulated entities face significant program, policy and governance updates under the reforms.
Updated AML/CTF program requirements and due diligence standards. New requirements for value transfer obligations and revised definition of bearer negotiable instruments in financial services.
The tipping-off offence was amended on 31 March 2025. Disclosure is now only criminal where it would or could reasonably be expected to prejudice an investigation — replacing the previous broader prohibition.
Digital currency regulation expanded from fiat-to-crypto exchange to include additional virtual asset services from 31 March 2026. Businesses providing these services must comply from this date.
Failure to meet these regulatory deadlines exposes businesses to AUSTRAC enforcement action, civil penalties, and significant reputational damage. AMLfirm's structured transition programs are designed around these deadlines.
Existing reporting entities must have updated AML/CTF risk assessments and programs in place. New digital asset and VASP regulations also commence. Existing entities must already be compliant.
Deadline for existing regulated entities to notify AUSTRAC of their appointed AML/CTF Compliance Officer. Appointment and notification must be completed by this date.
Real estate professionals, lawyers, conveyancers, accountants, precious metals dealers, and trust and company service providers must fully comply with all AML/CTF obligations from this date.
Deadline for newly regulated Tranche 2 entities to notify AUSTRAC of their appointed AML/CTF Compliance Officer. A critical regulatory obligation from day one.
The reforms affect all existing regulated entities — not just newly regulated businesses. From 31 March 2026, current reporting entities face mandatory program, policy and governance updates.
Existing AML/CTF programs must be reviewed, updated and documented to meet new requirements under the amended AML/CTF Act, with strengthened due diligence standards and governance protocols.
Revised enhanced due diligence requirements for high-risk customers, PEPs, correspondent banking relationships, and high-risk jurisdictions must be implemented in existing compliance programs.
Updates to value transfer obligations within financial services, including a new definition of bearer negotiable instruments, require immediate policy and operational procedure updates.
Changes effective from 31 March 2025 amended the tipping-off offence. Staff training, compliance officer guidance, and legal advice protocols must be updated to reflect the new standard.
Existing digital currency exchange providers face expanded regulation to additional virtual asset services from 31 March 2026. New designated services and compliance obligations apply.
Updated suspicious matter reporting frameworks require policy review, staff retraining, and system updates to ensure ongoing compliance with reformulated SMR obligations.
The FTR Act was repealed on 7 January 2025. Businesses that were regulated under the FTR Act no longer need to report transactions under that Act from that date. However, ongoing obligations remain.
AUSTRAC retains the right to request information about reports lodged before the repeal date. Confidentiality and record-keeping obligations for historical FTR Act reports continue.
Note: Some of these businesses may now fall under new Tranche 2 obligations or the expanded AML/CTF Act depending on the services they provide. Seek legal advice to confirm your regulatory status.
AMLfirm is being built as a global AML advisory partner, modern compliance technology provider, strategic risk management consultant, and regulatory reform implementation specialist — combining deep regulatory insight with practical business understanding and technology-enabled compliance.
Purpose-built by specialists with deep knowledge of FATF, AUSTRAC, FCA, FinCEN and global AML/CTF regulatory frameworks.
Hybrid advisory and SaaS model delivering scalable, intelligent, and practical compliance for organisations of every size.
All programs built on FATF-aligned risk-based approach — proportionate, defensible, and effective for real-world risk environments.
Single platform, multiple jurisdictions. Cross-border compliance mapping with local regulatory intelligence embedded in every service.
Compliance solutions designed by practitioners who understand real-world business operations — not just regulatory text.
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This website provides general information about AML/CTF reform developments and anticipated AMLfirm services. It does not constitute legal advice and should not be relied upon as a substitute for professional legal or compliance advice tailored to your specific circumstances. Australian courts and regulatory authorities are ultimately responsible for interpreting AML/CTF laws and determining compliance obligations. The examples and scenarios referenced are illustrative only and not exhaustive. Businesses should seek independent professional legal advice specific to their circumstances regarding how AML/CTF laws apply to their operations. AMLfirm references to AUSTRAC guidance and reform information are provided for informational purposes only.