Your Complete AML/CTF Compliance Pack

This is the single most important document in your pack. It is your business's official AML/CTF Program — a comprehensive, professionally drafted document (40–60 pages) that covers every compliance obligation in full. It must be approved by your principal or director, customised with your business details, and reviewed annually. Every business covered by the reforms must have one.

• 📋AML/CTF Program (White-Label) — covers governance, risk assessment (EWRA), CDD procedures, transaction monitoring, suspicious matter reporting, training, record keeping, independent review, and sector-specific controls. Fill in the highlighted fields to make it yours.

Nineteen standalone policies that cover each compliance obligation in detail. All 19 are written specifically for your sector — a real estate agent's client due diligence policy is fundamentally different from a jeweller's. These sit alongside your T1 Program as your complete policy suite.

• 📄POL-001 — Governance & Risk Management Policy
• 📄POL-002 — Enterprise-Wide Risk Assessment (EWRA) Policy
• 📄POL-003 — Customer Due Diligence (CDD) Policy
• 📄POL-004 — Enhanced Due Diligence (EDD) Policy
• 📄POL-005 — Sanctions Screening Policy
• 📄POL-006 — Politically Exposed Persons (PEP) Policy
• 📄POL-007 — Transaction Monitoring & Reporting Policy
• 📄POL-008 — Record Keeping & Retention Policy
• 📄POL-009 — Staff Training & Competency Policy
• 📄POL-010 — Third-Party Reliance & Outsourcing Policy
• 📄POL-011 — Breach Management & Incident Response Policy
• 📄POL-012 — Independent Review & Continuous Improvement Policy
• 📄POL-013 — Client Acceptance & Exit Policy
• 📄POL-014 — Funds Handling Policy
• 📄POL-015 — Technology & Data Security Policy
• 📄POL-016 — Proliferation Financing Policy
• 📄POL-017 — Whistleblower & Internal Reporting Policy
• 📄POL-018 — New Products, Services & Business Change Policy
• 📄POL-019 — Correspondent & Referral Relationships Policy

These are the practical, day-to-day working documents. Your staff use these on every client matter — at the front desk, in the file, at settlement. Each form is sector-specific and designed to make compliance straightforward without slowing down your work. Print them, save them digitally, or build them into your practice management system.

• ✅T3-001 — Matter / Transaction Intake Check: confirms whether AML/CTF obligations apply to this new client or matter before you begin
• ✅T3-002 — CDD Checklist (Individual): step-by-step identity verification form for individual clients
• ✅T3-003 — CDD Checklist (Company / Trust / SMSF): identity and beneficial ownership verification for non-individual clients
• ✅T3-004 — Client Risk Scoring Sheet: assigns a Low / Medium / High / Critical rating to each client matter
• ✅T3-005 — Enhanced Due Diligence Workpaper: structured working document for high-risk client investigations
• ✅T3-006 — Source of Funds & Wealth Template: documents where a client's transaction money is coming from
• ✅T3-007 — Suspicious Matter Report Decision Tree: a clear yes/no flowchart guiding the decision to lodge an SMR with AUSTRAC
• ✅T3-008 — Annual CO Review Checklist: guides the Compliance Officer through the annual program review

The law requires you to keep AML/CTF records for 7 years. These pre-built Excel registers are your system for doing that efficiently. They are maintained throughout the year and form the evidentiary backbone of your compliance program. Each register is sector-specific — conveyancers have a PEXA verification log, real estate agents have a FIRB register, jewellers have a cash transaction log.

• 📊REG-001 — Matter Alert Register: ongoing log of all red flags and alerts identified during client matters
• 📊REG-002 — SMR Internal Register: confidential record of all Suspicious Matter Reports lodged with AUSTRAC
• 📊REG-003 — Sanctions Screening Log: records every sanctions check conducted and its outcome
• 📊REG-004 — Sector Register #1: e.g., PEXA Settlement Log (conveyancers) · TCSP Engagement Register (lawyers) · Client Funds Monitor (accountants) · TTR / Cash Transaction Log (jewellers) · FIRB Non-Resident Buyer Register (real estate)
• 📊REG-005 — Sector Register #2: e.g., FIRB Register (conveyancers) · LPP Assertion Log (lawyers) · TCSP Register (accountants) · High-Value Transaction Register (jewellers)
• 📊REG-006 — Staff Training Register: tracks who was trained, when, topics covered, and assessment results
• 📊REG-007 — Breach Register: records any compliance failures and remediation steps taken

The law requires you to train all relevant staff before they start work and annually thereafter. These materials are ready to use — no additional preparation needed. All training content is sector-specific with scenarios and examples drawn from your industry.

• 🎓T5-001 — Staff Competency Quiz: 20 questions with sector-specific scenarios; 80% pass mark required; includes answer key
• 📝T5-002 — Staff Training Acknowledgement Form: signed form confirming each staff member completed training and understands their obligations
• 🔍T5-003 — Scenario-Based Case Studies: real-world money laundering scenarios specific to your sector, designed to build practical recognition skills
• 📢T5-004 — Training Presenter Guide: complete run-of-show for the Compliance Officer conducting the annual training session

These documents are designed to be handed to your clients. They explain what information you need from them, why you need it, and what their rights are — in plain, professional language that builds client confidence rather than creating friction. Each document meets all legal requirements while remaining easy to understand.

• ✉️T6-001 — Client CDD Explanation Letter: explains to your client why you need to verify their identity under the new laws — professionally worded to maintain trust
• 📋T6-002 — Client Onboarding / Identification Form: the form your client completes to provide their identity information
• 📋T6-003 — Beneficial Ownership Declaration: for clients who are companies, trusts, or other entities — confirms who ultimately owns or controls the organisation
• 🔒T6-004 — AML/CTF Privacy Notice: explains how you collect, use, and protect client information — complies with the Privacy Act 1988 (Cth)
• 📤T6-005 — Client Exit Letter Template: professionally worded template for ending a client relationship — carefully drafted to comply with the tipping-off prohibition