What is Tranche 2 and does it apply to my business?

Tranche 2 extends Australia's AML/CTF regime to "designated non-financial businesses and professions" (DNFBPs) — including real estate agents, lawyers, accountants and conveyancers. If you provide any designated service, you must comply by 1 July 2026.

What happens if I don't comply by the deadline?

AUSTRAC can impose civil penalties of up to $25.2 million per contravention for companies. Directors can face personal liability. Beyond penalties, non-compliance creates reputational risk and potential loss of professional registration.

How long does it take to set up my AML/CTF program?

With ComplyReady, most businesses can generate a compliant AML/CTF program in under 30 minutes. Answer an 8-step guided form about your business, and ComplyReady assembles your tailored program document, risk assessment and policies from AUSTRAC-aligned templates.

Is ComplyReady recognised by AUSTRAC?

ComplyReady generates programs aligned with AUSTRAC's published guidance and the AML/CTF Act requirements. While AUSTRAC does not endorse specific software providers, our outputs are designed to meet every legislative obligation.

Can I use ComplyReady for multiple offices or branches?

Yes. Our Enterprise plan supports multi-branch management with centralised oversight, per-branch risk assessments, and consolidated reporting across your entire network.

What training do my staff need?

All staff involved in providing designated services must receive AML/CTF training at onboarding and annually thereafter. ComplyReady includes role-based training modules, completion tracking and downloadable certificates for audit purposes.

Built for Australia's Tranche 2 reforms

Get AML/CTF Compliant Before July 2026

The all-in-one compliance platform for real estate agents, lawyers, accountants and conveyancers. Build your entire AML/CTF program in minutes.

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CDD Records5 Pending

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0+ businesses preparing for July 2026

Real Estate

Legal

Consulting

Law Firms

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“We went from zero AML program to fully compliant in under a week. The guided wizard made it effortless.”

Sarah Chen

Principal · Real Estate

“The ongoing monitoring and automated training tracking saves us hours every month. Worth every cent.”

Michael Torres

Managing Partner · Law Firm

“As an accountant, compliance felt overwhelming. ComplyReady broke it into simple, manageable steps.”

Priya Sharma

Director · Accounting

Built for Tranche 2 businesses

The AML/CTF Act now covers professional services. We make compliance simple for every regulated industry.

Real Estate Agents

Property transactions, trust accounts and beneficial ownership — all covered.

Accountants

Tax structuring, company formation and financial advice services compliance.

Lawyers

Trust accounts, conveyancing and business structuring under the new regime.

Conveyancers

Property transfers, settlement services and identity verification requirements.

Jewellers & Precious Metal Dealers

Dealers in precious metals, stones and high-value goods captured by the new regime.

Trust & Company Service Providers

Company and trust formation, nominee roles and registered-office services.

How It Works

Three simple steps to full AML/CTF compliance

Sign Up

Create your account in 30 seconds and choose the plan that fits your firm.

Build Your Program

Answer a guided 8-step form about your business. ComplyReady assembles your complete AML/CTF program, risk assessment and policies from AUSTRAC-aligned templates, ready to download.

Stay Compliant

Ongoing monitoring, staff training tracking, CDD records and suspicious matter reporting — all automated and audit-ready.

See the full process, step by step →

Everything you need, built in

Six powerful modules that turn months of compliance work into minutes.

Program Builder

Complete a guided 8-step form and get your AML/CTF program document, tailored to your industry, services and risk profile.

AUSTRAC-aligned and audit-ready output
Tailored to your industry and services
Generates policies, procedures and controls
Update and version-control your program

Build Your Program

Program Builder

Risk Assessment

Staff Training

CDD Records

SMR Register

AI Assistant

AI that speaks compliance

Our AI assistant is trained on Australian AML/CTF legislation, AUSTRAC guidance and industry-specific rules. Get instant, accurate answers — no more trawling through 300-page documents.

Trained on the full AML/CTF Act & Rules
Industry-specific guidance for your sector
Draft SMR narratives and risk assessments
Always up to date with regulatory changes

Try ComplyReady AI

ComplyReady AI

Do I need to verify a buyer’s source of funds for a property over $5M?

Yes. Under the enhanced CDD requirements in the amended AML/CTF Act, for high-value property transactions (generally $5M+), you must take reasonable steps to verify the source of funds, including bank statements, loan approvals or statutory declarations.

Can you draft the CDD checklist for this?

Of course. I’ve generated a 12-point enhanced CDD checklist for high-value property transactions, including source of funds, beneficial ownership and PEP screening steps. Shall I add it to your program?

Simple, transparent pricing

No lock-in contracts. Cancel anytime.

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Starter

Solo practitioners & small offices

$0/moSave 10%

Intro price — ends 1 October 2026

Billed annually

AML/CTF program generator
Risk assessment tool
Up to 50 CDD records
Basic training module
Email support

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Professional

Growing firms & multi-staff offices

$0/moSave 10%

Billed annually

Everything in Starter
Unlimited CDD records
SMR register & workflow
AI compliance assistant
Staff training with certificates
Priority support

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Enterprise

Multi-branch & franchise networks

Custom

Tailored to your organisation

Everything in Professional
Multi-branch management
API access & integrations
Dedicated account manager
Custom training content
SLA & onboarding support

Contact Sales

Frequently asked questions

Everything you need to know about AML/CTF compliance and ComplyReady.

Join 200+ Australian businesses

Get AML/CTF compliant today

Create your account in 60 seconds. Build your compliance program, complete your risk assessment, and train your team — all before the deadline.

Set up your AML/CTF program in minutes
AUSTRAC-aligned risk assessment included
Staff compliance training included
No lock-in contract — cancel anytime

Get Started

Cancel anytime

AI that speaks compliance

Our AI assistant is trained on Australian AML/CTF legislation, AUSTRAC guidance and industry-specific rules. Get instant, accurate answers — no more trawling through 300-page documents.

Trained on the full AML/CTF Act & Rules

Industry-specific guidance for your sector

Draft SMR narratives and risk assessments

Always up to date with regulatory changes

Try ComplyReady AI

Frequently asked questions

Everything you need to know about AML/CTF compliance and ComplyReady.