About
About AML Mate
AML Mate turns AUSTRAC's anti-money-laundering guidance into a compliance program a small Australian firm can actually produce and maintain. It is built for the professions brought into the AML/CTF regime by the Tranche 2 reforms, which commenced on 1 July 2026.
What AML Mate does
AUSTRAC publishes over a hundred pages of guidance and a set of starter kits, and says plainly that a business can do this itself. Most small firms have never had a compliance officer, so the work stalls at the blank page. AML Mate is the guided path through it:
- Generates an AML/CTF program covering Parts A-F from AUSTRAC's own starter-kit templates, tailored by a guided questionnaire.
- Runs a money-laundering and terrorism-financing risk assessment with deterministic scoring, so the same inputs always produce the same rating.
- Manages customer due diligence: identity verification, entity verification against the Australian Business Register, beneficial owners, and sanctions and PEP screening.
- Re-screens existing clients on a risk-based schedule and raises an alert when a client's status changes.
- Produces the statutory reports — suspicious matter reports and threshold transaction reports — and an audit-ready export pack.
- Tracks the obligations that recur: staff training, compliance calendar dates, and reviews.
Who it is for
Australian businesses that provide a designated service under the AML/CTF Act. In practice that means four professions, each with its own guide:
Accountants, tax agents and BAS agents
Captured when providing designated services such as company formation, trust services, or managing client money.
Lawyers, solicitors and conveyancers
Captured for services including conveyancing, company and trust formation, and holding client funds.
Real estate agents
Captured for brokering the sale, purchase or transfer of real estate.
Jewellers and precious metals dealers
Captured above the cash threshold for dealings in precious metals and stones.
Not sure whether any of this applies to you? Run the free check — no signup, and it tells you which of your services are captured.
What AML Mate is not
It is an information tool built on AUSTRAC public guidance, not legal or compliance advice, and it does not lodge anything with AUSTRAC on your behalf. We recommend a licensed compliance professional review your AML/CTF program before you rely on it. The full position is in the disclaimer.
Who operates it
AML Mate is a product of Noventis Tech Pty Ltd (ABN 52 699 803 604), an Australian company. Customer and client data is stored in Australia; how it is protected and how long it is kept is set out on the security page and in the privacy policy.
Questions, or want to talk to a person? Contact us.
Where to go next
Building software? Developer and AI agent resources are published separately.