This is the final part of our walkthrough series. We've covered business setup, the program editor, client management, and AUSTRAC reporting. Now let's close the loop with the two things that tie everything together: staff training and audit-ready exports.
AUSTRAC requires every reporting entity to train their staff on AML/CTF obligations. And when it's time for an audit or compliance review, you need to produce documentation that proves you've been doing the right things. AML Mate handles both.
Staff Training: 5 Modules, Built In
AML Mate includes a complete training program with five modules covering everything AUSTRAC expects your staff to know:
| Module | Duration | What It Covers |
|---|---|---|
| AML/CTF Fundamentals | 20 min | Money laundering, terrorism financing, proliferation financing, the AML/CTF Act, reporting entity obligations |
| CDD Procedures | 20 min | Customer identification, electronic identity verification, ongoing monitoring requirements |
| Risk Assessment | 15 min | Risk-based approach, customer and product risk factors, PEPs, high-risk jurisdictions |
| Suspicious Matters | 20 min | Red flags by industry, SMR reporting timeframes (24hrs for TF, 3 days for others), tipping off penalties |
| Record Keeping | 15 min | 7-year retention requirements, document types, centralised record systems |
Total training time: approximately 90 minutes per employee.
How It Works for Admins
From the training dashboard, you can:
Add employees — enter their name and email. They don't need an AML Mate account.
Send training invitations — one click generates a secure, 30-day expiring link sent to the employee's email. They can complete training at their own pace within that window.
Track progress — each employee shows a clear status: not started, in progress, or completed. You can see which specific modules they've finished, their quiz scores, and when they're due for annual recertification.
Download certificates — when an employee completes all five modules, a training certificate is available for download. This is your evidence for AUSTRAC that training has been delivered.
Remove employees — if someone leaves the business, remove them from the training roster. Their historical records are preserved for audit purposes.
How It Works for Employees
When an employee clicks their training link, they land on a dedicated training portal — no login required, no app to install.
The portal shows all five modules as expandable cards. Each module contains structured content sections that explain the concepts clearly, with Australian-specific examples and AUSTRAC references.
At the end of each module: a 5-question multiple-choice quiz.
- Pass mark: 80% (4 out of 5 correct)
- Immediate feedback on submission — pass or fail, with explanations for each answer
- Employees can retake quizzes — only the highest score counts
- Progress bar shows overall completion (e.g., "3 of 5 modules complete")
Once all five modules are passed, the employee can download their own certificate directly from the portal.
Annual Recertification
AUSTRAC expects ongoing training, not just a one-time tick. AML Mate tracks completion dates and flags when employees are due for annual recertification. You'll see this in the training dashboard — no need to maintain a separate calendar or spreadsheet.
The Audit-Ready Export Pack
This is where everything comes together.
When AUSTRAC conducts a compliance assessment, or when your auditor asks for documentation, you need to produce a comprehensive set of records. Pulling these together manually — across spreadsheets, email folders, and filing cabinets — can take days.
AML Mate's Audit Pack Export generates everything in a single ZIP file, with one click.
What's in the ZIP
| Document | Format | What It Contains |
|---|---|---|
| AML/CTF Compliance Program | Your complete Parts A–F program, professionally formatted | |
| Client Records | CSV | All clients with risk levels, CDD status, screening dates, review dates |
| Suspicious Matter Reports | Individual SMR documents with full details | |
| Threshold Transaction Reports | Individual TTR documents with transaction details | |
| Annual Compliance Reports | Year-end summaries of compliance activity | |
| Training Records | CSV | Employee names, completion status, quiz scores, dates, next due dates |
| Audit Log | CSV | Every action taken in the system — timestamped, with user attribution |
| Metadata | JSON | Export details, document counts, generation timestamp |
The audit log deserves special mention. Every action in AML Mate is logged: client additions, risk assessments, sanctions screenings, report filings, document uploads, training completions. Each entry includes who did it and when. This is your evidence of a functioning compliance program — not just documents that exist, but proof that they're being used.
Why This Matters
AUSTRAC doesn't just want to see that you have an AML/CTF program. They want to see that you're operating it. The audit pack demonstrates:
- Written program — your Parts A–F document exists and is current
- Customer due diligence — you're identifying and verifying clients, with screening records
- Reporting — suspicious matters and threshold transactions are being filed
- Training — your staff know their obligations, with quiz scores to prove it
- Record keeping — everything is documented with timestamps and attribution
This is the difference between "we have a program" and "here's the evidence that we're running it." The audit pack provides the latter.
The Complete Picture
Let's step back and look at what we've covered across all five parts of this series:
| Part | What You Get | Time Required |
|---|---|---|
| Part 1 | Business setup, risk assessment, dashboard | ~5 minutes |
| Part 2 | AML/CTF Program Parts A–F, AI generation, PDF/Word export | ~30 minutes |
| Part 3 | Client management, CDD, PEP/sanctions screening | Ongoing |
| Part 4 | SMR and TTR reporting with AI assistance | As needed |
| Part 5 (this post) | Staff training (90 min per employee), audit pack export | ~2 hours total |
From zero to a fully operational AML/CTF compliance program — with trained staff and audit-ready documentation — in an afternoon. Not weeks. Not months. Not $10,000 in consultant fees.
73 Days Until the Deadline
The 1 July 2026 deadline isn't moving. AUSTRAC has been clear: they expect reporting entities to have programs in place from day one. They've also said they don't expect perfection — but they do expect genuine effort to comply.
AML Mate gives you the tools to demonstrate that effort. A written program. Trained staff. Screened clients. Filed reports. Complete records. All in one platform, all exportable, all audit-ready.
The transitional rules give you some grace periods for existing client CDD and compliance officer notifications. But the core obligation — having an AML/CTF program — starts on 1 July 2026. There's no grace period for that.
This concludes our "Inside AML Mate" walkthrough series. Read the full series:
- Part 1: Business setup and risk assessment
- Part 2: AML/CTF Program editor
- Part 3: Client management and sanctions screening
- Part 4: SMR and TTR reporting
- Part 5: Staff training and audit exports (this post)
Ready to get compliant? Start your 14-day free trial — no credit card required. Or run a free compliance check to see what your obligations look like for your business.