What's new.

Open Review on a screening match or a risk alert, compare the details, choose what you concluded and write why. AML Mate keeps that record and includes it in your audit pack. A match you clear as a false positive is not raised again unless the listed entry changes.

Ask the assistant what is overdue or coming up and it shows the list, with each item one click away. Ask when an SMR or TTR is due and it works the date out from the day you give it. Each answer now links its points to the AUSTRAC page they came from.

The SMR list now makes reports easier to find and review, with clearer deadlines, filters and pagination.

A new free calculator works out the day an SMR or TTR is due. It counts business days and skips the public holidays of your state. Report deadlines saved in AML Mate now follow the same rule.

Type rough notes into any section of your AML/CTF program and choose "Tidy up my notes". You get a finished version of what you wrote to review before it replaces anything, with a list of the points you have not covered yet. Names we hold on file are kept from the AI and put back in the result.

Each answer from the assistant on our website now ends with a button for the next step that fits your question, such as starting the free check or working out a report deadline. Ask about plans and you can pick your team size and client numbers to see which plan fits.

Answers from the assistant on our website now carry numbered sources. Each number opens the AUSTRAC page the answer relied on. The suggested questions also answer instantly.

The Reports overview now makes overdue records easier to spot, with clearer summaries, report actions and links to AUSTRAC Online tutorials. Your existing report forms and workflow stay the same.

We refined the homepage, Guides, sign-in, contact and key dashboard screens so the next action is easier to find and important information is easier to read.

The Compliance Plan now has clearer progress, save states, field guidance and official references. Its program fields and established workflow remain unchanged.

Six free AUSTRAC Online tutorials now walk you through account setup, enrolment, reports and what to do after lodging, with screenshots you can enlarge as you follow along. Open the task you need and see where to click next, with no AML Mate account required.

A guided enquiry, four steps at a time. Every client file now carries a source of funds and wealth enquiry: why you are asking, what the customer said the money came from, whether you verified it or documented and monitored it (with your reason), and your conclusion. One step on screen at a time, with a bar showing where you are. Save and come back keeps a part-finished enquiry on the file; before the first save, your answers live safely in your browser.

It knows when AUSTRAC gives you no choice. Tick what applies (a foreign politically exposed person, a PEP with a high-risk customer, relevance to a customer's high ML/TF risk, virtual asset cash exchanges) and the form works out whether the enquiry is required rather than a judgement call, tells you on the spot, and records the basis on the file, including AUSTRAC's must-not-provide rule where it actually applies.

Concluding is deliberate, and corrections leave a trail. Concluding "not established, but continuing" requires the three things AUSTRAC expects: whether you considered a suspicious matter report, why continuing is appropriate, and the measures managing the risk. A concluded enquiry is read-only; the only way to change it is to reopen it with a recorded reason, and the conclusion you set aside stays on the record.

One change to sign-off: completing CDD for a high ML/TF risk client now expects a concluded enquiry. Clients signed off before today are not affected.

It lands in your AUSTRAC audit pack as a readable report (PDF) and a filterable spreadsheet (CSV), with an optional source category (salary, business income, inheritance, gift and so on) so "show me every inheritance-based enquiry" is a filter, not a read-through.

Your earlier notes stay put. Free-text source of funds notes recorded before today remain on the client's EDD card, still yours to edit, and keep flowing into the audit pack. Nothing was moved or rewritten.

The audit pack is now a table. The AUSTRAC audit pack brings supporting records and individual downloads together. Each file has a descriptive label, so "Report (PDF)" and "Spreadsheet (CSV)" are no longer two identical icons. For current reporting requirements, deadlines and exceptions, use the reporting guides.

Where the files go, answered before you ask. Exporting a pack does not submit it to AUSTRAC. These are records you keep and provide when requested. Check which reports apply and lodge them through the relevant AUSTRAC channel. The download includes a cover page explaining its contents.

A rewritten AUSTRAC Online guide. The step-by-step guide follows the order you actually do things: set up your account and enrol once, lodge a report each time, then record the reference number back here. Every deadline, menu path and penalty in it has been checked against AUSTRAC's current guidance. Both pages now sit in their own AUSTRAC menu group in the sidebar.

Your records say where they went. Finishing a piece of compliance work now tells you it has landed in your audit pack, with a link to see it.

The audit pack now has its own page under Compliance, listing every file it contains before you download it.

The free check's steps have been redesigned, and the dashboard has a cleaner look.

Linking a client on a TTR now carries across their date of birth, ID and address, and the form flags an amount below the $10,000 threshold or one that disagrees with your description. Invoices now show our ABN and break out the GST, so $49 reads as $44.55 plus $4.45, with the price unchanged.

When you open a client's risk assessment, AML Mate can now suggest the money laundering and terrorism financing risk factors that may apply, each with a reason in plain English drawn from AUSTRAC guidance and, where it can be verified, a quote from the source. You accept or reject each factor, and a deterministic rules engine, not the AI, sets the official rating, so it stays reproducible and audit-ready. The review never sees the client's name, date of birth or ID number, and it tells you when a profile is too thin to rate rather than guessing.

Upload a company client's ASIC current extract and AML Mate reads the directors and shareholders out of it, calculates ownership percentages from the share register, and suggests beneficial owners with anyone at 25% or more preselected. You review and adjust every suggestion before anything is saved. The extract is parsed in memory only: never stored, never sent to any AI, and the import panel shows exactly which $10 ASIC product to buy.

Privacy Pack. The new Privacy Pack drafts four documents (privacy policy, collection notice, data breach plan and retention schedule), prefilled from your setup and built on OAIC guidance, ready to review with your adviser. Check which privacy obligations apply to your activities using the free privacy readiness check.

Training. Three optional elective modules: Tipping-Off, Privacy and Client Data Handling, and Red Flags in Practice. Your required program is unchanged, and completed staff keep their certificates. Certificates now state learning hours and pass mark, so training may be claimable as CPD, subject to your professional body's rules.

Cost calculator. Enter your client numbers and monthly identity checks and the new cost calculator estimates your annual AML Mate cost on each plan, including any per-check extras, and shows which plan fits.

Enter a client's ABN or ACN and AML Mate verifies it against the Australian Business Register, keeps the result on file as evidence, and re-checks it monthly, alerting you if the registration lapses. Included on all paid plans, no per-check fees. You'll also notice "Clients & KYC" is now "Clients & CDD": same page, clearer name.

• AI can now draft more sections of your program, and drafts format cleanly in the editor and in your exported PDF and Word documents.
• Before you export, the builder flags empty sections and unfilled placeholders for review. You still need to check that the program is complete and suitable for your practice.

• The in-app Send feedback form now opens centred over the page instead of being clipped inside the sidebar. The founder still reads every message.

• TTR drafting and alert triage now follow the same accuracy and disclaimer standards as SMR generation, so AI assistance is consistent across every report type.
• AI suggestions no longer state facts that are not in your data, and each output carries a clear reminder that your risk level is set by the deterministic engine, not the AI.