AML/CTF compliance software for Australian accountants and lawyers.
From 1 July 2026, accounting and legal practices that provide certain services must comply with Australia's AML/CTF laws. ClientCheck is built around AUSTRAC's own Accounting Program Starter Kit — so your program is right from day one.
What AUSTRAC requires
Here's what your practice must have in place.
AUSTRAC has published what they expect. Here it is in plain English — no jargon, no consultant fees required to understand it.
Know your client
Before providing a designated service, you must collect and verify each client's identity, identify who you're actually dealing with (including beneficial owners), assess their risk level, and screen them against PEP and sanctions watchlists.
ClientCheck: ClientCheck walks your staff through every step — identity collection, beneficial ownership, risk rating, and automated DFAT sanctions screening.
Report suspicious matters
When a transaction or relationship raises concerns — unusual patterns, inconsistent information, or behaviour that may be linked to money laundering or terrorism financing — you have a legal obligation to report it to AUSTRAC within strict timeframes.
ClientCheck: ClientCheck guides your AMLCO through drafting and submitting suspicious matter reports, with reporting deadlines tracked automatically.
Report large cash transactions
Any physical cash transaction of $10,000 or more must be reported to AUSTRAC within 10 business days — no exceptions, no minimum threshold below $10,000.
ClientCheck: ClientCheck flags threshold transactions, generates the report, and tracks the 10-business-day deadline so nothing slips through.
Maintain your AML/CTF program
Your practice must maintain a written AML/CTF program — covering your risk assessment, policies, controls, staff training, and annual compliance review — consistent with AUSTRAC's Accounting Program Starter Kit.
ClientCheck: ClientCheck generates your compliant program from a short questionnaire. Risk assessment, policy document, and process document all included. No blank pages.
How it works
Set up in an afternoon. Run it every day.
Answer questions about your practice
Work through a plain-English questionnaire about your practice — size, client types, services provided. ClientCheck uses your answers to generate your risk assessment, policy document, and process document, consistent with AUSTRAC's own Accounting Program Starter Kit. Takes around two hours.
Run every new client through CDD
When a new client comes in, your staff open a CDD workflow. ClientCheck guides them through identity verification, risk rating, PEP screening, and DFAT sanctions checks — and flags anything that needs your compliance officer's attention before the client relationship proceeds.
Records and reports look after themselves
Every compliance action is logged automatically. Your annual compliance report is pre-filled from the year's activity. If AUSTRAC ever requests evidence, everything is there — timestamped, structured, and in order.
The software
See exactly what you and your staff will use.
No blank forms. No jargon. Every screen is built for an accountant or lawyer — not a dedicated compliance team.
Step-by-step CDD for every client, every time.
Staff open a guided workflow for each new client. ClientCheck takes them through identity collection, verification, beneficial ownership, risk rating, and DFAT sanctions screening — in the right order, so nothing gets missed.
- Identity verified against government-issued ID
- Automated DFAT sanctions screening on every client
- Risk rating logged with supporting notes
- Full audit trail on every decision
New CDD
Client due diligence
Client name
Sarah Mitchell
Date of birth
12 March 1978
Identity document
Passport · PA1234567
Screening results
PEP check
ClearDFAT sanctions
ClearRisk rating
MediumAll your clients. Risk levels at a glance.
Your client register shows every client relationship — CDD status, risk rating, last review date, and any follow-up needed. Searchable and filterable across your full client book.
- Search and filter across all clients instantly
- Risk ratings and CDD status visible at a glance
- Flagged alerts when CDD is due for review
- Bulk actions for high-volume periods
| Client | Risk | Status |
|---|---|---|
| Mitchell, Sarah | Medium | Active |
| Chen, Michael | Low | Active |
| Thompson, Robert | High | Review |
| Patel, Anita | Low | Active |
| Nakamura, Yuki | Medium | Active |
Track who's been trained and when.
AUSTRAC requires you to maintain evidence that staff who handle designated services are trained in AML/CTF — and that you keep that training current. ClientCheck logs every training record, shows completion status across your team, and flags staff who are due for a refresh.
- Training modules built around AUSTRAC requirements
- Completion tracked per staff member automatically
- Due-date alerts before training lapses
- Exported evidence for audits and inspections
Staff training
Training register
Sarah Mitchell
AML/CTF Foundations
Complete
Due 08 Jan 2027
James Okafor
AML/CTF Foundations
Complete
Due 08 Jan 2027
Priya Singh
CDD & Beneficial Ownership
Complete
Due 15 Feb 2027
Tom Whitfield
AML/CTF Foundations
Overdue
Not completed
Lena Bauer
SMR & Reporting Obligations
Complete
Due 02 Mar 2027
Tom Whitfield — training overdue
Your annual compliance report, pre-filled.
Every year, your AMLCO must complete an independent review of your AML/CTF program. ClientCheck pre-fills your annual report from the year's activity — CDD metrics, training completion, SMRs lodged, program changes — so the annual review is a check, not a research project.
- Pre-filled from your year of recorded activity
- Covers all AUSTRAC annual review requirements
- Sign-off workflow for your AMLCO
- Stored and retained for 7 years
Annual review
2025–26 Compliance report
43
CDD completed
2
SMRs lodged
4/5
Staff trained
Risk assessment reviewed
CDD procedures reviewed
Staff training reviewed
Program changes documented
AMLCO sign-off
Compare your options
Three ways to handle Tranche 2. One clear choice.
Here's the honest comparison between building your compliance program with ClientCheck, doing it yourself, and hiring a consultant.
| ClientCheck | Do it yourself | Hire a consultant | |
|---|---|---|---|
| Setup cost | Free | Your time | $5,000 – $15,000 |
| Monthly cost | From $49/mo | Free | $500 – $2,000/yr |
| Time to comply | ~2 hours | 4–8 weeks | 4–8 weeks |
| AUSTRAC Starter Kit | Built in | Find it yourself | Varies by firm |
| CDD workflow | Step-by-step | Manual checklists | You build it |
| SMR / TTR drafting | Guided workflow | Write it yourself | Billed hourly |
| Sanctions screening | Automated | Manual lookups | Often excluded |
| Audit-ready records | Automatic | DIY filing | Paper-based |
| Staff training tracking | Built in | Manual | Not included |
| Annual compliance report | Wizard-guided | Research yourself | Extra cost |
| Start free trial → |
Why trust ClientCheck
Built for compliance. Consistent with AUSTRAC's own framework.
Consistent with AUSTRAC's framework
Our program generator follows the structure AUSTRAC publishes in their Accounting Program Starter Kit — not a generic template adapted from banking software.
Designed for accounting practices
Built specifically for accountants and lawyers captured by Tranche 2. Not a real estate tool, not a banking platform — built for your practice.
Australian data storage
Your compliance records are stored in Australia. Client data never leaves the country.
Built with compliance professionals
Designed and tested with practising AML/CTF compliance professionals who reviewed the workflows, risk rating logic, and program structure.
A tool, not advice
ClientCheck is a compliance workflow tool. You make the decisions. We help you document them correctly and keep your records audit-ready.
Records kept for 7 years
Every compliance action is logged automatically and stored for the legally required 7-year retention period from the end of each client relationship.
Pricing
Simple, transparent pricing.
Solo practices from $49/month. 14-day free trial. No lock-in contracts.
Solo
$49/mo
One-person practice
Practice
$99/mo
Up to 15 staff
Common questions
What you'd want to know.
Is my accounting or legal practice captured by Tranche 2 AML/CTF laws?
If your accounting or legal practice provides designated services — such as forming companies, acting as a trustee or company director, managing client money, or assisting with property transactions — you are likely captured by Tranche 2. Obligations commence 1 July 2026. AUSTRAC has published the full list of designated services for accounting and legal practices.
When do AML/CTF obligations start for accountants and lawyers in Australia?
AML/CTF obligations for accounting and legal practices under Tranche 2 commence on 1 July 2026. AUSTRAC enrolment must be completed by 29 July 2026 — 28 days after obligations begin. The enrolment portal is already open.
What must be in an accounting practice's AML/CTF program?
An AML/CTF program must include a risk assessment, a policy document, a procedures document for staff, a staff training program, and an annual compliance review process. It should be consistent with AUSTRAC's own Accounting Program Starter Kit. ClientCheck generates all required program documents from a guided questionnaire.
Is ClientCheck legally sufficient for AUSTRAC compliance?
ClientCheck is a compliance workflow tool — not legal advice. It is built around AUSTRAC's own Accounting Program Starter Kit and generates the documents, records, and processes AUSTRAC requires. For advice specific to your practice, consult an AML/CTF specialist.
What if I miss the 1 July 2026 AML/CTF deadline?
From 1 July 2026, obligations apply regardless of whether your enrolment is complete. AUSTRAC can issue significant civil penalties for non-compliance. AUSTRAC enrolment must be completed by 29 July 2026. Start your AML/CTF program before the deadline — not after.
How long does AML/CTF compliance setup take with ClientCheck?
Most practices complete their initial AML/CTF program setup in two to three hours. The questionnaire covers your risk assessment, policies, and procedures — program documents are generated automatically. CDD workflows are live immediately. No blank pages, no consultant required.
Can I export my compliance data if I leave ClientCheck?
Yes. Your compliance records are fully exportable at any time. Under AML/CTF law you must retain records for 7 years from the end of each client relationship — so we ensure your data is always yours to keep, regardless of your subscription status.
Get compliant before 1 July 2026.
Start your 14-day free trial today. No credit card required.
Set up your AML/CTF program in an afternoon.
14-day free trial · No credit card · Australian data