AUSTRAC Tranche 2 · obligations live since 1 Jul 2026
Turn AUSTRAC Tranche 2 Compliance Into a 60-Second Routine.
The context-driven AML engine built specifically for Australian Real Estate Agents, Conveyancers, and Accountants. eAML automates AUSTRAC's own Tranche 2 guideline end to end — case management that mirrors AUSTRAC's process stage by stage.
The Tranche 2 reality
You're Not a Bank. So Why Does AUSTRAC Expect You to Watch Money Like One?
Since 1 July 2026, a single overlooked nominee swap or a structured deposit is enough to put your firm in AUSTRAC's sights — real penalties, not a formality. But you don't run a compliance desk. You run a small firm: manual files, tight deadlines, and clients who won't wait for a financial-crime review.
- No institutional data feed, no financial-crime analysts on staff
- Patterns across files are invisible without something actually watching for them
- The obligation is already in force, whether or not the workflow exists yet
The promise
eAML closes that visibility gap — running real detection logic on the data you already collect in every case, without changing how your team actually works day to day.
How it works
Case management built stage-for-stage from AUSTRAC's own guideline
Not a generic workflow with AUSTRAC's name attached to it — every stage below mirrors AUSTRAC's own program starter kits, in the order a compliance officer actually works a file.
Open a case
One case per transaction or client relationship — every party tracked as a first-class record, not a spreadsheet row.
Verify identity & business
Sight a photo ID or upload an ASIC extract — parsed and cross-checked automatically, officer by officer.
Trace beneficial ownership
Multi-layer ownership computed automatically, the same way AUSTRAC's own guidance works the maths.
Screen for risk
Sanctions, PEP and adverse-media screening against a rule engine encoding AUSTRAC's actual obligations.
Tier & approve
A compliance officer sets the risk tier; a senior officer signs off before the case can close.
Retain for 7 years
Every check, document and override timestamped to the regulator's own retention standard, automatically.
What's offered
Everything your compliance program needs
Case & party management
Every buyer, seller, director and beneficial owner tracked as a first-class record across the life of the case.
KYC/KYB, incl. ASIC verification
Upload a Current Company Extract and every director and secretary is parsed straight off the document.
Beneficial ownership tracing
Multi-layer ownership computed automatically — 50% × 60% resolves to a 30% effective stake the same way AUSTRAC's own worked example does the maths.
Sanctions, PEP & adverse media
Screening wired through a rule engine that encodes AUSTRAC's obligations as configurable, versioned rules.
Risk tiering & senior approval
A dedicated, role-gated approval step — only a senior manager login can sign a case off.
CRM integration
A provider-neutral connector keeps compliance cases in sync with your own system of record.
Built for all five
One engine, tuned to how each Tranche 2 business actually works
Every domain runs its own AUSTRAC-sourced risk factors and detection rules on the same platform — pick yours below.
Trust accounts & sales contracts
Trust Account Compliance, Down to a 60-Second Check.
Real-time transaction-pattern detection built into your trust account workflow — before your agency executes a Contract of Sale.
You're built to list and sell property, not act as a financial detective. Under Tranche 2, your trust account is a regulated environment: a buyer splitting a deposit into smaller amounts, or pulling out and demanding a same-day refund, is exactly the pattern AUSTRAC expects your agency to catch.
Deposit velocity tracking
A buyer's deposits are linked automatically across a rolling 7-day window — if the total lands inside AUSTRAC's reporting-avoidance band, the file is flagged before anyone has to notice by hand.
Deposit refund tracking
Every refund is linked straight back to its original deposit and reflected in the case's running total automatically — a clear paper trail the moment cooling-off funds move.
Pre-exclusivity onboarding
Full CDD locks in the moment a contract is exchanged — protecting your commission ledger automatically, not as an afterthought before settlement.
PEXA & settlement files
Settlement Compliance, Built Into the Workflow.
Automated pattern monitoring on every property file, from contract exchange straight through to the PEXA workspace.
You don't have visibility into a buyer's external banking history, yet you carry the legal burden of settling the property. Money launderers count on settlement files being worked in silos — a nominee swap or a title that's changed hands one too many times shouldn't be invisible just because it happened on a different file.
Nominee & party-substitution tracking
Every change of purchasing entity is captured with a full history — who was on the file, when they were replaced, and by whom, never a silently overwritten record.
Cross-file property matching
The same property surfacing across separate, unrelated files in your own practice is flagged automatically — even when the address is typed differently every time.
Funding-source consistency checks
Bank details behind incoming settlement funds are compared against every other file in your practice — the same account quietly funding two unrelated deals doesn't go unnoticed.
UBO & entity-setup portfolios
Institutional-Grade Structure Checks, Made Simple.
The engine built for accountants to audit entity structures and beneficial ownership across a whole client portfolio, not just one file at a time.
High-net-worth tax planning and corporate structuring are exactly what regulatory scrutiny targets. A boutique practice can't manually cross-reference every new incorporation against every other client relationship it already holds — that's a portfolio-wide question, not a per-file one.
Shared-director detection
The moment a new client's director or secretary also appears on an ASIC extract you've already processed for someone else, both files are flagged for review — automatically, across your whole practice.
Beneficial ownership, computed automatically
Multi-layer ownership resolved the same way AUSTRAC's own worked example does the maths — a 50% × 60% chain becomes a 30% effective stake without a spreadsheet.
Cross-client network visibility
See when a new client shares a director, a funding account, or a registered address with an existing client — inside your own practice's cases, never a black-box match against anyone else's data.
Trust, company & property work
Trust and Company Work, Without the Blind Spots.
The same detection engine tracing beneficial ownership and screening every party, built for legal practice files rather than bolted on afterward.
Trust, company and property matters sit exactly where AUSTRAC's reform is aimed, but a matter opened in isolation has no way of knowing what the rest of your practice already knows about a client, an entity, or the people behind it.
Beneficial ownership tracing
Multi-layer trust and company structures computed automatically, the same engine every other domain on the platform runs on.
Sanctions, PEP & adverse media screening
Every party on the matter screened through a rule engine encoding AUSTRAC's obligations, not a checklist someone has to remember to run.
Cross-matter entity matching
The same client, director or property surfacing on another matter at your firm is flagged automatically — visibility a matter opened in isolation would never have on its own.
Cash sales & structuring
Turn a Cash Sale Into an Automatic Compliance Check.
Threshold-triggered due diligence that switches on the moment a sale crosses AUSTRAC's reporting line — no one has to remember to watch for it.
As a designated cash dealer, you carry a hard, real-time reporting obligation at $10,000 — but a retail counter isn't set up to run structuring detection on register sales, especially ones split across a few visits.
Automatic CDD at the reporting line
The moment a customer's linked purchases reach AUSTRAC's $10,000 threshold, full identity and source-of-funds questions trigger automatically — no one has to remember to ask.
Split-sale structuring detection
Purchases made across separate visits within days of each other are linked and totalled automatically, so a deliberate split doesn't slip through as several small, unrelated sales.
Sanctions & PEP screening
Every customer who crosses the threshold is screened automatically — the same engine running behind every other domain on the platform.
Pricing
Pay for the platform, or hand us the case entirely
Platform plans are sized to how many cases you open, and recover a modest margin on the checks you're legally required to run anyway.
10 Case Plan
Up to 10 cases a month. No onboarding fee, ever.
- Also 20 Case ($50/mo) and Unlimited ($200/mo)
- Checks billed to your wallet, at cost
- ASIC verification — $0 markup
Managed Compliance
We run the whole case for you — CDD, screening, document review.
- Or $119/case for trust/company cases
- 46%+ below market managed rates
Professional
For franchise groups running eAML under their own name.
- Your own domain and infrastructure
- Priced by network size
- No per-check markup, ever
Not ready to run it yourself?
Our AML specialists run the case. You approve it.
A meaningful share of small businesses facing this reform aren't shopping for software — they want the problem to disappear. Managed Compliance puts a dedicated AML specialist on every case: CDD, screening, document review and SMR drafting, handled end to end on the same system. Your AML Officer and Senior Officer don't do the casework — they review a completed, evidence-backed file and approve it.
Managed Individual
Per individual case
Managed Trust/Co
Per trust or company case
Every check cost is already included. Both undercut the market's existing $650–$2,500/month managed-compliance rate by 46% or more.
Common questions
Before you get started
Is eAML actually free, or is that a trial?
Platform plans start at $30/month for up to 10 cases, no trial cap and no onboarding fee, for as long as you use it. The only per-use charges are the identity and company verification checks you're legally required to run — billed to you from a prepaid wallet, at cost, never charged to the client being screened.
What if I already have a paper-based process?
AUSTRAC explicitly permits a manual, paper-based AML/CTF program — eAML doesn't replace that legal option, it just removes the reason to keep doing it by hand: the same case management, CDD and screening, for a lower cost than the paper trail takes in your own time.
Which industries does this actually cover?
Real estate, accounting, legal profession, conveyancing and jewellers — all five Tranche 2 domains, each with its own AUSTRAC-sourced risk factors and compliance-form catalogue, live today.
Who's behind eAML?
eAML is built by Janusoft Pty Ltd. See the About page for more.
Set up your AML/CTF program today
Free to start, live in minutes, built for the reform that's already in force.