The product
Full Tranche 2 compliance. Built to feel effortless.
Institutional-grade detection and case management underneath — a workflow simple enough that no one on your team needs to be a compliance specialist to run it.
Foundation
Case & party management
Every case — a property transaction, a client engagement, a regulated sale — tracks every party as a first-class record: vendors, buyers, directors, beneficial owners, trustees, representatives. Nothing lives in a spreadsheet, and nothing about a party's history gets overwritten when their role or ownership changes.
A dedicated stage-by-stage progress view shows exactly what's complete, in progress, or not started, for every party on the case — the same structure AUSTRAC's own program starter kits describe, mapped onto where each step actually lives in the software.
When a case needs something from the client directly — the standard onboarding questions, an ID verification link — the platform works out exactly what's required and prepares it automatically: the right questions, a secure link, plain-language email copy already written. No one has to know AUSTRAC's exact question set or draft an explanation from scratch. Review it, send it, and the client completes it themselves — the answers come straight back into the case.
A typo, caught automatically
| Field | On file | From ASIC |
|---|---|---|
| Name | ASIC Compnay Pty Ltd | ASIC Company Pty Ltd |
| ACN | 000 000 123 | 000 000 123 |
| Company type | Proprietary | Proprietary |
Upload a Current Company Extract and every field is compared automatically — a mismatched name is flagged in seconds, not discovered at settlement.
Identity & business verification
KYC/KYB, including a real ASIC verification pipeline
Individuals verify the way AUSTRAC's own guidance describes: one primary photo ID, or two non-photo documents plus a referee statement — sighted and checked against what the person already gave you.
However your client can actually get it done, it counts: your own staff sighting the original document in person or by video, an automated check that captures the document plus a live selfie and liveness check, a hosted verification link your client completes themselves with the outcome reviewed by our team, or formal reliance on another reporting entity's already-completed check. Four AUSTRAC-recognised paths to the same outcome — pick whichever fits the client in front of you, not one rigid workflow for everyone.
For companies, upload the free ASIC Company Summary or the $10 Current Company Extract and the platform parses it, cross-checks name, ACN, ABN and company type against what's on file, extracts every director and secretary listed, and lets you create a trackable KYC record for each one in a single click — straight from the document, not typed in by hand.
The hard part, done automatically
Beneficial ownership, computed through every layer
AUSTRAC's own guidance gives a worked example: multiply ownership percentages through each layer, and add them up if the same person shows up in more than one path. eAML runs that calculation live, every time.
Unlimited depth
Owner-of-owner traced arbitrarily deep, lazily expanded, the same way a compliance officer would work through the structure by hand.
Effective %, not just direct
Multiplies through every layer and sums repeated paths — the exact rule AUSTRAC's own worked example follows, computed instead of estimated.
Flags the 25% line
Anyone who crosses beneficial-ownership threshold gets a clear visual cue for an officer to act on — never a silent auto-decision.
Beyond the checklist
Pattern detection, running quietly behind every case
CDD confirms who someone says they are. This is what catches what a form can't ask — covering every angle a real typology actually hides in: timing, whether the numbers make economic sense, the numbers themselves, and who else is connected.
Linked-transaction detection
Payments from the same party close together in time are linked automatically, and checked against AUSTRAC's own reporting thresholds as a group — not one payment at a time, which is exactly how a deliberate split is designed to look innocent.
Economic plausibility checks
The agreed price is compared against the agency's own appraisal, and against what a buyer's declared income can actually support — a deal that doesn't add up financially is flagged the moment it's entered, not discovered after settlement.
Nominee & party-substitution history
When a buyer, director or entity on a case gets replaced, the old record isn't overwritten — it's kept and linked, so who was on the file and when they changed is always a real, queryable history.
Cross-case matching, inside your own practice
A shared identity, director, funding account or property address surfacing on more than one of your firm's cases is flagged automatically — scoped strictly to your own organisation, never a cross-firm or cross-tenant lookup.
Screening
Sanctions, PEP and adverse media — on a rule engine, not hard-coded logic
Every case is screened against Australia's own DFAT Consolidated List and broader international sanctions, PEP and adverse-media databases — two independent sources checked separately, not one feed standing in for both. The rules that decide when a check fires, what it means, and what happens next are configurable and versioned — not buried in application code — so the system's actual obligations trace back to a specific, auditable rule, every time.
Politically exposed persons follow AUSTRAC's own two-stage process: a plain self-declaration first, then a compliance officer's own research confirms whether it's domestic, foreign, or linked to an international organisation — because a foreign PEP finding is never left to discretion, it's an automatic escalation to high risk.
Country risk
Checked against the FATF black and grey lists — a distinct, live check, not just a form answer.
Adverse media
Weighted for relevance — a spent conviction or a minor offence doesn't carry the same weight as a profit-generating crime.
Escalate on doubt
Borderline cases route to a senior officer rather than being silently cleared.
Governance
Risk tiering and a senior approval that actually gates the case
A compliance officer sets the final risk tier in writing, against the specific factors the case raised — never an automatic score with no reasoning attached. Every case then routes to a dedicated, role-gated approval step: only a senior manager login can sign it off.
For the cases where it matters — a foreign PEP, a high-risk-country buyer, a complex ownership structure — that approval is a genuine decision on a clean, evidence-backed file, not a formality. If a senior officer doesn't approve, the case stops there, exactly as AUSTRAC's guidance expects.
Records
A 7-year audit trail, automatically
Every check, every document, every override is timestamped and retained to the regulator's own retention standard — no separate process to remember, no risk of a gap in the file the day AUSTRAC actually asks to see it.
Fits your existing systems
CRM integration, provider-neutral
A connector that keeps case, party and property data in sync with your own system of record — REST, GraphQL or SOAP/XML, whichever your CRM speaks, with your own stored, encrypted credentials. Compliance data doesn't have to live in a second, disconnected system.
One engine, five designated services
Every Tranche 2 industry, covered natively
AUSTRAC's reform doesn't stop at real estate — it names lawyers and conveyancers, accountants, and dealers in precious metals and stones as the same reform. Each domain below runs on its own AUSTRAC-sourced risk factors, compliance-form catalogue and rule set, verified end to end — not a plan to build later.
48,000 agencies nationally
Real estate
Vendor and buyer CDD run side by side on the same case — company vendors, trust structures, individual buyers — through to a senior officer's sign-off before the case closes.
36,717 businesses nationally
Accounting
The client engagement itself is the case, with ongoing due diligence, virtual-asset payment disclosure and source-of-funds evidence gated by your own risk appetite.
25,260 businesses nationally
Legal profession
Trust, company and body-corporate client relationships, with trustee and beneficiary disclosure handled exactly as AUSTRAC's own guidance describes.
~7,400 licensed practitioners
Conveyancing
An independent case run alongside the agent's own, on the identical Property, Vendor and Buyer structure real estate uses — licensed in NSW, VIC, SA, WA and TAS, and via the legal-profession domain in QLD, ACT and NT.
2,808 businesses nationally
Jewellers
Threshold-triggered, not relationship-triggered: full CDD switches on automatically the moment a cash sale crosses $10,000, with $50,000+ elevating the case straight to high risk.