Software alone
The tools are in place.
- Capture client information and run available checks.
- Store records and surface alerts.
- Your team still needs time to review, follow up and act.
Your business. Our compliance support.
AML/CTF admin support for your business.
Behind on your AML/CTF setup, or enrolled but struggling to keep up? Our team helps with client checks, document follow-ups and record keeping, so you can focus on clients and running your business.
From AUD $35.00 per hour inc GST
Fees cover labour only. Software subscriptions, identity verification checks and other third-party charges are additional.
Your compliance deskA clear process. A supported team.
- 01Collect & verifyIdentity checks and document follow-up↗
- 02Review & escalateScreening, risk flags and next steps↗
- 03Record & reportClear records for your compliance officer↗
Your business keeps oversight.
We support the day-to-day work.
We support the day-to-day work.
Meet AML 24/7
Practical support.
More time for your business.
Get to know what we do in just one minute. We help Australian real estate businesses, accounting firms, legal practices and conveyancers with the everyday administration behind their AML processes.
From enrolment preparation and data entry to document follow-ups and organised records, we work within your agreed systems and processes.
Your business retains compliance oversight. We help keep the administrative work moving.
Start your free gap-check →
The meaning behind the initials
What does AML/CTF mean?
AML/CTF is Anti-Money Laundering and Counter-Terrorism Financing.
Explore the Tranche 2 guide →Software + people
Software organises the process.
People keep it moving.
A software subscription and a support hour block buy different things. Your platform can automate parts of intake, screening and record keeping. Our team supplies the time to review results, chase missing documents and bring decisions to your compliance officer.
Software + AML 24/7
The follow-through has an owner.
- People working through the agreed client queue.
- Document follow-ups, screening review and organised records.
- Escalations and reports prepared for your officer’s decisions.
Named account contactAgreed scope and handoverYour officer retains sign-off
Platform features vary. Software and third-party checks are charged separately from support hours.
Understand your obligations
The obligations are here.
Find your next step.
AML/CTF obligations commenced on 1 July 2026 for newly regulated designated services. If your setup is incomplete or everyday work is falling behind, start by identifying what needs attention.
What is Tranche 2?Simple to get started
A little support.
A lot off your plate.
Get the capacity you need, with an agreed scope and a clear handover to your compliance officer.
Tell us about your workload
We discuss your client volume, business structure and existing processes in a free introductory call.
Agree the hours and process
Confirm your hour block, access, responsibilities and escalation steps before work begins.
We handle the follow-through
Your support team manages the agreed tasks and keeps your compliance officer informed.
What the desk handles
The detail handled. The oversight stays yours.
01 · ONBOARDING
Client verification (CDD)
Initiated and tracked through your agreed workflow, using AML software where available, with direct client follow-up on outstanding documents.
02 · SCREENING
Sanctions & PEP review
Screening results reviewed, cleared or escalated against your written AML/CTF program.
03 · ESCALATION
Enhanced due diligence
Extra support on higher‑risk, overseas or politically exposed clients.
04 · MONITORING
Transaction monitoring
Dashboard review across your account, with alerts actioned or escalated promptly.
05 · RECORDS
Audit‑trail upkeep
Records organised in line with your AML/CTF program and applicable retention requirements.
06 · REPORTING
SMR / TTR drafting
Report content prepared for your Compliance Officer to review, finalise and lodge.
Start where you are
Have software already?
We work with your workflow.
We confirm access and the tasks your system supports, then agree who reviews, follows up and escalates each item.
No software yet?
We map your client register, document collection, screening and records process first. Manual work needs a larger time allowance. Software options and any subscription costs are confirmed separately before you commit.
Find your starting point →
WHERE THE LINE SITS
AML 24/7 provides administrative and data‑entry support for your AML/CTF program. We do not replace your appointed AML/CTF compliance officer — they retain full oversight, sign‑off and regulatory responsibility at all times.
Straightforward pricing
Choose the support your workload needs.
From AUD $35.00 per hour inc GST. Purchase 10, 20, 50 or 100 hours with the same service inclusions in every block.
| Hour block | Hourly rate inc GST | Block total inc GST | Get started |
|---|---|---|---|
| 10 hours | AUD $50.00 | AUD $500 | Enquire about 10 hours → |
| 20 hours | AUD $45.00 | AUD $900 | Enquire about 20 hours → |
| 50 hours | AUD $40.00 | AUD $2,000 | Enquire about 50 hours → |
| 100 hours | AUD $35.00 | AUD $3,500 | Enquire about 100 hours → |
All prices are in AUD and include GST. Rates including GST: 10 hours at $50.00/hour; 20 hours at $45.00/hour; 50 hours at $40.00/hour; 100 hours at $35.00/hour. Software subscriptions, identity verification checks and other third-party charges are additional.
View all service inclusions →Where does your process need support?
Take the free gap-check for a practical starting point. No client records or contact details required.
Who we help
Support shaped around your practice.
Different services create different workloads. We agree the scope around the work you actually do, your client volume and your systems.
Real estate
Keep client checks and outstanding documents moving alongside a busy transaction pipeline.
- Track identification and beneficial-owner information.
- Follow up missing documents and record review status.
- Bring screening flags and higher-risk files to your officer.
We size the workload around transactions, parties involved and case complexity.
Check your agency’s gaps →Accounting
Give client onboarding and file upkeep a clear place in the working week.
- Coordinate client and entity document collection.
- Maintain the client register and outstanding-item list.
- Support reviews and escalation under your program.
We agree support around your covered services and client mix, including trusts and companies.
Check your practice’s gaps →Legal & conveyancing
Keep matter-based due diligence organised alongside the work of your legal team.
- Collect and organise identification material.
- Track due diligence steps and outstanding records.
- Prepare review material for your authorised decision-maker.
Your legal team controls privilege, access, advice and sign-off.
Check your firm’s gaps →Your profession alone does not decide whether every service is regulated. Check your designated services and relevant exclusions. Read the Tranche 2 guide →
What we do
The everyday work behind your AML/CTF program.
We provide operational and administrative support around your agreed procedures, software and compliance officer.
Client checks & document follow-up
Initiate and track verification, collect outstanding material and keep the client queue moving.
Screening review & escalation
Review sanctions and politically exposed person (PEP) results against your process, and refer potential matches for assessment.
Enhanced due diligence support
Organise additional information for higher-risk cases and prepare the file for your officer’s review.
Monitoring & records
Review available transaction-monitoring dashboards, maintain task records and keep an organised audit trail.
Report preparation
Draft suspicious matter report (SMR) and threshold transaction report (TTR) material where applicable. Your officer reviews, finalises and lodges reports.
Monthly briefings
Summarise agreed activity, outstanding issues and upcoming priorities. Briefing and preparation time comes from your purchased hours.
Your compliance officer keeps full oversight and sign-off.
We do the operational work. Your business retains responsibility for its obligations, decisions and regulatory reporting. We do not provide legal advice.
Your systems
Already have software?
We work within a compatible, agreed workflow after confirming access, responsibilities and platform capabilities. You keep your subscription and we provide the support hours.
Starting without software?
We help organise the client register, document collection, screening process and records. Manual tasks generally take longer. We discuss suitable software options with you; any platform, subscription or bundled quote must be agreed separately.
Compare your starting options →A clear working arrangement
Agree the work before we begin.
- Map your workload, software and immediate gaps.
- Agree an hour block, access and escalation responsibilities.
- Set the review schedule and communication arrangements.
- Review usage and adjust the next block as your workload changes.
Free AML/CTF gap-check
Find the gaps in your everyday process.
Eight short questions. Get a practical support recommendation, whether you are still setting up or already enrolled.
This self-check is provided by AML 24/7, independently of AUSTRAC. It is not a compliance audit, legal advice or a determination of your regulatory obligations. Answers stay on this page until you choose to include them in an enquiry; do not enter client information.
Your suggested starting point
Areas to review
This is a starting estimate, not a quote or compliance clearance. Actual hours depend on the files, software, risk and follow-up required. Third-party charges are separate.
Request a free 15-minute call through the enquiry form. We confirm the time with you.
About AML 24/7
Practical people.
Everyday compliance support.
We help Australian businesses manage the work behind their AML/CTF processes — from collecting client documents to keeping records organised and bringing issues to the right person.
Why we exist
Give your team room to focus.
Client checks, document follow-ups and record maintenance take time. When those tasks sit alongside a busy client-facing role, they can become difficult to manage consistently.
AML 24/7 provides operational support around that everyday workload. We work with your business’s processes and your appointed compliance officer so responsibilities are clear and the administrative work has a place in the working day.
Our service supports smaller practices and larger businesses through flexible blocks of support hours.
Who we support
Built around your business.
Real estate
Support for agencies and property businesses managing client information, identity documents, follow-ups and transaction records.
Accounting & bookkeeping
Administrative support for practices managing client files and the operational work associated with their AML/CTF processes.
Legal & conveyancing
Support for busy practices organising client identification material, maintaining records and keeping outstanding tasks visible.
Our scope is agreed around the services you provide, your client volume and your existing processes. Explore our Tranche 2 guide for an overview of the regulatory changes.
How we work
One service, sized around your workload.
Get access to our full AML/CTF support service from AUD $35.00 inc GST per hour. Purchase a block of 10, 20, 50 or 100 hours.
We agree the tasks and priorities around your client volume, systems and available hours. Software subscriptions, verification checks and third-party charges are additional.
View pricing →Working together
A clear start. A practical working routine.
Map the workload
We discuss your business, client volume, existing systems and the tasks that need support. Together we estimate the hours and choose a suitable block.
Agree how work moves
Confirm the scope, access, responsibilities and communication arrangements. Identify what needs review and who receives escalations.
Keep work organised
Carry out the agreed tasks, maintain records of progress and bring outstanding items to your team’s attention. Review the support level as your needs change.
Accountability & service fit
Know who is doing the work.
Our focus is practical: keeping client information organised, following up missing documents and making it clear which items need your team’s attention. Your staff should know where a task stands and what is needed next.
Our service includes client verification, screening review, enhanced due diligence support, monitoring, records, report preparation and regular communication. Every block provides the same service scope, with tasks agreed around your purchased hours.
YOUR COMPLIANCE OFFICER REMAINS IN CONTROL
AML 24/7 provides operational and administrative support. We do not replace your appointed compliance officer or provide legal advice. Your business retains responsibility for its AML/CTF obligations.
Discuss your assurance requirements
Before engaging a provider, confirm the experience and training relevant to your work, the people assigned, supervision, confidentiality arrangements and any insurance evidence you require. Raise these with us during scoping so you can assess the service fit.
Get StartedUnderstand the requirements
What is Tranche 2?
Explore our plain-English guide to the AML/CTF changes, the services they cover and the everyday work involved.
What is Tranche 2 →Pricing
The right hours for your starting point.
Already have software, or building your process from the beginning? Choose your starting path, then the hours your workload needs. Support from AUD $35.00/hour. All prices include GST.
Your first 10 hours are free
Get started today.
Fill out the FREE gap-check and we will give you your first 10 hours of support ABSOLUTELY FREE!
Valid for 30 days.
Complete the FREE gap-check →01 / Support plan
Already have software.
We run the agreed work within your existing platform and processes. Your subscription stays with you.
Start with a 10-hour or 20-hour block for light or steady volume; choose more hours for backlogs, complexity or higher transaction volumes.
Includes access to document follow-up, screening review, records, escalations and briefings within purchased hours.
Discuss software-based support →02 / Setup & operational support
No software yet.
We help organise and operate your administrative workflow, with your compliance officer retaining oversight.
Start the discussion with a 20-hour or 50-hour block. Building a register and processing checks manually can consume substantially more time.
Software selection and subscription costs are scoped separately. A software bundle is not included in the prices below.
Discuss a new workflow →What your hours cover
Buy capacity for a defined workload.
10 hours · $50.00/hour inc GST
10-hour block
For an existing software workflow with light volume.
Client verification follow-ups, clear screening reviews, records and a scheduled review or briefing. Agree a focused queue; complex cases use more of the block.
AUD $500
Block total inc GST.
Discuss this block →20 hours · $45.00/hour inc GST
20-hour block
For a small team, or the starting point for a manual workflow.
A steadier client queue with room allocated to reviews, records and briefings. Without software, allow time to build the register and operating process first.
AUD $900
Block total inc GST.
Discuss this block →50 hours · $40.00/hour inc GST
50-hour block
For busier practices, backlogs or more manual processing.
A larger allocation across onboarding, monitoring and higher-risk case support. Scope reporting and enhanced due diligence separately within the available hours.
AUD $2,000
Block total inc GST.
Discuss this block →100 hours · $35.00/hour inc GST
100-hour block
For higher transaction volumes or larger workloads.
Manage agreed client queues and reviews, with capacity allocated for complex cases. Volume and case mix determine how long the block lasts.
AUD $3,500
Block total inc GST.
Discuss this block →Illustrative scope, not a service guarantee. Document quality, follow-ups, risk and system automation change the time required. A short block can be used quickly by an active practice; larger blocks do not guarantee a year of support.
Explore the time calculator →Included in every package
The same service inclusions. Your choice of hours.
The 10-hour, 20-hour, 50-hour and 100-hour blocks all include access to the services below within your purchased hours. Choose your package for the amount of support you need. The work, schedule and priorities are agreed around your business and systems.
Client verification and follow-up
Client identity verification (CDD) initiated, tracked and followed up directly with your clients.
Screening review
Sanctions, PEP and adverse media screening reviewed and cleared or escalated.
Enhanced due diligence
Support for higher-risk, overseas or politically exposed clients.
Transaction monitoring
Ongoing transaction-monitoring dashboard review where available in your systems.
Record maintenance
Records and audit trails maintained under your applicable retention requirements.
Report preparation
SMR/TTR report drafting for your compliance officer to review and lodge.
Risk-profile reviews
Quarterly risk-profile review.
Activity summaries
Monthly activity summary for your compliance officer.
Email support
Email support with a 2-hour response time.
Flagged-case triage
Same-business-day triage on flagged and EDD cases.
Named account contact
A named team contact for your account.
Multiple-office support
Coverage across multiple offices, agents or partners.
Compliance briefing
Monthly compliance briefing call with your team contact.
Your compliance officer keeps oversight
We provide operational and administrative support. Your appointed compliance officer reviews decisions and reports, and your business retains responsibility for its AML/CTF obligations.
Choose your hour block.
| Hour block | Hourly rate inc GST | Block total inc GST | Get started |
|---|---|---|---|
| 10 hours | AUD $50.00 | AUD $500 | Enquire about 10 hours → |
| 20 hours | AUD $45.00 | AUD $900 | Enquire about 20 hours → |
| 50 hours | AUD $40.00 | AUD $2,000 | Enquire about 50 hours → |
| 100 hours | AUD $35.00 | AUD $3,500 | Enquire about 100 hours → |
All prices are in AUD and include GST. Rates including GST: 10 hours at $50.00/hour; 20 hours at $45.00/hour; 50 hours at $40.00/hour; 100 hours at $35.00/hour. Software subscriptions, identity verification checks and other third-party charges are additional. (You will be automatically recharged when your account has reached a balance of $100)
Before work begins, we agree the scope, arrange access and establish your workflow and handover. Work to build registers, clear backlogs and run client checks uses your purchased hours.
Compare the full cost
Software fees and people’s time are different costs.
Example: support with existing software
Assume you choose a 10-hour block and pay $59 per month for software. This is an illustrative subscription price, not a software offer.
$559 + checks
First purchase: $500 for 10 hours + the assumed $59 software month = $559, before verification checks. A later 10-hour top-up is $500, plus your ongoing software and checks.
At the assumed rate, software alone costs $59/month plus checks, with your team supplying the review and follow-up time. The 10-hour support block is not a monthly entitlement.
Example: starting a manual workflow
Assume you begin with a 20-hour block to organise the workflow and complete agreed work.
$900 + checks
First purchase: $900 for 20 hours. Add any chosen software subscription and third-party checks separately.
For an in-house comparison, use 20 × your employee’s fully loaded hourly cost, then add software, checks, training and supervision. Internal and outsourced work may take different amounts of time; this is a budget comparison, not a savings claim.
An illustrative 20-hour allocation
10 hours on client checks and follow-ups + 4 hours on screening and escalations + 3 hours on records and monitoring + 3 hours on briefing and coordination = 20 hours. Your allocation is agreed around your priorities; reporting or complex cases may displace other work.
The Time Calculator uses a separate task-time model and excludes some implementation and follow-up work. Use it to begin the discussion, then confirm the complete scope with us.
Questions about pricing and hours
Do hours roll over or expire?
The rollover and expiry terms for your block will be confirmed in writing before you purchase. Ask us to match the block to your expected usage; do not assume that unused hours last indefinitely.
What if I run out of hours during an urgent case?
Contact your named account contact so we can agree priorities, extra hours and available turnaround. Do not wait for a top-up to raise an urgent regulatory issue with your compliance officer. Additional work and timing must be agreed.
What is the automatic recharge rule?
You will be automatically recharged when your account has reached a balance of $100. Confirm the recharge amount, payment arrangements and authorisation with us during onboarding.
What are the cancellation and refund terms?
We provide the applicable cancellation, unused-hour and refund terms in writing before you purchase. Please ask for these terms when requesting a quote.
Do I have to buy software separately?
Our published hour-block prices cover labour. Software subscriptions, verification checks and other third-party charges are additional. If you need software, we can discuss options and confirm a separate or combined quote before you decide.
Are these monthly subscriptions?
No. These are purchased blocks of labour hours. A block’s duration depends on how much work is required; no block promises a fixed number of clients or months.
Does every block offer the same services?
Yes. The service scope is the same; available time differs. We agree which tasks take priority within the hours you buy.
Find your starting point.
Take the free gap-check, then discuss the right scope with us.
Careers
Build your career with AML 24/7.
Interested in joining our team? Tell us about your skills, experience and the kind of role you’re looking for.
Working with us
Different strengths. A shared commitment to quality.
As our business grows, opportunities may arise across compliance support, administration, customer service and operations. We welcome expressions of interest from people who bring care, accuracy and a willingness to learn.
Attention to detail
You take pride in accurate work, clear records and following through on commitments.
Clear communication
You ask thoughtful questions, keep others informed and work well with clients and colleagues.
A team approach
You enjoy learning, sharing knowledge and helping others deliver good work.
Expressions of interest
Tell us where you could fit.
You can express interest in future opportunities here. This is not an advertisement for a specific vacancy.
This opens your email client with your details pre‑filled — if it doesn't, email us directly at careers@aml247.com.au.
FAQ
Clear answers before you get started.
Our role, your software, support hours and next steps.
What does AML 24/7 do?
We support the day-to-day work behind your AML/CTF program: client checks, document follow-ups, screening review, records, monitoring and report preparation. See the service scope →
What if I missed the enrolment deadline?
If your business should already be enrolled, review the situation promptly with your compliance officer or qualified adviser and follow AUSTRAC’s enrolment guidance. We can help organise administrative work, but engaging us does not remove a breach or stop regulatory action. AUSTRAC enrolment guidance ↗
I’m enrolled. Why do I need ongoing support?
Enrolment is one step. Client checks, monitoring, records and reporting processes need to operate as applicable to your business. We supply time for the agreed operational tasks and bring decisions to your compliance officer.
How is this different from software?
Software provides tools and automation. Our team provides time to review results, follow up documents, maintain records and escalate issues. What is automated depends on your platform.
How much does it cost?
All prices are in AUD and include GST. Rates including GST: 10 hours at $50.00/hour; 20 hours at $45.00/hour; 50 hours at $40.00/hour; 100 hours at $35.00/hour. Software subscriptions, identity verification checks and other third-party charges are additional.
Do hours roll over or expire?
The rollover and expiry terms for your block will be confirmed in writing before you purchase. Ask us to match the block to your expected usage; do not assume that unused hours last indefinitely.
What if I run out of hours during an urgent case?
Contact your named account contact so we can agree priorities, extra hours and available turnaround. Do not wait for a top-up to raise an urgent regulatory issue with your compliance officer. Additional work and timing must be agreed.
What is the automatic recharge rule?
You will be automatically recharged when your account has reached a balance of $100. Confirm the recharge amount, payment arrangements and authorisation with us during onboarding.
What are the cancellation and refund terms?
We provide the applicable cancellation, unused-hour and refund terms in writing before you purchase. Please ask for these terms when requesting a quote.
Do I have to buy software separately?
Our published hour-block prices cover labour. Software subscriptions, verification checks and other third-party charges are additional. If you need software, we can discuss options and confirm a separate or combined quote before you decide.
Are these monthly subscriptions?
No. These are purchased blocks of labour hours. A block’s duration depends on how much work is required; no block promises a fixed number of clients or months.
Does every block offer the same services?
Yes. The service scope is the same; available time differs. We agree which tasks take priority within the hours you buy.
Do you replace our compliance officer?
No. Your officer retains oversight, review and sign-off. Your business remains responsible for its obligations. Our service is administrative and operational support, not legal advice.
How soon can you start?
We agree a start date after reviewing scope, access, capacity and onboarding. Tell us about urgent issues when you enquire so we can discuss priorities.
How do I request a call?
Use the Get Started form to request a free 15-minute introductory call. The form prepares an email draft for you to review and send; we then confirm a suitable time.
Contact
Get Started.
Fifteen minutes, no obligation. Tell us about your business and we will help you estimate the hours you need.
Send us your details
Request a free 15-minute introductory call or ask about support. This form prepares an email enquiry for you to review and send in your email app. Do not include client identity documents or sensitive case details.
Direct details
Email: contact@aml247.com.au
Careers: careers@aml247.com.au
We aim to respond within one business day.
NOTE
AML 24/7 provides operational and administrative compliance support. We are not a legal advisory service, and we don't replace your business's own accountable Compliance Officer.
The plain-English guide
What is
Tranche 2?
What Australia’s AML/CTF reforms mean for your business — who they affect, what’s required and how to manage the work.
Reviewed 12 September 2026 · General information
See what’s required
01 / The change
More businesses now have AML/CTF obligations.
“Tranche 2” describes the expansion of Australia’s anti-money laundering and counter-terrorism financing laws to additional services. These include certain real estate and professional services, alongside dealers in precious metals and stones.
For affected businesses, it means identifying customers, assessing risks, monitoring activity and making required reports to AUSTRAC — Australia’s financial intelligence agency and AML/CTF regulator.
The services you provide determine whether you’re covered.
Your business size or turnover alone does not decide this. Check your activities against AUSTRAC’s designated services and applicable exclusions.
Source: AUSTRAC’s Tranche 2 factsheet ↗
02 / Who it affects
Different services. Different triggers.
Real estate
Agents and buyers’ agents brokering sales, purchases or transfers, and some developers selling without an independent agent. Obligations can arise before settlement.
Real estate guidance ↗Accounting & bookkeeping
Certain work involving entities, trusts, client money and transactions may be covered. A professional title alone does not bring every service into scope.
Professional services guidance ↗Legal & conveyancing
Specified property, financial and entity-related activities can be designated services. Exclusions and legal professional privilege need to be considered.
Professional services guidance ↗Other regulated sectors
The expansion also covers specified precious metals and stones dealings. Separate reforms expand virtual asset services; check the rules relevant to your activities.
Reform transition guidance ↗03 / Key dates
The reforms are now in effect.
These are the main commencement milestones. If you started providing designated services later, check the timeframes that apply to your start date.
Enrolment opened
Newly regulated businesses could begin applying to enrol with AUSTRAC.
New obligations commenced
AML/CTF requirements began applying to the newly regulated designated services.
Initial enrolment deadline
This was the enrolment deadline for businesses providing newly regulated services on 1 July. Generally, businesses starting later apply within 28 days of first providing a designated service.
Source: AUSTRAC’s commencement and enrolment summary ↗
Compliance officer: appointment and notification are separate.
AUSTRAC states that appointment is required within 28 days of providing designated services and notification within 14 days of appointment. For newly regulated entities, the transitional notification deadline is the later of 29 July 2026 or 14 days after enrolling.
Check officer eligibility and deadlines ↗04 / What’s required
A working program, supported by everyday processes.
Enrol and keep your details current
Identify the designated services you provide and meet the relevant enrolment requirements.
Assign oversight and train your people
Appoint an eligible compliance officer and give people performing AML/CTF functions appropriate training.
Document and maintain your program
Assess money laundering and terrorism financing risks, establish policies and review them as your business changes.
Know your customers
Complete the applicable due diligence, identify beneficial owners where required and apply enhanced checks when necessary.
Monitor and report
Review activity and lodge required reports, including suspicious matter reports and threshold transaction reports where applicable.
Keep clear, secure records
Retain program, customer due diligence and transaction records for the required periods — usually seven years. The retention period depends on the record type.
Source: AUSTRAC’s obligations overview ↗
Existing customers may qualify for pre-commencement arrangements. Do not assume every existing client needs the same new checks: assess the relevant relationship and requirements. Read the existing-customer guidance ↗
05 / Non-compliance
It’s worth getting the process right.
AUSTRAC can use remedial directions, infringement notices, enforceable undertakings and court proceedings to address non-compliance. It can also require an external audit in relevant circumstances.
Some breaches can attract substantial civil penalties. The outcome depends on the provision, conduct and circumstances; maximum penalties are not typical fines.
For current penalty amounts and enforcement powers: AUSTRAC’s consequences of non-compliance ↗
06 / Practical support
Choose support around the work you actually need.
Managing compliance involves staff time, training, systems and ongoing review. The right support depends on your designated services, client complexity and volume.
Where AML 24/7 fits
Our hour blocks provide access to client verification, document follow-up, screening review, enhanced due diligence support, monitoring, record-keeping and report drafting for your compliance officer to review and lodge.
Your business retains its obligations. AML 24/7 provides operational and administrative support; we do not take on your compliance officer role or provide legal advice.
Source: AUSTRAC’s outsourcing guidance ↗
AML support hoursFrom AUD $35.00 per hour inc GST
Purchase 10, 20, 50 or 100 hours.
Software subscriptions, verification checks and third-party charges are additional.
View hour blocks →07 / Common questions
A few things to know.
Do small businesses have to comply?
Small size does not automatically exempt a business. What matters is whether you provide a designated service and meet the relevant conditions. Check the service-specific guidance above.
Do we still need a compliance officer?
Yes. Our service supports your appointed officer; it does not fill that role. The person appointed must meet AUSTRAC’s eligibility requirements, including the necessary authority and resources.
What should we look for in a support provider?
Look for a clear scope aligned with your services, agreed escalation and quality-review processes, suitable handling of customer information, transparent fees and accessible records. Confirm who makes decisions and who lodges reports.
How is AML 24/7 priced?
All prices are in AUD and include GST. Rates including GST: 10 hours at $50.00/hour; 20 hours at $45.00/hour; 50 hours at $40.00/hour; 100 hours at $35.00/hour. Software subscriptions, identity verification checks and other third-party charges are additional.
Can we discuss the hours before purchasing?
Yes. Request a free introductory call so we can discuss your workload and an appropriate hour block.
General information only, adapted from the AML 24/7 Tranche 2 guide and checked against the linked AUSTRAC guidance on 12 September 2026. It is not legal advice or a complete statement of your obligations. Confirm your position with AUSTRAC or your adviser.
Understand the requirements.
Get help with the workload.
Start with a free, no-obligation introductory call.
Plan your workload
Tranche 2 time calculator
Estimate the time your team needs, with and without software.
All formulas and model assumptions
- Standard-risk setup per party
- CDD + identity verification + screening.
- High-risk setup per party
- EDD + identity verification + screening. EDD replaces CDD.
- Blended setup per party
- Standard setup × (1 − high-risk share) + high-risk setup × high-risk share.
- Setup per transaction or client
- Blended setup × 2 for real estate; × 1 for accounting.
- Annual new-client minutes
- Monthly volume × 12 × setup per transaction or client.
- Annual existing-client review minutes
- Existing clients × review cycles per year × periodic review minutes.
- Annual reports
- For each report type: annual report count × minutes per report. Counts are not multiplied by clients.
- Total hours
- Add all annual task minutes, then divide by 60. Divide annual hours by 12 for monthly or by 52 for weekly averages.
The same formulas run separately for manual and software-assisted processing. Defaults match the supplied model: ten new real-estate transactions per month, all standard risk. Existing-client and report volumes start at zero. Follow-on reviews of new clients, implementation, training and other unlisted work are excluded.
About these estimates
The task times are from tranche2_time_model.xlsx, which attributes them to an AMLTranche vendor comparison. They are not independent or government benchmarks and do not establish performance across different software products. Actual time varies by product, client complexity and process. Existing-client review cycles are a budgeting choice. This calculator does not determine your legal obligations.
AML 24/7 · Workload planning guide
The time behind
your compliance work.
A practical breakdown of the spreadsheet estimates: individual tasks, new-client onboarding and ongoing review. Compare manual processing with software-assisted work.
Plan the work.
Choose the support.
Choose the support.
Fixed examples from the supplied time model. Use the calculator above to explore your own volumes and risk mix.
Planning estimates · Minutes and hours01 / A typical month
What 10 new engagements can look like.
These examples assume standard-risk parties throughout. They cover initial onboarding only, before ongoing reviews and separately budgeted reporting.
Real estate
10 new transactions per month. The model counts two parties per transaction: buyer and seller.
Manual / month26.67 hrs
With software / month4.33 hrs
22.33 fewer modelled hours per month
Annual estimate: 320.00 hours manual / 52.00 hours with software.
Accounting
10 new clients per month. The model counts one party per client engagement.
Manual / month13.33 hrs
With software / month2.17 hrs
11.17 fewer modelled hours per month
Annual estimate: 160.00 hours manual / 26.00 hours with software.
Differences are calculated before rounding. These are vendor-derived planning estimates, not promised time savings.
02 / The building blocks
Minutes per task.
Each activity has its own allowance. Reporting is counted per report, rather than multiplied by every client.
| Activity | Manual | With software | How it is counted |
|---|---|---|---|
| Customer due diligence (CDD) | 37.5 | 7 | Per standard-risk party |
| Identity verification | 25 | 3 | Per party |
| Sanctions & PEP screening | 17.5 | 3 | Per party |
| Enhanced due diligence (EDD) | 90 | 20 | Replaces CDD for a high-risk party |
| Periodic review | 25 | 7 | Per client, per review cycle |
| Suspicious matter report (SMR) | 240 | 25 | Per report |
| Threshold transaction report (TTR) | 90 | 15 | Per report |
| Business / program reporting allowance | 600 | 45 | Per report, budgeted separately |
Standard-risk onboarding
CDD + identity verification + screening.
80 minutes manual / 13 minutes with software
per party.
High-risk onboarding
EDD replaces CDD, then add identity verification and screening.
132.5 minutes manual / 26 minutes with software
per party.
For real estate, the two-party assumption gives 160 / 26 minutes per standard-risk transaction and 265 / 52 minutes per high-risk transaction (manual / software).
03 / As your client base grows
Compare your monthly workload.
The standard-risk scenario assumes every party is standard risk; the high-risk scenario assumes every party needs enhanced due diligence. Use the calculator for a mixed portfolio.
Real estate transactions
Two parties per transaction. Initial onboarding only.
| New transactions per month | Standard risk | High risk | ||
|---|---|---|---|---|
| Manual | Software | Manual | Software | |
| 1 | 2.67 | 0.43 | 4.42 | 0.87 |
| 3 | 8.00 | 1.30 | 13.25 | 2.60 |
| 5 | 13.33 | 2.17 | 22.08 | 4.33 |
| 10 | 26.67 | 4.33 | 44.17 | 8.67 |
| 15 | 40.00 | 6.50 | 66.25 | 13.00 |
| 20 | 53.33 | 8.67 | 88.33 | 17.33 |
| 30 | 80.00 | 13.00 | 132.50 | 26.00 |
| 40 | 106.67 | 17.33 | 176.67 | 34.67 |
| 50 | 133.33 | 21.67 | 220.83 | 43.33 |
Weekly and annual figures
| New / month | Risk | Weekly manual | Weekly software | Annual manual | Annual software |
|---|---|---|---|---|---|
| 1 | Standard | 0.62 | 0.10 | 32.00 | 5.20 |
| 1 | High | 1.02 | 0.20 | 53.00 | 10.40 |
| 3 | Standard | 1.85 | 0.30 | 96.00 | 15.60 |
| 3 | High | 3.06 | 0.60 | 159.00 | 31.20 |
| 5 | Standard | 3.08 | 0.50 | 160.00 | 26.00 |
| 5 | High | 5.10 | 1.00 | 265.00 | 52.00 |
| 10 | Standard | 6.15 | 1.00 | 320.00 | 52.00 |
| 10 | High | 10.19 | 2.00 | 530.00 | 104.00 |
| 15 | Standard | 9.23 | 1.50 | 480.00 | 78.00 |
| 15 | High | 15.29 | 3.00 | 795.00 | 156.00 |
| 20 | Standard | 12.31 | 2.00 | 640.00 | 104.00 |
| 20 | High | 20.38 | 4.00 | 1,060.00 | 208.00 |
| 30 | Standard | 18.46 | 3.00 | 960.00 | 156.00 |
| 30 | High | 30.58 | 6.00 | 1,590.00 | 312.00 |
| 40 | Standard | 24.62 | 4.00 | 1,280.00 | 208.00 |
| 40 | High | 40.77 | 8.00 | 2,120.00 | 416.00 |
| 50 | Standard | 30.77 | 5.00 | 1,600.00 | 260.00 |
| 50 | High | 50.96 | 10.00 | 2,650.00 | 520.00 |
New accounting clients
One party per new client. Initial onboarding only.
| New clients per month | Standard risk | High risk | ||
|---|---|---|---|---|
| Manual | Software | Manual | Software | |
| 1 | 1.33 | 0.22 | 2.21 | 0.43 |
| 3 | 4.00 | 0.65 | 6.63 | 1.30 |
| 5 | 6.67 | 1.08 | 11.04 | 2.17 |
| 10 | 13.33 | 2.17 | 22.08 | 4.33 |
| 15 | 20.00 | 3.25 | 33.13 | 6.50 |
| 20 | 26.67 | 4.33 | 44.17 | 8.67 |
| 30 | 40.00 | 6.50 | 66.25 | 13.00 |
| 40 | 53.33 | 8.67 | 88.33 | 17.33 |
| 50 | 66.67 | 10.83 | 110.42 | 21.67 |
Weekly and annual figures
| New / month | Risk | Weekly manual | Weekly software | Annual manual | Annual software |
|---|---|---|---|---|---|
| 1 | Standard | 0.31 | 0.05 | 16.00 | 2.60 |
| 1 | High | 0.51 | 0.10 | 26.50 | 5.20 |
| 3 | Standard | 0.92 | 0.15 | 48.00 | 7.80 |
| 3 | High | 1.53 | 0.30 | 79.50 | 15.60 |
| 5 | Standard | 1.54 | 0.25 | 80.00 | 13.00 |
| 5 | High | 2.55 | 0.50 | 132.50 | 26.00 |
| 10 | Standard | 3.08 | 0.50 | 160.00 | 26.00 |
| 10 | High | 5.10 | 1.00 | 265.00 | 52.00 |
| 15 | Standard | 4.62 | 0.75 | 240.00 | 39.00 |
| 15 | High | 7.64 | 1.50 | 397.50 | 78.00 |
| 20 | Standard | 6.15 | 1.00 | 320.00 | 52.00 |
| 20 | High | 10.19 | 2.00 | 530.00 | 104.00 |
| 30 | Standard | 9.23 | 1.50 | 480.00 | 78.00 |
| 30 | High | 15.29 | 3.00 | 795.00 | 156.00 |
| 40 | Standard | 12.31 | 2.00 | 640.00 | 104.00 |
| 40 | High | 20.38 | 4.00 | 1,060.00 | 208.00 |
| 50 | Standard | 15.38 | 2.50 | 800.00 | 130.00 |
| 50 | High | 25.48 | 5.00 | 1,325.00 | 260.00 |
04 / Your existing client book
Allow time for ongoing review.
The workbook budgets one periodic review per existing client per year: 25 minutes manually or 7 minutes with software. This is a planning assumption for the existing client book, not a mandatory annual review schedule.
For a book of 100 existing clients
41.67 hours manual / 11.67 hours with software per year.
That averages 3.47 / 0.97 hours per month, with reviews scheduled according to your business’s needs.
See all existing-client volumes (1–1,000 clients)
| Existing clients | Monthly manual | Monthly software | Annual manual | Annual software |
|---|---|---|---|---|
| 1 | 0.03 | 0.01 | 0.42 | 0.12 |
| 3 | 0.10 | 0.03 | 1.25 | 0.35 |
| 5 | 0.17 | 0.05 | 2.08 | 0.58 |
| 10 | 0.35 | 0.10 | 4.17 | 1.17 |
| 15 | 0.52 | 0.15 | 6.25 | 1.75 |
| 20 | 0.69 | 0.19 | 8.33 | 2.33 |
| 30 | 1.04 | 0.29 | 12.50 | 3.50 |
| 40 | 1.39 | 0.39 | 16.67 | 4.67 |
| 50 | 1.74 | 0.49 | 20.83 | 5.83 |
| 75 | 2.60 | 0.73 | 31.25 | 8.75 |
| 100 | 3.47 | 0.97 | 41.67 | 11.67 |
| 150 | 5.21 | 1.46 | 62.50 | 17.50 |
| 250 | 8.68 | 2.43 | 104.17 | 29.17 |
| 500 | 17.36 | 4.86 | 208.33 | 58.33 |
| 1,000 | 34.72 | 9.72 | 416.67 | 116.67 |
How to read these figures
Monthly onboarding hours = new transactions or clients × minutes per unit ÷ 60. Annual hours = monthly hours × 12. Weekly averages = annual hours ÷ 52. Existing-client hours = client count × review minutes ÷ 60 per year, divided by 12 for the monthly average.
Onboarding examples exclude existing-client reviews, SMRs, TTRs, business/program reporting, implementation and training. Add each relevant workload separately. Higher-risk reviews may take longer or occur more often than the example allowance.
Source: tranche2_time_model.xlsx, Assumptions, Real Estate, Accountants and Existing Clients (Pre-T2) worksheets. The workbook attributes its task times to an AMLTranche vendor comparison, not an independent or government study. Actual time varies with the software, client complexity and process. The numeric screening assumption is 3 minutes; an accompanying workbook note says 1 minute. This guide uses the numeric value, consistent with the calculator.
These fixed reference tables do not change when calculator inputs are edited. They support workload planning and do not determine legal obligations.
Turn the estimate into a support plan.
Discuss your workload, systems and the hours your team needs.