Purpose-built AML/CTF compliance for Australian property developers, house-and-land sellers, boutique developers and volume builders. Handles SPVs, reporting groups, off-the-plan CDD and foreign buyer ECDD — all in one platform.
Under the amended AML/CTF Act 2006 and the AUSTRAC Tranche 2 reforms, property developers and builders who sell real property directly to buyers provide a designated service. From 1 July 2026 you must enrol with AUSTRAC, maintain a written AML/CTF program, verify every buyer, screen against the DFAT sanctions list, lodge suspicious matter reports, and keep records for 7 years.
Developers bring unique compliance scenarios — long-dated off-the-plan contracts, SPVs per project, foreign buyers, and display-home sales. AMLTranche maps to these: per-SPV enrolment, reporting groups, off-the-plan re-screening, and foreign buyer ECDD built in.
Even a builder who sells one spec home a year is a reporting entity for that designated service. There is no minimum threshold in the Act — the test is whether you are providing a designated service in the course of a business.
All six obligations apply under the AML/CTF Act and AUSTRAC's public guidance. AMLTranche delivers the systems you need to meet each one — see AUSTRAC's Real Estate Program Starter Kit for the sector-specific program structure.
Register as a reporting entity through AUSTRAC Online. Enrolment opens 31 March 2026; deadline 29 July 2026.
A written, risk-based AML/CTF program with your ML/TF risk assessment, policies, procedures and controls. Appoint a fit-and-proper compliance officer.
Conduct CDD on the client on whose behalf you act (per the AUSTRAC Conveyancer Program Starter Kit) before providing the designated service.
Screen every client against the DFAT Consolidated List and PEP databases — and re-screen on list updates.
Lodge an SMR with AUSTRAC when you form a suspicion on reasonable grounds. Tipping off a customer is a criminal offence under section 123 of the Act.
Retain CDD records, screening results and compliance documents for 7 years per AUSTRAC record-keeping guidance.
Not sure how your business structure fits? Read our guide to reporting groups for developers and SPVs, or confirm with the AUSTRAC eligibility tool.
Developer compliance isn't just CDD at the moment of sale — it's years of records, re-screens, SMR reviews and coordinated reporting groups. AMLTranche is built for that reality.
Selfie plus document capture on any device. Matches Australian driver licence, passport or Medicare via secure IDV providers.
Every buyer screened against the DFAT Consolidated List and PEP databases. Automatic re-screening when lists update — critical for long-dated off-the-plan contracts.
Source of funds, source of wealth, country risk, foreign PEP status. AUSTRAC treats foreign PEPs as automatically high risk.
Manage multiple project SPVs under a single reporting group. Shared AML/CTF program, per-entity audit trails.
Handles the long gap between contract and settlement. Periodic re-screening across the life of the file.
Short questionnaire generates your program and ML/TF risk assessment — mapped to the AUSTRAC Real Estate Program Starter Kit.
Reviewer role-split so tipping off is prevented by design. Aligned to section 123 of the AML/CTF Act.
Every CDD action signed and time-stamped. Data stored in AWS Sydney. AUSTRAC examination-ready.
Multiple project SPVs under one shared AML/CTF program. Per-entity audit trails for AUSTRAC examination.
Long-dated contracts with periodic re-screening. Critical when DFAT lists update between contract and settlement.
Source-of-funds, source-of-wealth, country risk and foreign PEP workflows — all per AUSTRAC guidance.
All data hosted in AWS Sydney (ap-southeast-2). 256-bit encryption, tamper-proof audit log, 7-year retention built-in.
Solo plan for boutique developers; Growth and Scale plans for multi-project groups.
From $59/mo + GST. No feature gating. Annual plans save 17%.
Every plan includes AUSTRAC enrolment support, AML/CTF program generation, DFAT sanctions screening, PEP screening, and 7-year audit trails. Reporting group support on Growth and Scale plans. Annual billing saves 17%.
Boutique developers. 1 seat, 5 IDV verifications/mo.
Mid-tier developers. 5 seats, 20 IDV verifications/mo. Reporting groups.
ASX-listed & volume developers. 15 seats, 50 IDV verifications/mo.
Purpose-built AML software for Australian property developers and builders. Plans from $59/mo. SPVs, reporting groups and off-the-plan ready.
Complete AUSTRAC Tranche 2 guide for property developers selling direct.
Read guide →How SPVs can share a program under AUSTRAC's reporting group framework.
Read guide →What the AML/CTF compliance officer role looks like for a developer.
Read guide →What a developer's AML/CTF program needs to cover, per AUSTRAC.
Read guide →Sizing compliance to the scale of the business.
Read guide →Do builders need AML compliance? Which kinds of building businesses are caught.
Read guide →