Your AML/CTF program, built in a guided flow
Tranche 2 obligations are in force for real estate, accounting, legal, conveyancing and jewellery businesses. Replace a consulting engagement with a plain-English intake that generates five AUSTRAC-aligned documents tailored to your business — $199 a year, flat.
$199/year per organisation, ex GST · Not legal advice
- Per year, per organisation
- $199
Per year, per organisation
Flat — no seat maths, sole trader or hundred-strong
- AUSTRAC-aligned documents generated
- 5
AUSTRAC-aligned documents generated
Tailored to your business, not a blank template
- Guided intake steps
- 9
Guided intake steps
Auto-saves every field — resume anytime
- Minutes of consultancy included
- 30
Minutes of consultancy included
Each year, with your Kit
Five AUSTRAC-aligned documents, tailored to your business
The intake asks plain-English questions about what your business actually does — services, customers, channels, countries, people — and generates a complete, tailored program. Not a blank template you have to interpret.
- ML/TF Risk Assessment
- AML/CTF Policy
- Process document
- Role appointment and responsibility forms (AML Compliance Officer and more)
A guided flow, evidenced end to end
- Step by step
Plain-English intake
Nine guided steps ask what your business actually does. Every field auto-saves, so you can start now and resume anytime.
- Tailored
Documents built for you
The program reflects your business's risk profile — generated from your answers, not a one-size-fits-all template.
- Locked
Evidenced approval
Approval is captured and locked as evidence. The program is versioned so you always know what was in force, and when.
- Living
Amend and regenerate
As your business changes, update your answers and regenerate. Your program stays current and your evidence trail stays intact.
The program is half the obligation — training is the other
AUSTRAC expects regulated roles to be trained as well as documented. Role-based AML/CTF training runs from $39 a month, with every completion landing in an AUSTRAC-ready register.
- AML Compliance Officer, senior management and customer-facing training
- Identity verification training included — DVS and manual ID checks
- Completions exportable for AUSTRAC in a click
About these documents
Zoib Cyber's AML/CTF documents are designed to help your business meet its obligations under the AML/CTF regime administered by AUSTRAC. They are AUSTRAC-aligned — not AUSTRAC-approved, certified or endorsed. AUSTRAC does not approve individual programs.
These documents and this website are general information, not legal advice. You remain responsible for meeting your obligations.
- AUSTRAC — about the AML/CTF reforms (Tranche 2) austrac.gov.au — primary source, opens in a new tab
- AUSTRAC — obligations for the real estate industry austrac.gov.au — primary source, opens in a new tab
AML/CTF program questions
Is the AML/CTF program AUSTRAC-approved?
No. The documents are AUSTRAC-aligned — they are designed to help your business meet its obligations under the AML/CTF regime. AUSTRAC does not approve, certify or endorse individual programs, and nothing here is legal advice.
Who needs an AML/CTF program right now?
Tranche 2 obligations for real estate, accounting, legal, conveyancing and jewellery businesses commenced on 1 July 2026 and are now in force. If you are a reporting entity under that regime, you need an AML/CTF program and role training in place.
What does the Program Kit generate?
A guided, nine-step, plain-English intake generates five documents tailored to your business: an ML/TF risk assessment, an AML/CTF policy, a process document, and role appointment and responsibility forms. Every field auto-saves so you can resume anytime.
How much does the AML Program Kit cost?
$199 a year per organisation, ex GST — flat, whether you're a sole trader or a hundred-strong agency. It includes 30 minutes of consultancy each year. The Kit is purchased in-app after signup and is never seat-priced or discounted.
Can I update my program as my business changes?
Yes. Approval is evidenced and locked, and the program is versioned. When your business changes, update your answers and regenerate — your program stays current and your evidence trail stays intact.