Tranche 2 Obligation #1 — Mandatory for All Reporting Entities

AML/CTF Program
Builder

Generate a complete, AUSTRAC-aligned written AML/CTF program in under 30 minutes. Guided sector-specific templates, embedded risk assessment, compliance officer framework and 7-year secure record keeping — everything you need to meet your core Tranche 2 obligation.

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What's in your program

Part A: AML/CTF Risk Management

check_circleML/TF Risk Assessment
check_circleCustomer Risk Profiling Framework
check_circleProduct and Channel Risk Analysis
check_circleGeographic Risk Assessment
check_circleRisk Appetite Statement

Part B: AML/CTF Compliance

check_circleCompliance Officer Designation
check_circleGovernance and Oversight Structure
check_circleEmployee Training Program
check_circleBoard Reporting Framework
check_circleIndependent Review Schedule

Policies & Procedures

check_circleCDD Onboarding Procedure
check_circleEDD Trigger Criteria
check_circleOngoing Monitoring Protocol
check_circleSMR Escalation Procedure
check_circleTTR Detection Workflow
check_circleRecord Retention Policy

Operational Documents

check_circleCustomer Identification Checklist
check_circleBeneficial Ownership Mapping Template
check_circleSource of Wealth Verification Procedure
check_circleThird-Party Reliance Agreement
check_circleStaff Training Register

Not just templates.
A complete compliance system.

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Guided Program Templates

Sector-specific templates for law firms, accountants, real estate agents, DPMS and TCSPs — pre-populated with AUSTRAC-aligned language and tailored to your designated services.

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Embedded ML/TF Risk Assessment

Built-in enterprise risk assessment workflow covering customers, products/services, delivery channels and geographic exposure — with version control and update scheduling.

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Compliance Officer Framework

Documented delegation of authority, role definitions and reporting lines for your designated AML/CTF Compliance Officer — with management-level accountability built in.

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Staff Training Records

Online training modules covering AML/CTF red flags, obligations and escalation procedures — with completion tracking and 7-year record retention.

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Review Scheduling & Reminders

Automated review triggers when your business changes. Mandatory 3-year independent review scheduling built in. AUSTRAC expects your program to stay current.

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Secure 7-Year Record Keeping

All compliance records retained for the mandatory 7 years — encrypted, backed up, access-controlled and instantly retrievable on AUSTRAC request.

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AUSTRAC Starter Kits are not enough

AUSTRAC has explicitly stated their Starter Kits are “not a one-size-fits-all solution.” Every reporting entity must customise their AML/CTF program to their specific business, services and risk profile. KYCopilot guides you through this process — so your program is genuinely compliant, not just a downloaded template.

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Your AML/CTF program.
Built in 30 minutes.

AUSTRAC-aligned, risk-based, sector-specific. The foundation of your entire Tranche 2 compliance framework.

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