You enrolled by the deadline.
Is your program written?
Enrolment was a form. The AML/CTF program is the actual obligation — an ML/TF risk assessment and the policies built on it, documented in writing and approved by a senior manager. It was due before you provided a designated service. Thousands of firms enrolled by 29 July and stopped there. We build the rest, from your answers, in about twenty minutes of your time.
AML solutions developed and led by a Chartered Accountant with 20+ years of experience across public practice, business operations, audit, and government sectors.
AUD $595 for the Program Pack, self-serve and delivered within one working day. AUD $995 done-with-you, reviewed and finalised in a working session. Launch pricing, and no GST — we're not GST-registered.
Two documents, and neither is optional.
An AML/CTF program is an ML/TF risk assessment plus the AML/CTF policies that manage the risks it finds. Not one or the other, and not a policy document floating free of any assessment — the policies have to be built on the assessment, which is why a set of policies bought off the shelf has nothing holding it up.
It must be in place before you provide a designated service, documented in writing, approved by a senior manager, and complied with. You also need a compliance officer at management level, notified to AUSTRAC — two different clocks, and most firms have only heard of one.
If a template you've been handed talks about a "Part A" and a "Part B", it predates the reforms. That structure is gone, and independent evaluations now cover the whole program.
Regulated since 1 July 2026.
Not certain whether your services are captured? Say so on the form. Which of your services are designated services is the first real question, and getting it wrong in either direction is expensive. We'll tell you straight, and we won't invoice you for work you don't have to do.
AUSTRAC published these enrolment counts six days before the deadline. Every one of these businesses now owes a written program:
Enrolment applications received, per AUSTRAC, 23 July 2026. Enrolling was the visible deadline; writing the program is the one nobody set a date on.
Four documents, written for your firm.
Documents that change when your answers change.
There is a simple test for any generated AML/CTF program, and it is worth applying to ours as much as to anyone's: would it have come out the same if you had answered differently? The Act requires an assessment of the risks your business may reasonably face. A document that is identical whatever you type into it has not assessed anything — it has printed something.
So in your pack, every rating begins at a stated baseline for that service and then moves according to what you told us — and each movement is shown. Not "this is Medium-High", but which rule fired, which direction it moved the rating, and which question triggered it.
Your risk assessment also lists the rules we tested that didn't apply to you. Showing what was ruled out is worth more to whoever evaluates you than showing only what was found.
The practical effect is that you can argue with us. If a rating is wrong for your firm you can see exactly why we reached it and say so — which is a far better position than being handed a number with no reasoning attached and having to take it on faith. It is also the position your independent evaluator will want you in, three years from now, when they ask how the assessment was actually done.
Two flat fees. Launch pricing.
Already quoted on our earlier AUD $395 or AUD $1,495 offers? Those prices are honoured on the terms you were quoted.
Your first report is due in 2027.
Compliance reporting runs on financial years, not on your enrolment anniversary — a distinction that catches people out. You submit between 1 July and 30 September each year, covering the previous 1 July to 30 June. For firms regulated from 1 July 2026, that means your first report covers FY2026-27 and is submitted between 1 July and 30 September 2027.
That is far enough away that there is nothing to buy for it today, and close enough that it belongs on a calendar. Your pack puts it on one, along with your three-year review clocks and your first independent evaluation deadline — which is set by the last two digits of your AUSTRAC Account Number and is the date almost nobody works out for themselves. We'll be in touch about report support when the window approaches; you commit to nothing now.
Expertly Designed. Commercially Grounded.
AML solutions developed and led by a Chartered Accountant with 20+ years of experience across public practice, business operations, audit, and government sectors.
We prepare, you adopt. A senior manager in your business approves the program in writing — that's what brings it into force, and it has to be someone in your firm. We don't act as your AML/CTF compliance officer either, and having written your documents we're disqualified from performing your independent evaluation. We'll refer you for that.
This is a document preparation service. It isn't legal advice. The terms of engagement set out exactly where the line sits.
Common questions.
Not ready to start? Ask.
Tell us where you're up to and we'll come back with a straight answer — including "you don't need us" if that's the answer.
About twenty minutes of questions, and your pack is with you within one working day.
Start now — 20 minutes →“Compliance shouldn't paralyze your operations. Our frameworks are developed and led by a Chartered Accountant with 20+ years of experience bridging the gap between government audit requirements and real-world business operations.”
We read every message the day it arrives. Most responses come within a few hours.
Get the program written.
You're on the register. The documents behind it are the part AUSTRAC will actually ask to see — and there is no deadline coming that will make writing them any easier. Twenty minutes of questions, delivered within one working day.
Start now — 20 minutes →We prepare AML/CTF documents for your review and adoption. We don't give legal advice, we don't act as your compliance officer, and we can't perform your independent evaluation. Deplexify is not affiliated with, endorsed by, or acting on behalf of AUSTRAC.