Deplexify.
Menu
DeplexifyAboutSecurityStart an enquiry
AML/CFT — New Zealand

Your AML/CFT annual report,
sorted — start free.

Every DIA-supervised business — real estate agencies, law firms, conveyancers, accountants, trust & company service providers — must file an annual report through AML Online by 31 August, and must hold a written risk assessment and AML/CFT programme behind it. Ten minutes of plain-English questions gets you your filing answers, formatted and ready — and a scorecard showing whether the documents behind them would stand up.

Get my answers free →See a sample pack

No sign-up to see your results. Your answers stay in your browser unless you email yourself a copy.

AML solutions developed and led by a Chartered Accountant with 20+ years of experience across public practice, business operations, audit, and government sectors.

Compliance scorecardExample
Risk assessment (s.58)Amber
AML/CFT programme (s.57)Red
Independent audit clockGreen
CDD triggersAmber
Illustrative only. Your scorecard is generated from your own answers.
Free
To see exactly where you stand
10 min
Plain-English questions, no paperwork
NZ$249
Enough on its own to file properly
How it works

Ten minutes to know exactly where you stand.

01
Answer plain-English questions
About ten minutes, no paperwork needed to hand. The statutory language stays on our side of the curtain.
02
Get your answers + scorecard instantly
Your AML Online answers formatted section by section, plus a red/amber/green scorecard across your risk assessment, programme, audit clock and CDD triggers.
03
Upgrade only if something's red
Green? File and get on with your year. Red? The packs below fix exactly what's flagged — generated for your firm from the answers you already gave.
Plans

Start free. Pay only for what the scorecard says you need.

Four levels, one path. Every paid plan is built from the same answers you gave the free tool, so nothing is asked twice. The prices below are what you pay in your first year; what it costs after that is its own question, answered underneath.

The reporting window is 1 July – 31 August. There are no extensions.
First year — what you start with
How every paid pack works:1 · Answer plain-English questions about your firm2 · Your documents are generated from those answers3 · A person reads every pack before it goes out4 · Delivered within one working day — yours to review and approve, with email support after
Start here
Annual report tool
Free
→Plain-English questions, about 10 minutes
→Your AML Online answers, formatted and ready to type in
→Compliance scorecard — risk assessment, programme, audit clock, CDD triggers
→No sign-up to see results
File with confidence
Report Pack
NZ$249
one-off
Enough on its own to get your annual report filed properly — the upgrades are optional, not required.
→Everything in the free tool
→Full working paper — the evidence and reasoning behind every answer, filed with your records for your next audit
→Click-by-click AML Online filing walkthrough
→Deadline reminders this window + next year's calendar
→Email support while you file
Most popular
Fix the documents
Compliance Pack
NZ$595
one-off
Everything in the Report Pack, plus:
→s.58 risk assessment & s.57 programme written for your firm from your answers — not a template
→Annual report answers + CDD register, and your compliance calendar (.ics)
→Live compliance workbook (Excel) — CDD, training, findings, EDD, SAR and vetting registers with your entries already filled in, plus a compliance-officer checklist of your year
→Working-tools guide — new-customer step-by-step, red-flags desk card, training refresher, goAML walkthrough — plus CDD request letter and beneficial-ownership declaration templates
→12 months of email support and regulatory-change alerts for your sector
Done with you
With a chartered accountant
NZ$995
then NZ$495/yr or NZ$49.95/mo
Everything in the Compliance Pack, plus:
→Documents reviewed and finalised with you in a working session
→This year's annual report prepared and filed together
→Priority support line
→50% to begin, 50% on your approval — nothing filed before you've confirmed it
Every year after
The build is year one. After that it's a filing, not a project.

That's why the yearly figures are lower than the one-offs above: NZ$595 builds your documents once. After that, every tier has its own following-year price — and nothing is committed to at signup; start whenever it suits.

Keep doing it yourself
NZ$249each window
The Report Pack again: your answers, your working paper and the filing walkthrough, for the year in front of you. The risk assessment and programme you already own stay yours.
Keep the documents current
NZ$349a year, optional
For Compliance Pack owners: your risk assessment and programme refreshed from a what's-changed questionnaire, the report working paper, and another year of support and change alerts. Drop to the Report Pack any year it's all you need.
Leave it with us
NZ$495 a yearor NZ$49.95 a month
Your documents kept current for your sector, and each year's report prepared and filed with you — whichever tier you started on.

No GST — we're not GST-registered. Launch pricing, confirmed in writing before any invoice issues · full terms. Not sure which you need? Tell us where you're up to and we'll say straight — including "you don't need us" if that's the answer.

See before you buy
A complete sample pack for a fictional real estate agency — every document exactly as you'd receive it, working tools included. The pack also ships a live Excel workbook and letter templates, which aren't shown there.
View the sample pack →
Why we build it this way

Why the documents matter more than the report

The annual report itself is around sixty questions about your business — though not all of them apply to any one firm — and the free tool and the Report Pack handle those properly. What DIA actually penalises is what sits behind the answers: a missing or generic risk assessment (s.58), a programme that doesn't match how the firm really works (s.57), and audits that quietly went overdue (every 3 years, s.59). Those are the documents the Compliance Pack builds — from your answers, for your firm.

How the engine builds them →

Who this is for

Businesses supervised by the DIA.

Real estate agencies
Sale and purchase of land and property, and trust accounts.
What goes wrong here →
Law firms & conveyancers
Conveyancing, trust accounts, forming companies and trusts, client funds.
What goes wrong here →
Accountants & bookkeepers
Company and trust formation, registered office, client funds, transactions — and the four rules that decide what the Act actually catches.
What goes wrong here →

Not certain whether you're captured? If you're genuinely not sure, ask us — we'll tell you straight, and we won't invoice you for a report you don't have to file.

Who's actually doing the work

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.

Chartered Accountant Led
A CA ANZ member, qualified over twenty years, leads the work.
Government & Audit Backed
Built on experience in audit and government finance, where the file has to stand up to inspection.
Commercially Minded
Years spent running businesses, not only advising them — so the process fits around how your firm actually works.

We prepare, you approve. You are the one who attests to the report, and we never file anything you haven't confirmed. That's not a formality — the obligations are your firm's, and the sign-off has to be yours.

This is a document preparation and filing service. It isn't legal advice, and we don't act as your AML/CFT compliance officer. The terms of engagement set out exactly where the line sits — they're worth the three minutes.

FAQ

Questions people actually ask.

Am I even captured by the AML/CFT Act?
If you're a real estate agency, law firm, conveyancer, accounting or bookkeeping practice, or you provide trust & company services, very likely yes — DIA supervises all of these. If you're genuinely not sure, ask us — we'll tell you straight, and we won't invoice you for a report you don't have to file. Our self-serve packs are built for all five of those sectors — real estate agencies, law firms, conveyancing practices, accounting or bookkeeping practices, and trust & company service providers. If your business is none of them, tell us about it and we quote by hand rather than taking payment first.
What happens if I miss 31 August?
There are no extensions — the window simply closes. If you're going to be late, the right move is to contact DIA before the deadline rather than go quiet, and to get the report in as soon as possible after. Better: use the free tool today and see how much of it is already done.
What are the consequences of not filing at all?
Failing to prepare or provide the annual report is a civil liability act under the AML/CFT Act 2009 — section 78(eb). The supervisor's options run from a formal warning or a censure, through an enforceable undertaking or an injunction, up to applying to the High Court for a civil pecuniary penalty. Non-filers get followed up. The practical point: late is a great deal better than never, so if you've already missed a window, say so and we'll deal with it rather than pretend it didn't happen.
Can't I just download a free template for the risk assessment?
DIA has warned specifically about this: section 58 requires an assessment of the risks your business actually faces, and generic template content is the most common way documents fail. That's why every document we generate is built from your questionnaire answers — your services, your customers, your channels — not a fill-in-the-blanks template.
Do you file the report for me?
On the free tool, Report Pack and Compliance Pack, you file it yourself — the walkthrough tells you exactly what to type, and the attestation at the end is yours to make, as the Act intends. On Done-with-you we prepare and file it together, and nothing is lodged until you've read and approved every word.
Who signs it off?
You do. We prepare, you approve. You are the one who attests to the report, and we never file anything you haven't confirmed. That isn't a formality — the obligations are your firm's, and the sign-off has to be yours.
What about the independent audit?
Your risk assessment and programme must be independently audited every 3 years. The free tool's scorecard tells you where your audit clock stands. One thing we're upfront about: if we wrote your documents, we can't also audit them — independence rules — and we'll point you to people who can.
Is this legal advice?
No. This is a document preparation and filing service. It isn't legal advice, and we don't take on the AML/CFT compliance officer role — that's held by a person your firm appoints under section 56 (for a firm with employees, one of your own people). The terms of engagement set out exactly where the line sits.
Is the free tool really free?
Yes. No sign-up to see your results, and your answers stay in your browser unless you choose to email yourself a copy. It's how we'd rather you meet us: useful first.
All compliance services →NZ AML/CFT rules map →hello@deplexify.com →

Find out where you stand in ten minutes

No sign-up, no card, no obligation. If the scorecard comes back green, file it yourself and get on with your year.

Get my answers free →See a sample pack

We prepare AML/CFT documents and filings for your review and approval. We don't give legal advice and we don't act as your compliance officer. Support means help using what we've prepared — it isn't legal advice. The free tool provides general information generated from your own answers. Deplexify is not affiliated with, endorsed by, or acting on behalf of the Department of Internal Affairs.

Chat on WhatsApp