AML/CTF Reforms Now In Effect

AML/CTF Compliance.
Simplified.

Australia's AML/CTF framework has expanded. Whether you're a new reporting entity navigating obligations for the first time, or an existing one adapting to reform — RUCK Compliance gives you everything you need in one place.

ruckcompliance.com.au/portal
AML Portal
Smith & Co Pty Ltd
Accountant ABN 12 345 678 901 AML/CTF Portal
AML/CTF Framework Documents
ML/TF Risk Assessment
Saved by J. Smith — 14 Mar 2026
Complete
AML/CTF Policy Document
In progress — last edited today
In Progress
Process Document
Complete last — after Policy
Not Started
Upcoming Tasks
Annual Compliance Report
Due — 31 Mar 2026
Due Soon
Annual Staff Training
3 of 4 personnel complete
In Progress
25+
AML/CTF Forms & Documents
100%
Australian-Built & Operated
$800
Per Year After Trial
1 month
Free — No Upfront Payment Required
See It In Action

Everything You Need to Stay Compliant — In One Place

Watch how the AML Portal by RUCK Compliance helps you build, manage, and evidence your compliance program — from Risk Assessment to ongoing monitoring.

Guided Risk Assessment, Policy & Process Document
Digital client onboarding with automatic PDF outputs
KYC, PEP & sanctions screening built in
Integrated registers — everything logged & evidenced
Expert guidance accessible directly inside the platform
Start Free Today Explore Features
AML Compliance Made Simple — 1 min overview
The Reforms Are Here

Australia's AML/CTF Laws Have Changed. Are You Ready?

The AML/CTF Act now covers thousands of new businesses — including accountants, lawyers, real estate agents, and financial advisers. If you provide a designated service, you have legal obligations.

New Reporting Entities

Tranche 2 reforms have brought accountants, lawyers, real estate agents, and more under the AML/CTF Act. You must enrol with AUSTRAC and comply.

Compliance Deadlines

Phased deadlines are now in place. Failing to establish an AML/CTF Program, conduct risk assessments, or report suspicious matters carries serious penalties.

AUSTRAC Enforcement

AUSTRAC actively enforces compliance. Civil penalties can reach hundreds of millions of dollars. Proactive compliance — not reactive — is the only safe approach.

Ongoing Obligations

AML/CTF compliance isn't a one-time exercise. It requires regular reviews, staff training, transaction monitoring, and annual reporting — every year.

Your AML/CTF Obligations

Here's Everything You're Required to Do

As a reporting entity, you must establish and maintain an AML/CTF Program. Here's what that actually means in practice.

Framework Documents
ML/TF/PF Risk Assessment
AML/CTF Policy Document
AML/CTF Process Document
Program Review & Updates
Personnel & Governance
Compliance Officer Appointment
Personnel Due Diligence
Responsibilities Register
Ongoing Staff Oversight
Customer Due Diligence (CDD)
Initial CDD — Individuals, Companies & Trusts
Beneficial Owner Identification
PEP & Sanctions Screening
Enhanced Due Diligence (High Risk)
Ongoing Customer Monitoring
Customer Risk Ratings
AUSTRAC Reporting
Suspicious Matter Reports (SMRs)
Threshold Transaction Reports (TTRs)
Cross-Border Movement Reports
Annual Compliance Report (ACR)
Registers & Training
Initial Staff AML/CTF Training
Annual Refresher Training
Training Register & Records
Escalation & Suspicious Matter Log
Transaction Monitoring Records
Document Retention & Audit Trail

That's a lot. That's exactly why we built the portal.

Every one of these obligations is built into the RUCK Compliance AML Portal — structured, guided, and maintained in one place. No more guessing what you need, when you need it.

Explore the Portal All Services
The AML Portal

Everything in One Secure Place

The RUCK Compliance portal is purpose-built for Australian reporting entities — guiding you from initial setup through to ongoing compliance maintenance.

Smart Document Builder

Build and maintain your Risk Assessment, AML/CTF Policy, and Process Document directly in the portal — with revision history, named authorship, and downloadable Word exports.

Intelligent ICDD Forms

Smart conditional logic adapts the ICDD form to each customer type — hiding irrelevant fields and cutting completion time significantly, without missing a thing.

Tracker & Audit Trail

Log when every form was completed, who completed it, and when it's next due. Link directly to cloud-stored files — everything is one click away at audit time.

Escalation Register

Record and track unusual activity, suspicious matters, enhanced CDD events, and PEP or sanctions hits — all in a searchable, shared register for your team.

Team Collaboration

All authorised staff access the same portal. Work through forms together, assign tasks, and maintain a shared compliance record — no emailing documents back and forth.

Privacy-Conscious Design

We don't store PII within the portal. Client-facing forms are designed to be saved to your own secure storage — local or cloud — keeping sensitive data where it belongs.

Our Services

Everything You Need, In One Place

From the self-managed portal to full-service compliance support — choose the level of assistance that suits your business.

Self-Managed

AML Compliance Portal

Your complete AML/CTF compliance hub — documents, forms, trackers, registers, and reporting tools in one structured, guided platform.

  • Framework document builder with audit trail
  • Intelligent customer due diligence forms
  • Escalation & training registers
  • Tracker with cloud storage linking
  • Team collaboration — unlimited users
  • Word & PDF export for all forms
Learn About our AML Compliance Portal
Professional Service

AML Program Development

Let our team build or update your AML/CTF Program — from a new program for Tranche 2 entities to a reform-ready update for existing reporting entities.

  • ML/TF/PF risk assessment
  • AML/CTF policy & procedures
  • Tailored to your business and sector
  • Risk-based, practical approach
  • 12 months ongoing support included
  • Available with reform-readiness packs
Learn About AML Program Development
Independent Review

Independent AML Evaluations

An independent, objective assessment of your AML/CTF Program — design and operational effectiveness — providing confidence that your program is fit for purpose.

  • AML program design assessment
  • Operational effectiveness review (optional)
  • ML/TF risk assessment review
  • Gap analysis & recommendations
  • 12 months ongoing support included
  • Meets AUSTRAC best practice guidance
Learn About Independent AML Evaluations
Pricing

Transparent, Affordable Pricing

Compliance shouldn't cost a fortune. The portal is just $800/year after your free trial — and our professional service packs are priced to compete.

Free Trial Offer

AML Compliance Portal

Full access — every document, form, tracker, and register included. No tier restrictions, no hidden costs.

$800
per year  ·  cancel anytime
From

Reform Readiness Pack

$3,500

  • AML program update
  • ML/TF/PF risk assessment review
  • 12 months ongoing support
View Details
From

Full Compliance Health Check

$4,500

  • Independent design assessment
  • Operational assessment
  • Risk assessment review
  • 12 months ongoing support
View Details
Enterprise Plan
Branded Portal for Your Organisation
White-label branding · Branded client forms · Custom fields · Multi-entity management · Custom domain
CDD Outsourcing
In Partnership with iDeed's ARCaml

Customer Due Diligence, Outsourced

We've partnered with iDeed's ARCaml to deliver CDDaaS — enabling you to meet your AML/CTF CDD obligations efficiently and with confidence.

KYC/KYB identity & business verification
Beneficial ownership identification
PEP & sanctions screening
Customer risk rating
Record keeping & AUSTRAC reporting
Learn About CDDaaS
Identity Verification

KYC/KYB checks for individuals and businesses — fast, accurate, and fully compliant.

Beneficial Ownership

Full beneficial owner mapping and verification, including complex corporate structures.

PEP & Sanctions

Real-time screening against PEP lists and international sanctions databases.

Risk Assessment

Automated customer risk ratings, with audit-ready records and AUSTRAC reporting support.

Why RUCK Compliance

Practical Experience. Local Insight. Real Value.

We're not a big consulting firm adding AML compliance to a long list of services. This is what we do — with the experience, local knowledge, and commitment to simplicity that sets us apart.

Practical Industry Experience

We bring operational know-how to the table — helping you make the right risk-based decisions without slowing down your business.

Local Insight, Global Awareness

As an Australian-based company, we have in-depth knowledge of Australia's AML landscape — while staying informed about international developments.

Competitive Excellence

Low costs and high standards — a cost-effective compliance solution without compromising on quality.

More About Us
Keep it Simple
"Complexity is your enemy. Any fool can make something complicated. It is hard to keep things simple."
— Richard Branson, Entrepreneur and Business Magnate
Do Things Differently
"The people who are crazy enough to think they can change the world, are the ones who do."
— Steve Jobs
Success
"There are no secrets to success. It is the result of preparation, hard work, and learning from failure."
— Colin Powell

Ready to Get Compliant?

Join RUCK Compliance today. Your first month is free — cancel anytime.