Guides
AUSTRAC Tranche 2, in plain English.
Short, practical guides to AML/CTF compliance for small Australian businesses. Written for a two-person firm, not a bank.
AUSTRAC Tranche 2: every key date for 2026
Enrolment opens 31 March, obligations start 1 July, enrol by 29 July. The full 2026 timeline.
Read guideSMR vs TTR: what is the difference?
A clear comparison: what triggers each report, the thresholds, and the AUSTRAC timeframes.
Read guideWhat is an AMLCO, and can you be your own?
What an AML/CTF compliance officer does, and how small firms can appoint their own.
Read guideAUSTRAC penalties: what non-compliance actually costs
What non-compliance can cost, and why compliance is the cheaper path.
Read guideWhat is an AML/CTF program (and how to write one)?
What an AML/CTF program is, and how to build one from AUSTRAC's starter kit.
Read guideWhat is customer due diligence (CDD)?
Identifying and verifying customers: initial vs ongoing, simplified vs enhanced.
Read guideAML record-keeping: the 7-year rule in plain English
Which records to keep, for how long, and from when the clock starts.
Read guideAML requirements for real estate agents (2026)
What a real estate agency must actually do under Tranche 2, step by step.
Read guideAML requirements for accountants (2026)
What accountants and TCSPs must do, based on the services they provide.
Read guideAML requirements for law firms (2026)
What a law firm must do, with legal professional privilege respected.
Read guideAML requirements for conveyancers (2026)
What a conveyancing practice must do under Tranche 2, step by step.
Read guideAML requirements for jewellers (2026)
What a jeweller must do, and how the A$10,000 cash threshold works.
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