Enrolments are now open for newly regulated entities under AUSTRAC’s AML/CTF reforms. This is your first formal step into the new framework.

To get started, visit: https://www.austrac.gov.au/new-austrac/enrol-or-register

---

 Where the shift is happening

As part of the broader AML/CTF reforms, you’ll be expected to:

• understand the client and the transaction before providing services

• assess risk at the point of engagement

• maintain clear, auditable records

• apply ongoing due diligence across the life of the file

  
  

Regulators won’t just look at what you did, they’ll look at when you knew what, and how you recorded it.

---

Here’s the reality for conveyancers

Most of the risk in a property transaction doesn’t sit neatly inside an AML checklist.

It sits in the transaction itself:

• who’s involved

• how they’re acting

• what’s actually going on behind the contract

Traditionally… that full picture comes out too late.

Halfway through the file. When timelines are tight and the risk is already yours.

---

Where CCA fits (alongside AML providers)

To be clear, CCA is not here to replace an AML/CTF provider. CCA was built to structure client onboarding and surface transactional risks long before AML/CTF came into focus.

Through structured intake, CCA captures key risk indicators, including those relevant to AML, while also bringing to light the broader transaction risks that sit outside the AML framework.

Because in practice, it’s not just AML that matters, it’s the full picture.

AML providers step in to support identity verification, screening, and reporting obligations.

CCA sits earlier.

At the very start of the transaction, before your new file has been opened and before services are provided, giving you visibility across the entire transaction, not just AML indicators.

Because the real risk in a settlement extends far beyond AML, CCA brings the full scope of the deal into view from the outset.

So, before you start acting, you can ask:

Does this transaction fit our risk profile? Are we comfortable to proceed?

Alternatively, do we decline to act before the exposure sits with us.

---

What CCA gives you upfront

• structured client and transaction disclosure from day one

• early visibility of non-standard scenarios and risk indicators

• a clear, formatted, time-stamped record of what was disclosed and when

• secure intake that keeps sensitive information out of email

---

Why this matters

AML/CTF has simply made one thing clear:

You need visibility before you commit, not after.

And not just for AML risks, for the entire transaction picture.

If you’re already using CCA, you’re already working this way.

If you’re not, now’s the time to understand what that early visibility actually looks like in practice.

---

A practical reminder

Enrolment is just step one.

What matters next is how you:

• collect information

• assess risk

• and how you document your decisions

If you’re already using CCA, you’re ahead of the curve. If you’ve been watching from the sidelines, this is your moment to take a closer look.

We’re here to support conveyancers through the shift with a practical onboarding tool that make sense for the way you actually work.