Risk Assessment & AML Program – Full Inclusions & Key Limits
Updated as at 3 March 2026
This table sets out the inclusions, scope and key limits for the Risk Assessment & AML Program package ($3,995 + GST). It should be read together with the main AML/CTF Compliance service page, the “Quick‑Start AML Packages” section and the pricing panel when deciding if this package is appropriate for your business. This is a one‑off fixed‑fee engagement for a single reporting entity (not a subscription).
| Inclusion | What This Means In Practice | What Is Included (Units / Frequency / Caps) | Out‑Of‑Scope / Custom Quote Only |
|---|---|---|---|
| Customised AML/CTF Program | A tailored AML/CTF Program for your business (simple, non‑complex products) aligned with AUSTRAC guidance. | One AML/CTF Program for one Australian reporting entity, delivered as an editable Word document, prepared once per engagement. | Additional entities, reporting groups or multiple business lines; complex products or services; major rewrites after significant business changes; remediation work to fix past non‑compliance. |
| Business Risk Assessment | A documented ML/TF/PF risk assessment across your products, customers, channels and geographies. | One written ML/TF/PF Business Risk Assessment for a single legal entity, including a risk rating table and summary of key controls. | Group‑wide risk assessments across multiple entities; complex or high‑risk products and services; deep‑dive country risk studies; periodic updates outside this package. |
| Compliance Checklists / Registers | Practical tools so your team can manage AML obligations day‑to‑day. | Up to 3 checklists or registers (for example, CDD checklist, transaction monitoring checklist) provided in editable format. | Building automated systems or software; designing frameworks for new products or new designated services; populating registers with historical data; ongoing maintenance after initial delivery. |
| Staff Guidance Documents / How‑To Materials | Plain‑English notes showing staff how to follow the Program in practice. | Up to 3 staff guidance documents (for example, “How to complete KYC”, “How to escalate suspicious activity”) tailored to your procedures. | Full training manuals; role‑specific deep‑dive guides; translations into other languages. |
| Handover / Training Session | A live walkthrough so senior staff understand the Program and Risk Assessment. | One live handover session of up to 60 minutes via Teams or Zoom for up to 20 attendees. | Multiple repeat sessions; in‑person workshops; bespoke firm‑wide training programs. |
| Follow‑Up Support / Q&A After Delivery | Short, time‑boxed support while you digest the documents and start implementation. | Email Q&A and/or one follow‑up call of up to 30 minutes, available within 3 days of delivery. | Ongoing advisory support beyond 3 days; project‑managing implementation; assisting with AUSTRAC enquiries or enforcement matters. |
| Implementation Checklist / Next Steps Summary | A simple action list so you know what to do next internally. | A short implementation checklist or one‑page “Next Steps” summary for your team. | Any further implementation or remediation work, which is scoped and quoted separately. |
Assumptions & Limits For This Package
Who this package is designed for
- Single reporting entity providing one or more designated services
- Simple, non‑complex products and services
- Straightforward structure (one legal entity)
- Low–medium complexity
- Not suitable for large, complex reporting groups or banking groups
When this package should be custom‑quoted (not bought online)
- Reporting groups or multiple legal entities / branches
- Highly complex group structures
- Very high‑risk industries
- Significant legacy AML/CTF issues
- Prior serious AUSTRAC findings
- Active enforcement or remediation programs
- Launch of a new designated service
Typical turnaround time
- Usually 3–4 weeks from receiving all requested information and material
- Timeframe assumes timely client responses and availability
- Timeframes are estimates only and may be affected by factors outside our control
Examples of work always treated as separate engagements
- Historical remediation projects
- Independent AML/CTF Reviews or statutory Independent Evaluations
- AUSTRAC enforcement or audit responses
- Large‑scale staff training programs
- Complex multi‑entity Program design
- Major restructuring of existing Programs due to significant business changes
All packages can be tailored to your business needs. The listed price is a standard estimate for small to medium enterprises; final pricing may vary based on the size, complexity and risk profile of your business. Full engagement terms for this package are set out in the Terms and Conditions of Engagement.
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What Our Clients Say About Working With Us
Jason Gold
Managing Director, IT Pro Tech"At IT Pro Tech, we partner with businesses who share our commitment to integrity. Click Legal stands out in the legal space for exactly that. Hannah and the team impressed us with their deep understanding of compliance-heavy sectors and their ability to offer clear, practical legal advice without overcomplicating the process."
Guy Raven
Head of Surveillance Advisory, Westpac"Hannah demonstrated exceptional leadership and regulatory expertise. She played a pivotal role in developing the control room and establishing a strong regulatory compliance framework... Beyond her deep technical knowledge, Hannah is an outstanding mentor, approachable, and insightful."
Antonella Spatola
Founder, True To You Charity"Hannah at Click Legal has supported the board in establishing our documentation and legal framework to start on a solid footing. We appreciate her authentic interest in the charity's mission... We appreciate how she explains complex concepts in simple terms, avoiding legal jargon."
Sharon Yang
Head of Investment & Capital Mgmt"Hannah and Click Legal have provided reliable legal advice to us. It has been integral in helping us meet all our AFSL obligations with confidence. I highly recommend their services to any business needing compliance support."
Jason Watts GAICD
Managing Director, Neu Capital"Hannah blends rare regulatory expertise with sharp business acumen. As her Manager at Barclays, I watched her master APRA/ASIC frameworks and turn them into clear, actionable strategies... She's the kind of professional who simplifies complexity, and her integrity is unmatched."
Stuart Hill
Program Manager/Operations Manager"Hannah has exceptional depth of knowledge and expertise in building robust legal, risk, and compliance frameworks... Beyond her technical expertise, Hannah is a strategic thinker and a genuinely kind, friendly person who always supports and helps others."
Jason Lowry
Co-Founder, LPG"Could not recommend Click Legal more highly! Must have for start ups and small business owners looking to trust someone to help set up your business right!"
Jason Gold
Managing Director, IT Pro Tech"At IT Pro Tech, we partner with businesses who share our commitment to integrity. Click Legal stands out in the legal space for exactly that. Hannah and the team impressed us with their deep understanding of compliance-heavy sectors and their ability to offer clear, practical legal advice without overcomplicating the process."
Guy Raven
Head of Surveillance Advisory, Westpac"Hannah demonstrated exceptional leadership and regulatory expertise. She played a pivotal role in developing the control room and establishing a strong regulatory compliance framework... Beyond her deep technical knowledge, Hannah is an outstanding mentor, approachable, and insightful."
Antonella Spatola
Founder, True To You Charity"Hannah at Click Legal has supported the board in establishing our documentation and legal framework to start on a solid footing. We appreciate her authentic interest in the charity's mission... We appreciate how she explains complex concepts in simple terms, avoiding legal jargon."
Sharon Yang
Head of Investment & Capital Mgmt"Hannah and Click Legal have provided reliable legal advice to us. It has been integral in helping us meet all our AFSL obligations with confidence. I highly recommend their services to any business needing compliance support."
Jason Watts GAICD
Managing Director, Neu Capital"Hannah blends rare regulatory expertise with sharp business acumen. As her Manager at Barclays, I watched her master APRA/ASIC frameworks and turn them into clear, actionable strategies... She's the kind of professional who simplifies complexity, and her integrity is unmatched."
Stuart Hill
Program Manager/Operations Manager"Hannah has exceptional depth of knowledge and expertise in building robust legal, risk, and compliance frameworks... Beyond her technical expertise, Hannah is a strategic thinker and a genuinely kind, friendly person who always supports and helps others."
Jason Lowry
Co-Founder, LPG"Could not recommend Click Legal more highly! Must have for start ups and small business owners looking to trust someone to help set up your business right!"
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