AML/CTF Compliance Pack – Real Estate Agencies (Tranche 2 | Australia)

This AML/CTF Compliance Pack is built for Australian real estate agencies captured by the Tranche 2 reforms through the table 5 brokering service. It combines a lawyer-drafted AML/CTF Policy, a worked Business Risk Assessment and an operational process/forms pack so agencies can document how they identify, manage and report ML/TF and proliferation financing risks in line with AUSTRAC guidance.

What’s included in this pack:

• AML/CTF Policy Template – Real Estate Agencies (Tranche 2 | Australia) – a full AML/CTF policy covering governance, the compliance officer role, risk factors, CDD on customers and counterparties, reporting and record keeping for real estate brokering.
• AML/CTF Process Document and Forms Template – Real Estate Agencies (Australia) – an operational pack of 27 forms across four parts, covering personnel roles, CDD, escalation and SMR decisions, policy maintenance, effectiveness testing, independent evaluation and annual reports to the governing body.
• AML/CTF Business Risk Assessment Template – Real Estate Agencies (Australia) – an editable multi-tab spreadsheet with worked ML/TF and proliferation financing risk factors, a 214-country jurisdiction rating tool and built-in registers for AUSTRAC risk products and feedback.

Use this pack if you:

• Broker the sale, purchase or transfer of real estate in Australia;
• Have been newly captured as a reporting entity under the Tranche 2 reforms;
• Need a documented AML/CTF program before providing designated services;
• Want your policy, risk assessment and forms to be consistent and mutually reinforcing;
• Prefer worked examples over starting every document from scratch.

It is suited to:

• Residential, commercial and rural agencies;
• Sole trader agents and single-employee businesses;
• Franchise offices and agencies within a reporting group;
• Principals, directors and newly appointed AML/CTF Compliance Officers responsible for AML/CTF governance;
• Agencies preparing for independent evaluation of their AML/CTF program.

How this pack fits together:

• The Business Risk Assessment sets out and rates your ML/TF and proliferation financing risks across customers, channels, jurisdictions and internal practices.
• The Policy explains how your agency manages those risks, from governance and CDD through to reporting, record keeping and ongoing oversight.
• The process document and forms give staff concrete steps and records to follow so you can evidence every due diligence, escalation and reporting decision.

If purchased separately, these three templates would total $2,149 ex GST. This pack is priced at $1,850 ex GST, saving you $299 (around 14%) compared to buying the individual products.

You receive an editable Word policy, an editable Word process/forms pack and an editable multi-tab Excel risk assessment. Bracketed placeholders mark where to insert your agency’s details, risk ratings and dates, and the example risk factors and controls are drawn from AUSTRAC’s real estate starter kit and associated guidance. They are not exhaustive; you should review and tailor each document to your agency’s services and risk profile and obtain legal advice before adoption.