Insights & Analysis

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Expert insights, regulatory analysis, and practical guidance on AML compliance, Tranche 2 requirements, and the evolving regulatory landscape.

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Stay informed with our expert analysis on compliance requirements, regulatory changes, and best practices for Tranche 2 entities.

tranche 2 for real estate a 5 phase plan
Tranche 2Real Estate

Tranche 2 for Real Estate: a 5-phase plan to hit 1 July 2026

If you sell or manage property and provide designated services, you’re on the hook from 2H26. The work isn’t mystical: build your AML/CTF program off a solid ML/TF/PF risk assessment, stand up customer due diligence, implement screening and transaction monitoring, train your people, and prove it all works. Here’s the practical, time-boxed plan to get there without the last-minute scramble.

#Tranche 2#AUSTRAC#AML/CTF+7
Louise Lane

Louise Lane

18 Aug 2025

6 min read
Understanding Australia's Tranche 2 Expansion
AMLTranche 2

90,000 New Reporting Entities: Understanding Australia's Tranche 2 Expansion

On 1 July 2026, Australia will undergo the most significant anti-money laundering (AML) reform in its history. Tranche 2 of the AML/CTF Act will bring an estimated 90,000 new businesses - lawyers, accountants, real estate agents, jewellers, and trust service providers - into AUSTRAC’s regulatory net. This seismic shift will quadruple the number of reporting entities and create new compliance obligations for entire industries that have never before faced AML regulation. The implications are far-reaching: from new costs and technology requirements to enforcement risk and market consolidation. If you're in one of the affected sectors, the countdown has begun. Compliance isn’t optional - and those who delay risk falling behind. This blog breaks down what’s changing, why it matters, and how your business can prepare for what some are calling Australia’s “AML reckoning.”

#AUSTRAC#AML#Tranche 2
Louise Lane

Louise Lane

8 Aug 2025

7 min read
What to do when
AMLTranche 2

Your Tranche 2 Preparation Timeline: What to Do When

With Australia’s Tranche 2 AML obligations kicking in on 1 July 2026, the countdown has begun. Whether you’re a lawyer, accountant, real estate agent, or jeweller, getting compliance-ready takes time—and the clock is ticking. This post outlines a month-by-month preparation timeline covering risk assessments, AML/CTF Program development, staff training, technology setup, and enrolment. If you’re unsure when to act or what to prioritise, this guide breaks it down so you can move with confidence. Start early, stay structured, and be ready before the deadline.

#AML Compliance#Tranche 2#AUSTRAC+12
Louise Lane

Louise Lane

6 Aug 2025

3 min read
How To Build A Register of Compliance Obligations
Regulatory Compliance

How To Build A Register of Compliance Obligations

Facing a maze of ever-evolving regulations, businesses can no longer afford to “fly blind.” A centralised compliance obligations register turns that complexity into a strategic advantage by cataloguing every legal requirement, assigning clear ownership, and embedding review triggers so you stay ahead of change. In this post, we’ll show you how to launch yours in phases - starting with high-risk areas, accelerating development with smart tools and templates, and scaling out to full coverage - so compliance moves from a reactive scramble to a driver of operational excellence.

#compliance#risk-management#compliance-monitoring
Louise Lane

Louise Lane

30 June 2025

8 min read
Conducting an ML/TF Risk Assessment: A Quick Ready Reckoner
Risk Assessment

Conducting an ML/TF Risk Assessment: A Quick Ready Reckoner

An effective ML/TF Risk Assessment involves nine key steps, starting with preparing your Board's Risk Appetite Statement and documenting your methodology. It proceeds through inherent and residual risk assessments, testing controls, mapping residual risk to appetite, creating action plans for out-of-appetite risks, establishing Key Risk Indicators, and finally, updating your Transaction Monitoring Program rules and training.

#risk-management#risk-assessment
Louise Lane

Louise Lane

20 May 2025

2 min read
Navigating Your AML Independent Review: 10 Quick Tips
AML

Navigating Your AML Independent Review: 10 Quick Tips

Australia's AML/CTF laws mandate regular independent reviews of your AML/CTF Program. This impartial assessment ensures you're managing money laundering and terrorism financing risks effectively and complying with legal obligations. Learn 10 quick tips for selecting an independent reviewer, understanding what to expect during the review process, and how to act on the findings to strengthen your AML/CTF framework.

#aml#policies-procedures#audit-readiness
Louise Lane

Louise Lane

13 May 2025

6 min read
Preparing for the Tranche 2 AML Changes: Your Five Key Steps by June 2026 (A Guide for Directors and Executives)

Preparing for the Tranche 2 AML Changes: Your Five Key Steps by June 2026 (A Guide for Directors and Executives)

Australia's AML/CTF laws are expanding, bringing a wide range of businesses and professions, including real estate, conveyancing, precious metals, and professional services, under new compliance obligations. Prepare your business for these "tranche 2" changes with five key steps: enrolling with AUSTRAC, completing a risk assessment, preparing your AML/CTF program and policy documents, and appointing an AML/CTF Compliance Officer – all by June 2026.

#aml#regulatory-change#corporate-governance+1
Louise Lane

Louise Lane

2 May 2025

5 min read