About AML Simple
AML compliance shouldn’t cost $28,000.
The government estimates it costs up to $28,650 to set up an AML/CTF program from scratch (Government Regulatory Impact Statement). We built a better option.
For years, compliance has meant hiring consultants, signing enterprise contracts, and navigating hundreds of pages of legislation - tools built for big banks, priced for big budgets. We think that’s wrong.
Small agencies face the same obligations as large ones. They deserve a solution that fits their size, their budget, and their working day.
AML Simple exists to make that possible.
What we believe
Built on four principles.
Compliance is a workflow, not a project.
A one-off consultant engagement gets you a document. What you actually need is a system that keeps working - screening clients, storing records, and flagging changes - every day, not just at setup. We built a tool you run continuously, not a report you file once.
Tool and advice are different things. We keep them separate.
Some providers blur the line. We don't. AML Simple is a compliance workflow tool - it structures your work, automates your screening, and generates your program document. It does not tell you what decisions to make. When you need professional guidance, our Expert Advice service connects you with qualified AML/CTF professionals. Clear boundaries. Clear pricing. No grey areas.
Your data belongs in Australia.
Every record you create, every client you verify, every document you generate - it all lives in Sydney, encrypted at rest and in transit. We don't move your data offshore, and we store it for the full seven years required by law. When AUSTRAC comes knocking, your records are here, intact, and ready.
Small agencies deserve enterprise-grade compliance.
A five-person agency has the same legal obligations as a 500-person firm. The difference shouldn't be tens of thousands of dollars. We built the same capabilities - client screening, sanctions checks, program generation, record keeping - and made them accessible from A$79 a month, with no minimums and no sales calls.
Program Starter Kit
We follow the regulator’s own structure.
AUSTRAC doesn’t just tell agencies what to do - it publishes a recommended program structure to help small businesses get started. The Program Starter Kit outlines how to organise your AML/CTF program: the sections to include, the policies to document, the controls to put in place.
AML Simple’s program generator is consistent with AUSTRAC’s Program Starter Kit structure. We didn’t invent our own framework. We took the one AUSTRAC made available for free, automated it, and tailored it to real estate agencies.
The result: a generated program that follows the structure the regulator recommends, built in minutes rather than weeks.
“Consistent with AUSTRAC’s Program Starter Kit structure - the same templates AUSTRAC provides, automated and customised to your agency.”
AML Simple is not endorsed or approved by AUSTRAC. “Consistent with” means our output follows the same structural framework AUSTRAC recommends - it does not mean AUSTRAC has reviewed or validated our tool.
Our Principles
You make the decisions. We structure the work.
AML compliance requires judgement. When a client presents a complex ownership structure, when a transaction looks unusual, when you’re not sure whether to file an SMR - those are decisions that require professional expertise, not software.
We’re deliberate about this boundary.
AML Simple handles the workflow: it helps you build your program, verify client identities, screen against sanctions and PEP lists, store records, and generate the documents you need. Everything is logged, structured, and audit-ready.
What it doesn’t do is tell you whether you’re compliant. That’s not a limitation - it’s a principle. Compliance decisions are your responsibility, and we respect that.
If you need professional advice, our Expert Advice service connects you with qualified AML/CTF professionals who can review your program, answer specific questions, or work through edge cases with you. From A$199 per session, or A$499/month for ongoing support.
Need a tool?
From A$79/month, self-service.
Need advice?
Talk to an expert from A$199/session.
Clear pricing. Clear boundaries. You choose what you need.
Data stored in Sydney, Australia
Encrypted at rest and in transit
7-year record retention (as required by law)
30-day money-back guarantee
Ready to get started?
Build your AML/CTF program, verify your first client, and see how it all fits together - no credit card required.
AML Simple is a compliance workflow tool, not a provider of legal, financial, or regulatory advice. Using this tool does not guarantee compliance with the AML/CTF Act or any other regulation. You are responsible for ensuring your business meets all regulatory obligations. For professional compliance advice, consider our Expert Advice add-on or consult a qualified AML/CTF professional.