About AMLCompliant
About AMLCompliant and how we check
Last checked 25 September 2026 against the AML/CTF Act compilation C2026C00274, the AML/CTF Rules 2025 (F2025L01026) and the Transitional Rules 2026 (F2026L00393)
We are a small, independent Australian business. We sell AML/CTF program documents to accounting practices, real estate agencies, conveyancers and legal practices. This page says who we are, how the documents are made and checked, and what we do not do.
Independent. Not affiliated with, or endorsed by, AUSTRAC or the Australian Government.
01 Who sells this
The business behind the site
AMLCompliant is a trading name of Wani Meridian Pty Ltd, ABN 97 701 307 020, an Australian company based in Victoria. Wani Meridian Pty Ltd is the seller on every order.
We sell two things, both at fixed one-off prices that include GST:
- the AML/CTF Program Kit, a set of documents you customise yourself; and
- the Setup service, where we customise those documents for your firm from an intake questionnaire.
Write to us at [email protected].
02 How the documents are made
Five steps, in order
We start from AUSTRAC's free starter kits
AUSTRAC publishes five program starter kits. We use four of them: accountant, real estate, conveyancer and legal profession, each at release 1.1 of 10 June 2026. Each of our editions adapts one of those kits. Each kit has suitability criteria (for the accountant, real estate and legal profession kits, these include 15 or fewer personnel), and AUSTRAC says a firm outside a kit's profile cannot rely on it. The same limit applies to ours.
We take every legal fact from the authorised text
On 25 September 2026 we opened the authorised text of the AML/CTF Act (compilation C2026C00274), the AML/CTF Rules 2025 (F2025L01026) and the AML/CTF Transitional Rules 2026 (F2026L00393) on the Federal Register of Legislation. Every section number, date, threshold and dollar figure in our AML/CTF documents comes from an internal record built from that text, with the quoted words and where they sit. AUSTRAC pages are recorded separately, as guidance.
An automated check refuses anything it cannot trace
Before release, every page and document is run through a claims check. It refuses a section or rule number that is not in the authorised text, and wording we never use, such as endorsement claims, compliance guarantees, scarcity or recurring prices. It flags every date and dollar figure that is not on our verified list, and a person checks each one against the source. We test the check by planting deliberate errors and confirming that it refuses each one.
Each document is stamped with its edition and check date
The cover of every adapted document names the edition (2026.1) and the Act and Rules compilations its citations were checked against, with the date of the check. The footer carries AUSTRAC's attribution line. When the law or a starter kit changes, the date on the stamp tells you whether your copy predates the change.
The owner signs off, and errors are corrected
The business owner, Daniel Ebiau, reviews and signs off each edition before release. If you find a factual error in a citation, date or threshold, we correct it within 5 business days, at no cost. That is the only promise we make about our documents.
Every source we rely on, with the version opened, is on our sources page.
03 What we are not
What we do not do
We say this plainly because a buyer should know the limits before paying.
Act s 51B the law, read in the authorised textAUSTRAC guidance the regulator's published guidance
- We are not AUSTRAC, and not any government agency. We never use the AUSTRAC logo, and nothing we sell carries AUSTRAC's approval.
- We are not a law practice. Nothing on this site or in our documents is legal advice. You decide whether a service you provide is a designated service, using AUSTRAC's guidance and its Check if you may be regulated tool. Where a case is doubtful, we say so in writing and suggest a lawyer or your professional body.
- We are not your AML/CTF compliance officer, senior manager or governing body. Those roles sit inside your firm.
- We do not lodge reports for you. Suspicious matter reports, threshold transaction reports and annual compliance reports are lodged by your firm.
- We are not your independent evaluator. The Act requires an independent evaluation of your program at least once every 3 years s 26F(4)(f). AUSTRAC expects an evaluator not to have been involved in developing the program or assessing its risks AUSTRAC, Step 5, so we cannot evaluate a program we helped to write. In Setup we plan the evaluation: the date (for firms covered by the 29 July 2026 enrolment date, worked out from the last two digits of your enrolment identifier Transitional Rules s 17; otherwise from the frequency your policies set, at least once every 3 years s 26F(4)(f)), the scope and the kind of evaluator you need. Band 3 also includes a written brief for the evaluator you choose.
- We do not promise an outcome. A document shows what your firm intends to do. Your records show what it did. Meeting your obligations depends on following your program.
04 Licence and attribution
How we use AUSTRAC's material
AUSTRAC publishes the material on its website under the Creative Commons Attribution 4.0 International licence, unless it says otherwise. With attribution, and following the licence terms, anyone may copy, adapt, modify, transmit and distribute that material. The licence does not cover the AUSTRAC logo and Commonwealth Coat of Arms, or material provided by third parties. AUSTRAC's terms also say its material must not be used in a way that suggests AUSTRAC or the Australian Government endorses you, your services or your products. AUSTRAC copyright page
So, in practice:
- Every document we adapt from AUSTRAC material carries this line in its footer: "© AUSTRAC for the Commonwealth of Australia 2026, CC BY 4.0; adapted by AMLCompliant; not endorsed by AUSTRAC".
- We do not resell AUSTRAC's own files. Each edition links to AUSTRAC's free document library for that sector, so you can compare our version with the original.
- Links to AUSTRAC on this site open in a new window, and nothing here suggests AUSTRAC wrote or reviewed our content.
This is our reading of AUSTRAC's licence terms. It is not legal advice. The licence is on AUSTRAC's copyright, attribution and third-party guidelines page, opened 25 September 2026.
05 Straight answers
Questions about us
- Is AMLCompliant part of AUSTRAC?
No. AMLCompliant is Wani Meridian Pty Ltd trading as AMLCompliant, an independent private business. AUSTRAC has not reviewed or endorsed our documents. We use AUSTRAC material under its Creative Commons Attribution 4.0 licence, with attribution on every adapted document.
- Who writes the documents?
We draft them from AUSTRAC's starter kits and from our verified record of the law. Every draft passes our automated claims check, and the business owner, Daniel Ebiau, reviews and signs off each edition before release. Each document's cover shows its edition and the date its citations were checked.
- How do I report an error?
Email [email protected] with the document name and the line. A factual error in a citation, date or threshold is corrected within 5 business days, at no cost.
Read our terms, see every source we rely on, or look at what is in the kit.