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Sample pages from the AML/CTF Program Kit

Last checked 25 September 2026 against the AML/CTF Act compilation C2026C00274, the AML/CTF Rules 2025 (F2025L01026) and the Transitional Rules 2026 (F2026L00393)

Eight documents from edition 2026.1, one from each family: the risk assessment, the policies, the compliance-officer record, a client due diligence form, the reporting register, the calendar and two sector documents. Each box shows the opening of a real Word file from the zip, with its fill-in fields shaded.

s 26B s 26C s 26F Built on AUSTRAC's starter kits, CC BY 4.0

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01 How to read the samples

Copied from the files, not mocked up

Each box starts with the file name as it appears in the zip, and its caption names the edition folder and the obligation the document is written to meet. The text in the box comes after the document's cover page and version table. Some passages, sentences and table rows are left out to keep the boxes short, but no sentence is cut short or reworded.

The edition line under each title and the attribution line at the foot of each box are this site's standard lines. The edition line reads as the cover of each Word file does; in the Word files, the attribution is in the footer.

02 The samples

Eight documents, four editions

Accountants edition, document 02. The ML/TF risk assessment s 26C, its review triggers and 3-year floor s 26D, and the rule against providing a service without it s 26E.
Conveyancer edition, document 03. The policies half of the program s 26B s 26F, approved by a senior manager s 26P and followed s 26G.
Legal practice edition, document 06. An eligible compliance officer s 26J Rules 5-14, designated within 28 days s 26K and notified to AUSTRAC within 14 days s 26M.
Real estate agency edition, document 09. Initial customer due diligence before the service starts s 28, with the sole-trader details the Rules require Rules 6-1.
Accountants edition, document 17. Suspicious matter reports s 41 and threshold transaction reports s 43, with the report contents the Rules set Rules 9-1 and a register of every decision.
Conveyancer edition, document 18. The annual compliance report s 47 Rules 9-9, the compliance officer's report to the governing body at least every 12 months Rules 5-7, and the first independent evaluation date Transitional Rules s 17.
Real estate agency edition, document 28, a sector-only document. Both the seller and the buyer are the agent's customers s 6; the note also sets out the delayed due diligence window Rules 6-32.
Legal practice edition, document 26, a sector-only document. The suspicious matter clocks where legal professional privilege is involved s 41, and the LPP form that goes with a report s 41(3)(aa) s 43(3)(aa).

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03 Every document, every obligation

What each document is written to meet

The numbers and names below are the file names in the zip. Documents 00 to 25 and 99 are in every edition folder; each edition then has its own sector documents from 26 onwards. CDD means customer due diligence.

Documents in every edition, and the obligations they evidence
No. File name in the zip What it evidences Law
00 Start here The order of work, and documenting the program before the first designated service s 26N Rules 5-15
01 Designated service determination and scope note Which of your services are designated services, and how each is described at enrolment s 6 Rules 3-2
02 ML TF risk assessment Identifying and assessing your risks; reviews at least every 3 years; no service without it s 26C s 26D s 26E
03 AML CTF policies Developing, maintaining and following your policies s 26B s 26F s 26G
04 Process document and CDD procedures How initial, ongoing, simplified and enhanced CDD are done day to day s 28 s 30 s 31 s 32
05 AML CTF roles and responsibilities register Governing body oversight, and the information it receives s 26H Rules 5-6
06 Compliance officer designation and fit-and-proper record An eligible compliance officer, designated within 28 days and notified within 14 days s 26J s 26K s 26M Rules 5-14
07 Personnel due diligence record Checking people before and during their engagement s 26F(4)(d) Rules 5-8
08 AML CTF training plan and register Initial and ongoing training s 26F(4)(e) Rules 5-9
09 Onboarding form and initial CDD form individual or sole trader Initial CDD for an individual or sole trader s 28 Rules 6-1
10 Onboarding and initial CDD form body corporate, partnership or unincorporated association Initial CDD, including beneficial owners s 28 Rules 6-2 Rules 6-8
11 Onboarding form and initial CDD form trust Initial CDD for a trust s 28 Rules 6-3
12 Onboarding form and initial CDD form government body Initial CDD for a government body s 28 Rules 6-4
13 Enhanced CDD form The enhanced CDD triggers, and source of wealth and funds s 32 Rules 6-20 Rules 6-21
14 Ongoing CDD periodic review and trigger-event review forms Monitoring customers and reviewing their information s 30 Rules 6-35
15 Pre-commencement customer register and transition plan Customers you already had on 1 July 2026 s 36
16 Unusual activity report, escalation form, review form and escalations register Timely assessment of possible suspicious matters, and tipping-off safeguards s 41 Rules 5-12 Rules 5-13
17 Suspicious matter and threshold transaction reporting procedure and register Suspicious matter and threshold transaction reports, and their contents s 41 s 43 Rules 9-1 Rules 9-5
18 Compliance calendar The annual compliance report, the first independent evaluation and the review dates s 47 Rules 9-9 Transitional Rules s 17
19 Record-keeping index What you keep, and for how long s 107 s 108 s 111 s 116
20 Periodic effectiveness checks pack Reviewing and updating your policies s 26F(3) Rules 5-4
21 Maintain-the-program record and annual report to the governing body Governing body oversight, and the compliance officer's report at least every 12 months s 26H Rules 5-7
22 Independent evaluation plan and response form An independent evaluation at least once every 3 years, and your response s 26F(4)(f) Rules 5-10
23 AUSTRAC enrolment, changes and notices procedure Enrolment, keeping enrolment details up to date, and responding to notices s 51B s 51F s 167
24 Senior manager approval and program documentation record Senior-manager approval, and documenting updates within 14 days s 26N s 26P Rules 5-15
25 Privacy collection notice for customer due diligence Telling customers why their identity information is collected OAIC guidance for reporting entities
99 Sources and citations Every instrument and AUSTRAC page the edition relies on
Sector documents, by edition folder, and the obligations they evidence
Edition folder No. File name in the zip What it evidences Law
1 Accountants edition 26 Designated-service worksheet entity and SMSF formation, registered office and officer services Which formation, registered office and officer services are designated services s 6
1 Accountants edition 27 Tipping-off procedure with the s 123(4) crime-prevention exception Tipping off, and the exception for qualified accountants s 123(4) Rules 5-13
2 Real estate agency edition 26 Delayed initial CDD and settlement-verification procedure Delayed CDD and verification before settlement s 29 Rules 6-32 Rules 5-20
2 Real estate agency edition 27 Request to verify information form and conveyancer agent arrangement Another reporting entity collecting and verifying information Rules 6-33
2 Real estate agency edition 28 Seller-side and buyer-side onboarding note Both sides of a sale are customers s 6
3 Conveyancer edition 26 Delayed initial CDD and settlement-verification procedure (conveyancing) Delayed CDD for the buyer s 29 Rules 6-32
3 Conveyancer edition 27 Request to verify information form and real-estate-agent arrangement Another reporting entity collecting and verifying information Rules 6-33
3 Conveyancer edition 28 Trust-money (Table 6 item 3) determination note Whether handling trust money is a designated service s 6
3 Conveyancer edition 29 Other-professional-services onboarding and initial CDD forms and second risk assessment A second risk assessment where your other services differ s 26C
4 Legal practice edition 26 Legal professional privilege handling procedure and LPP form register The privilege clocks and LPP forms s 41(2)(aa) s 41(2A) s 43(3)(aa)
4 Legal practice edition 27 Tipping-off procedure, the s 123(4) exception and retainer termination Tipping off, and the exception for legal practitioners s 123(4)
4 Legal practice edition 28 Conveyancing-services onboarding and initial CDD forms and the conveyancing risk assessment Conveyancing done under a practising certificate Rules 6-32 Rules 6-33
4 Legal practice edition 29 Scope note barristers, mixed practices and the practising-certificate routing Which edition and services apply to your practice s 6

The full description of each document is on the kit page. The sources behind these references are on our sources page.

04 Straight answers

Questions about the samples

Are these the real documents?

Yes. Every line of document text inside a box (the title, the paragraphs and the table rows) is copied from the Word file. The edition line under the title and the attribution line at the foot are this site's standard lines. Each box names its Word file at the top, from the edition 2026.1 zip that buyers download. Long passages, some sentences and some table rows are left out; no sentence is cut short or reworded. The build that publishes this site compares each line with the Word file in the zip and stops if a line is not there. The download itself has no watermark and no sample marking.

Why do some pages show AUSTRAC wording?

Because the documents adapt AUSTRAC's program starter kits under the CC BY 4.0 licence. The footer of each Word file reads: Adapted from AUSTRAC program starter kit material (© AUSTRAC for the Commonwealth of Australia 2026, CC BY 4.0). Not endorsed by AUSTRAC. Not legal advice. The boxes on this page end with this site's standard attribution line instead. AUSTRAC has not reviewed our documents.

Do the sample pages show the legal edition's LPP procedure?

Yes. The last sample is the opening of document 26 of the legal practice edition: its purpose, the roles and the threshold transaction section. Section 3 of the same document, not shown here, is a table of which clock applies to a suspicious matter report: 3 business days in the ordinary case, and 5 business days where some, but not all, of the information may be privileged and the privilege belongs to someone other than the practice (s 41(2)(aa) of the Act). Section 5 lists the notices that need an LPP form.

Sources for this page

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