Property and Real Estate
Guard your business with state-of-the-art Tranche 2 compliance.
Our solution embeds risk assessment, CDD, monitoring and reporting into practical workflows your staff can actually follow, with clear audit trails that evidence your decisions without building a bank‑style compliance team.
One Platform – One Service – One Solution affords:
AUSTRAC’s Expectations
From 1 July 2026, AUSTRAC treats real‑estate agencies, buyers’ agents, developers and conveyancers as gatekeepers, not just deal‑makers.
If you broker, sell or transfer property or help plan and settle those transactions you are a reporting entity and must show you know who you’re dealing with, where the money comes from, and what you did when something looked off.
AUSTRAC expects you to:
Note that the focus is on brokering or directly selling property as designated services, not every bit of admin around the deal.
AUSTRAC has also published risk indicators, including unusual payment methods, offshore buyers and complex ownership.
AML Smart Guard is designed to help you do all of this in one place, so principals can show that Tranche 2 risk accountabilities are being met and evidenced while listings, auctions and settlements keep moving.
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Our Platform
2
Our Service
3
Your Solution
Plans for All business Sizes
Flexible Pricing.
Complete Support.
No Surprises.
AML compliance shouldn’t feel like a one-off project or a blank cheque. It should protect your business, support growth and scale as you do.
AML Smart Guard delivers end-to-end Tranche 2 compliance through one simple monthly subscription combining expert guidance, practical implementation and enterprise-grade technology so you can operate with clarity, control and confidence.
Included in every plan
No matter what plan you start on, AML Smart Guard’s comprehensive services and fundamentals remain your safety net:
Standard
Essential compliance for small businesses
$349
/ month
Scaled
Structured compliance for growing firms
Best for steady transaction volumes and multi-site businesses
$549
/ month
Enterprise
Comprehensive AML governance for larger organisations
Built for higher-volume or multi-office operations
$949
/ month
Bespoke
Not sure which plan? For complex, high-volume businesses with tailored, project-like requirements (e.g. insolvency practitioners), or in need of dedicated support
Tailored to your needs
Why AML Smart Guard?
Fully compliant as simple as 1-2-3
AML Smart Guard is the complete solution. From getting AUSTRAC ready, to client onboarding, ongoing monitoring and reporting, AML Smart Guard offers intuitive design, automation, full support, training and a knowledge centre in one fully compliant package.
AML Smart Guard empowers all Tranche 2 affected businesses to own their AML/CTF risk mandate through our experience, our partnerships, trusted platform and delivery know how; we provide the people, processes and technology to deliver your AML program.
Enabled by LexisNexis® RiskNarrative™
The backbone of our platform incorporates Risk Solutions from LexisNexis®, a world leader in Risk and Legal compliance solutions, trusted by Global Banks and Legal juggernauts:
Decades of experience
We’ve spent the last 15+ years solving AML/CTF for large banks and financial institutions across the world. AML Smart Guard’s professional services and risk operations experts are by your side empowering and enabling your teams and delivering your AML program:
Hassle free, no experience needed
AML Smart Guard’s people, processes and technology are ready-made to deliver your AML program. No one else provides the same comprehensive combination of platform, service and solutions to assure you remain compliant with ready access to:
We offer the highest level of protection for your business, assuring the effective and pragmatic delivery of your AML program and extend our professional services to advise and support your bespoke needs e.g.,
We’re certain no one else does this; test the market and see for yourself. Our solutions, Our service, Your outcome.
Home grown solution backed by global tech
AML Smart Guard’s Australian leadership team have decades of career long experience in risk and compliance solutions delivered and supported for both Australian and international banks and financial services firms.
Tranche 2 is an Australian problem. Our people live in the same regulatory environment you do, follow AUSTRAC’s updates as they land, and work every day with real estate, legal, accounting, corporate, gaming and digital‑asset clients facing the 1 July 2026 deadline.
We combine local AML/CTF expertise with practical experience inside Aussie firms, so when you call, you’re talking to someone who understands how your trust account works, how your practice software behaves, and what AUSTRAC is actually likely to look for in your sector.
Why a local team matters?
With AML Smart Guard’s local Australian team, you’re getting an enterprise platform and expert delivery partner who understands AUSTRAC, understands your industry, and is here in your time zone to keep you confidently compliant.
Frequently
asked questions
Can’t find the answer that you’re looking for? Get in touch with us.
Focus on building a simple, risk‑based program that matches how your agency actually lists, markets and settles property. Key priorities:
- Map your designated services
- Define a real‑estate‑specific ML/TF risk assessment
- Define clear CDD steps for buyers and sellers
- Set rules for enhanced checks and escalation
- Design day‑to‑day processes and records
- Plan training and accountability
Working with AML Smart Guard lets you shortcut this build starting from an AUSTRAC‑aligned real‑estate starter framework to assert your risk assessment, CDD workflows, alerts and reporting to prove you’re meeting Tranche 2 expectations without turning every deal into a compliance project.
Start by mapping your touchpoints: listing, offers, deposits, settlements, use of trust accounts, foreign buyers, and any large cash components, then rate where your ML/TF risk is highest.
AML Smart Guard uses LexisNexis Risk Narrative to apply risk‑rated workflows for buyers, and sellers, so your agents follow a consistent, documented process from day one.
Enrolment is about telling AUSTRAC who you are and what designated services you provide, then wiring your new AML program into the way you already run listings and settlements.
In practice, it typically involves:
- Confirm you’re in scope
- Appoint an AML/CTF compliance lead
- Prepare for AUSTRAC’s online enrolment
- Customise your AML/CTF program before go‑live
- Embed controls into your systems and templates
AML Smart Guard can compress this “build” phase by giving you an AUSTRAC‑aligned real‑estate program and workflows that plug into your CRM and document flows, rather than starting from a blank page.
Once Tranche 2 is live, customer due diligence and monitoring stop being one‑off tasks and become part of how you run every campaign and settlement.
In day‑to‑day terms, it looks like:
- Verifying every buyer and seller at the right time
- Understanding and testing source of funds
- Monitoring each file for red flags
- Updating risk ratings as new information arrives
- Documenting what you saw and what you did
- Feeding issues into Suspicious Matter Reporting and training
With an AML platform built for real estate, “live CDD and monitoring” becomes automated prompts, risk scores and alerts inside your normal workflows, rather than a separate manual process running on spreadsheets.
Let us worry about AML compliance while you focus on your business.
Compliance as a Service. Our in-house experts manage every aspect of compliance, from KYC and ECDD to regulatory reporting.
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