AML/CTF Program Generator — Risk Assessment & Policies in 30 Minutes

Generate a customised AML/CTF program tailored to your firm's specific services, client mix, and risk profile — ready for you to review and adopt.
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Key takeaways

How does ClearAML generate an AML/CTF program?

ClearAML generates a customised AML/CTF program — ML/TF risk assessment and AML/CTF policies — for your firm in under 30 minutes — tailored to your specific client mix, designated services, and risk profile.

Why generic templates fail AUSTRAC review

AUSTRAC requires every AML/CTF program to be appropriate to the nature, size and complexity of the business, so a generic, one-size-fits-all template won't meet that standard. A program that is not tailored to your specific designated services, client types, and risk profile does not meet the requirements of the AML/CTF Act — regardless of how comprehensive it looks on paper.

ClearAML's program generator uses a structured questionnaire to understand your firm's specific circumstances before generating the document. The output reflects your actual business — not a generic template with your firm name inserted at the top.

What an AML/CTF program must include

ML/TF Risk Assessment

  • Your firm's designated services and how they are delivered
  • Client type risk (individuals, companies, trusts, SMSFs)
  • Service delivery channel risk
  • Geographic risk exposure
  • Residual risk ratings and how they are mitigated

AML/CTF Policies — Procedures & Controls

  • Customer due diligence procedures (standard and enhanced)
  • Ongoing screening and monitoring procedures
  • Staff training and awareness requirements
  • SMR, TTR, and IFTI reporting workflows
  • Record-keeping and retention procedures
  • Annual review and update process

Compliance in 3 Simple Steps

Stop wrestling with manual checklists. Get set up in minutes, not weeks.

  1. 1

    Complete the Firm Profile

    Answer structured questions about your firm's designated services, client types, delivery channels, and geographic exposure. The questionnaire takes around 30 minutes and is pre-populated where ClearAML already has your data.

  2. 2

    Review the Generated Program

    ClearAML generates a customised AML/CTF program document — your ML/TF risk assessment and AML/CTF policies — based on your answers. Review, edit any section, and tailor the language to your firm's specific circumstances.

  3. 3

    Approve, Download, and Store

    Approve the program with your name and the date — creating a version-controlled record. Download as Word. ClearAML stores the program and prompts you and your team for your annual review.

Everything you need to be compliant

Replace your fragmented spreadsheets with a purpose-built platform designed for Australian accounting firms.

Risk Assessment & Policies Generation

ClearAML generates both your ML/TF risk assessment and your AML/CTF policies (the procedures, systems and controls that manage those risks) — the two components AUSTRAC requires.

Tailored to Your Firm

The program is customised to your specific designated services, client mix, delivery channels, and risk profile — not a generic template that AUSTRAC is likely to flag.

30-Minute Completion

From questionnaire to downloadable document in under 30 minutes. No compliance consultant required. No months-long process.

Version Control

Every update to your program creates a new version with the approver's name and timestamp. Your version history is retained in the audit log for AUSTRAC inspection.

Annual Review Reminders

ClearAML automatically prompts you when your annual program review is due — helping you keep your documentation current and AUSTRAC-ready.

Word Download

Download your AML/CTF program as a Word document — ready to edit, brand, and file. Formatted for professional presentation.

In use across Australia

ClearAML is built and run by Brive Pty Ltd (ABN 14 680 839 329), an Australian company founded in Melbourne in 2025, with a Melbourne-based support team.

Identity verifications completed
3,000+
Business (KYB) checks completed
1,000+
Firms on paid plans
100+

As at October 2026. Counted from ClearAML's own records; excludes our internal test accounts.

Simple, Transparent Pricing

Choose the plan that fits your firm size. Get started today and receive a $15 signup credit in your wallet.

Solo

Perfect for sole practitioners and micro-firms.

$49/month +GST
Get Started — Solo plan, $49/month +GST
  • 2 supported users
  • KYC checks: $8.00 per check
  • Screening: $5.00 per check
  • Monthly credits: $0
  • Email & In-App Chat
  • Full Training Modules & PDD Sign-off

Starter

Cost effective, complete compliance for small businesses.

$149/month +GST
Get Started — Starter plan, $149/month +GST
  • 10 supported users
  • KYC checks: $8.00 per check
  • Screening: $5.00 per check
  • Monthly credits: $0
  • Email & In-App Chat
  • Full Training Modules & PDD Sign-off
Most popular

Professional

Complete compliance to suit most small and medium businesses.

$299/month +GST
Get Started — Professional plan, $299/month +GST
  • 25 supported users
  • KYC checks: $8.00 per check
  • Screening: $5.00 per check
  • Monthly credits: $135
  • Priority Support
  • Full Training Modules & PDD Sign-off

Enterprise

White label solution with a big team and many more clients.

Contact Sales
Contact Sales — Enterprise plan, Contact Sales
  • Unlimited supported users
  • KYC checks: Custom Volume
  • Screening: Custom Volume
  • Monthly credits: Custom Volume
  • Dedicated Manager
  • Custom Modules & Branding

Includes continuous PEP/sanctions monitoring and one-click audit reporting. No setup fees. 14-day free trial + $15 signup credit on all plans.

Solo
Core Platform
Supported Users2
Client Risk AssessmentsUnlimited
PEPs & Sanctions Monitor
Inter-Firm Connections
Client Profile Sharing & PDF Export
Verifications
KYC Checks (ID + Screening)$8.00 per check
KYB Checks (Entity)$5 + Variable
Entity Structure & UBO Map
AI Map Extraction3 / mo, then $3 ea
Company Extracts (ASIC)$25.00 per extract
Related-Party Screening$1.00 per party
Standalone Screening$5.00 per check
Monthly Credits$0
Service & Support
Support LevelEmail & In-App Chat
Staff TrainingFull Training Modules & PDD Sign-off
Access to Alpha AML Training
Integrations
Xero Practice Manager
Starter
Core Platform
Supported Users10
Client Risk AssessmentsUnlimited
PEPs & Sanctions Monitor
Inter-Firm Connections
Client Profile Sharing & PDF Export
Verifications
KYC Checks (ID + Screening)$8.00 per check
KYB Checks (Entity)$5 + Variable
Entity Structure & UBO Map
AI Map Extraction10 / mo, then $3 ea
Company Extracts (ASIC)$25.00 per extract
Related-Party Screening$1.00 per party
Standalone Screening$5.00 per check
Monthly Credits$0
Service & Support
Support LevelEmail & In-App Chat
Staff TrainingFull Training Modules & PDD Sign-off
Access to Alpha AML Training
Integrations
Xero Practice Manager
Professional
Core Platform
Supported Users25
Client Risk AssessmentsUnlimited
PEPs & Sanctions Monitor
Inter-Firm Connections
Client Profile Sharing & PDF Export
Verifications
KYC Checks (ID + Screening)$8.00 per check
KYB Checks (Entity)$5 + Variable
Entity Structure & UBO Map
AI Map Extraction20 / mo, then $3 ea
Company Extracts (ASIC)$25.00 per extract
Related-Party Screening$1.00 per party
Standalone Screening$5.00 per check
Monthly Credits$135
Service & Support
Support LevelPriority Support
Staff TrainingFull Training Modules & PDD Sign-off
Access to Alpha AML Training
Integrations
Xero Practice Manager
Enterprise
Core Platform
Supported UsersUnlimited
Client Risk AssessmentsUnlimited
PEPs & Sanctions Monitor
Inter-Firm Connections
Client Profile Sharing & PDF Export
Verifications
KYC Checks (ID + Screening)Custom Volume
KYB Checks (Entity)Custom Volume
Entity Structure & UBO Map
AI Map ExtractionCustom Volume
Company Extracts (ASIC)Custom Volume
Related-Party ScreeningCustom Volume
Standalone ScreeningCustom Volume
Monthly CreditsCustom Volume
Service & Support
Support LevelDedicated Manager
Staff TrainingCustom Modules & Branding
Access to Alpha AML Training
White Labelling
Integrations
Xero Practice Manager

Frequently Asked Questions

Have a question? Reach out to our Melbourne-based support team.

Yes. Under the AML/CTF Act, every reporting entity must have a written AML/CTF program that is specific to their business. The program must cover customer due diligence procedures, employee training, transaction monitoring, reporting obligations, and an ML/TF risk assessment tailored to your firm's designated services and client types. AUSTRAC requires your program to be appropriate to the nature, size and complexity of your business, so a generic template that isn't tailored won't meet the standard.

Your ML/TF risk assessment documents your firm's assessment of the money laundering and terrorism financing risks associated with your designated services, client types, delivery channels, and geographic exposure. Your AML/CTF policies contain your firm's policies and procedures for managing those risks — including CDD procedures, screening processes, training obligations, reporting workflows, and record-keeping. Both must be tailored to your specific business and reviewed at least once every 3 years, and sooner if there's a significant change to your business or an independent evaluation has adverse findings.

ClearAML generates a customised AML/CTF program — risk assessment and policies — in under 30 minutes from completing the questionnaire to downloading the finished document. The questionnaire draws on data ClearAML already has about your firm where available, reducing the input required.

Yes. The generated program is a starting point tailored to your answers, not a locked document. You can edit any section within ClearAML before approving and downloading. Once you approve a version, that version is stored with your name and the approval date — creating a version-controlled record.

AUSTRAC requires you to review your ML/TF risk assessment and AML/CTF policies at least once every 3 years, and also when there is a significant change to your business (new services, delivery methods, client types or countries), when AUSTRAC communicates new risk information, or when an independent evaluation has adverse findings. ClearAML automatically prompts you when your annual review is due and maintains a version history of every program update in your audit log.

Get set up in minutes, not weeks.

14-day free trial + $15 signup credit on all plans. No credit card required. Cancel anytime.

Start 14-Day Free TrialGet a live demo