Drafted by Lawyers · Designed for Real Estate
AML/CTF Compliance, Handled.
We manage your obligations under the Anti-Money Laundering and Counter-Terrorism Financing Act — so you can focus on selling property.
Send us the listing agreement and contract. We do the rest.
From KYC/KYB searches to AUSTRAC reporting, our compliance officers handle every step — documented, retained, and audit-ready.
AML/CTF Programs · Compliance Officers · Staff Training
Compliance isn't a burden. It's a culture.
The agencies that get this right don't treat compliance as a checkbox. They build it into every transaction, every relationship, every decision.
How it works
Focus on converting sales. Leave compliance to us.
In a market where every hour counts, compliance shouldn't slow you down. Agent Compliance handles your entire AML/CTF obligation from one simple step — send us the listing agreement and contract, and we take it from there.
Send the listing agreement and contract
That's all we need from you. Email or upload your documents and we handle everything else.
We conduct all searches
KYC/KYB searches, review of trust and company structures, identifying related parties and Ultimate Beneficial Owners (UBOs), and searches on those individuals. No per-search fees.
We make the compliance decision
Our compliance officers are responsible for suspicious matter reporting and all compliance officer obligations, including the annual AUSTRAC return.
We retain all records
All documentation, search results, and compliance decisions are securely retained for the required 7-year period.
Reporting Group
We maintain your reporting group register — onboarding and offboarding of contractors as required under your AML program.
Directors Reporting
Regular reports to the board as required under the AML program, keeping directors informed and your agency fully accountable.
One simple fee. Per property.
What We Do
Everything your agency needs to stay compliant.
Compliance Officers
Dedicated compliance officers responsible for your SMR obligations and annual AUSTRAC return. We act as your reporting entity's compliance function.
AML/CTF Programs
Lawyer-drafted AML/CTF programs tailored to your agency. Covers customer due diligence, risk assessments, and ongoing monitoring obligations.
Staff Training
Practical AML/CTF training for your team. We ensure your staff understand their obligations and can identify suspicious activity.
AML / CTF Compliance Officer · Real Estate Only
Nothing changes for your agents.
It gets easier.
We're not a search platform. We're your nominated Compliance Officer and we take over the whole role, for about what you're already paying for searches.
Your Agent
Listing agreement or contract signed
Business as usual. The agent lists and sells. That's the whole job.
You do this
Agent Compliance
KYC done straight away
ID and searches on sellers and buyers. Complex structures unpacked.
Agent Compliance
AML sign-off
Source of funds calls. Evidence documents chased. Compliance certificate signed. SMRs lodged where needed.
We do all of this
Agent Compliance
Governance, A to Z
Monthly board reports. Contractors and reporting group members onboarded and offboarded. Annual AUSTRAC lodgement. We are your nominated Compliance Officer.
We do all of this
Real Issues. Real Penalties.
Common mistakes I find on initial review
If you don't know what your compliance officer should be doing, you will be held responsible — not just them. You can't simply say you didn't know. These are real compliance failures that attract significant AUSTRAC penalties for directors.
Reporting Group not set up properly
Independent contractors are not registered as part of the Reporting Group — a fundamental requirement under the AML/CTF Act that is routinely overlooked.
KYC/AML starting after unconditional
Customer due diligence must begin at listing or contract — not at unconditional. With many contracts taking longer than 28 days to go unconditional, this is a common and costly breach.
Directors not receiving board reports
Regular compliance reports to the board are a mandatory obligation under your AML program. Directors who are not receiving these reports are exposed — regardless of whether they asked for them.
Training registers not established or maintained
AML/CTF training registers must be created, kept current, and updated as staff change. An absent or outdated register is one of the first things AUSTRAC will ask for.
Designated services with no AML program
Providing designated services without an AML/CTF program in place is a serious breach. Many agencies are unaware they are already providing designated services and have no program at all.
You can't say you didn't know
Director liability is not limited to what you were told. If your compliance officer is not meeting their obligations and you have not verified it, you share the exposure. Ignorance is not a defence.
Don't wait for an AUSTRAC audit to find out you're not compliant. We review your program from day one.
Meet Our Founder
Kate Flett
I'm the founder of Agent Compliance, an outsourced AML/CTF Compliance Officer service built for Australian real estate agencies and property developers. When AUSTRAC's Tranche 2 obligations arrived, I saw agencies being asked to take on a role they'd never had to fill: someone to run their AML program, make the calls on customer due diligence, lodge reports and keep it all on track — on top of selling. So I built the service I'd want if I were still running an office. We act as your Compliance Officer and manage the complete process, so your team can focus on listing and selling.
That perspective comes from more than 20 years in real estate and legal services. I've operationally run offices, served as CFO for one of Australia's largest real estate franchises, led asset management teams, integrated systems and technology, and overseen HR for large enterprises. I know how an agency actually works day to day — and that's how we've designed everything we do. I bring a blend of commercial acumen, emotional intelligence and systems thinking to every challenge, and compliance is no different: it has to be practical, scalable and simple for the people doing the work. If you're a principal or developer working out how AML/CTF fits into your business — more efficient, less cost, no HR headache — I'd love to connect.
AUSTRAC-ready from day one.
We register your agency with AUSTRAC, manage your onboarding and offboarding of contractors, and ensure your Reporting Group obligations are met — including regular board-level compliance reports.
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