AML SmartGuard
End-to-end, done-for-you AML compliance — designed for time-poor Australian SMEs who want the program built, run, and reported on their behalf.
Product, pricing, and fit.
- Product type
- Full Suite
- Pricing model
- Subscription
- Sectors served
- real estateaccountinglegalprecious metals
- Best for
- I want this handled for me
What this product actually does.
AML SmartGuard is a managed AML/CTF service rather than a self-serve tool. The team builds your program, configures your tooling, runs identity verification on your behalf, and produces the reports AUSTRAC expects — leaving you to run your business.
Where most platforms hand you a dashboard and a learning curve, SmartGuard pairs you with a named compliance specialist who acts as an outsourced AML officer for the SME tier. That specialist drafts your Part A and Part B documents, sets your risk thresholds, screens new clients, and prepares SMRs and TTRs ready for your review.
It is the most expensive class of provider on CompareAML, and deliberately so — it replaces the need for an in-house compliance hire. The most common buyer is a 2–25 person professional services firm whose principals don't have the bandwidth to learn AML themselves.
Inside the product.
A named specialist runs program governance, risk reviews and AUSTRAC-facing reporting on your behalf.
Bespoke AML/CTF program written for your firm — risk-assessed, board-ready, and revisited annually.
Identity, beneficial ownership, PEP, sanctions and adverse media screening completed for each new client by their team.
Threshold and pattern monitoring with red-flag triage. SmartGuard prepares SMRs and TTRs ready for your sign-off.
Required under the AML/CTF Rules. Included in the higher tiers and available as an add-on otherwise.
Role-based training delivered for principals, fee-earners and support staff with attendance records kept for AUSTRAC.
- You want AML done for you, not by you.
- Your firm is in legal, accounting, real estate or precious metals and onboards new clients regularly.
- You don't have an internal compliance lead and don't intend to hire one.
- You prefer a managed service to running AML operations in-house.
- You're a sole practitioner with very few new clients per year — a self-serve tool is likely cheaper.
- Your firm has an existing in-house compliance team that just needs tooling.
Indicative pricing.
Indicative pricing for Australian SMEs as at early 2026. Confirm during onboarding — final pricing depends on transaction volume, sectors, and risk profile.
Sole practitioners and very small firms.
- Bespoke Part A & Part B program
- Up to 25 client CDD checks/month
- Quarterly risk review
- Email & ticket support
2–10 person firms onboarding clients weekly.
- Everything in Essentials
- Up to 100 CDD checks/month
- Monthly compliance review call
- TTR and SMR drafting
- Named account manager
Multi-office or multi-entity groups.
- Unlimited CDD volume
- Group risk register
- Dedicated outsourced AML officer
- Annual independent review included
- Custom training program
About the business behind the product.
- Track record
- Australian-operated · multi-year track record in AML advisory
- Headquarters
- Sydney & Melbourne, Australia
- Team size
- 20–50 specialists across compliance, technology and customer success
- Australian support
- Sydney/Melbourne business hours · named account manager · phone, email and Teams
- AUSTRAC reporting
- Full TTR, IFTI and SMR drafting — submitted via your AUSTRAC Online account
AML SmartGuard — common questions.
Is SmartGuard really 'done-for-you'?
Yes. You sign off on policy decisions and SMRs (which by law remain your responsibility as the reporting entity), but the analyst work, drafting, screening and AUSTRAC-facing reporting is done by SmartGuard's team.
How long does onboarding take?
Most Australian SMEs are live in 2–4 weeks. Larger or multi-entity setups can take 4–8 weeks. The provider typically offers a guided onboarding call, document templates, and a structured rollout plan.
Do they handle AUSTRAC enrolment for me?
Most providers will guide you through AUSTRAC enrolment but the legal registration is done by you as the reporting entity. Templates, walkthroughs and reviewed answers are usually included.
What happens after Tranche 2 commenced on 1 July 2026?
Ongoing obligations apply: continuous CDD, monitoring, suspicious matter reporting, training refreshes, and annual independent review. The provider's subscription typically covers all of this on an ongoing basis.
Can I cancel if it's not the right fit?
Most subscriptions are month-to-month or annual with a fair cancellation window. Your AML program documentation remains yours regardless. Confirm specific terms during your sales conversation.
Why AML SmartGuard is on CompareAML.
Public information describing support for Australian AML/CTF obligations.
Published sectors served, product scope and indicative pricing where available.
Published support options and privacy or data-handling information.
In each service category and sector, one provider can be our Founding Partner. They pay us for introductions, so they're highlighted and labelled in your results, and they're the only provider in that category we pass your details to, and only if you ask. Every other matching provider is still shown, ranked by fit, with their direct contact details. How we're paid →
Browse the full directory of 28 reviewed Australian providers.
Open directoryAML SmartGuard serves 4 sectors. See obligations and matched providers for each: