Not legal or regulatory advice

CertusAML helps businesses organise, perform, review, and evidence customer due diligence as part of their AML/CTF processes. It is not legal or regulatory advice and should be used alongside the business's AML/CTF program, current AUSTRAC guidance, and appropriate professional advice.

Supporting compliance

CertusAML provides a structured workflow that helps teams apply customer due diligence processes consistently, keep risk decisions reviewable, and maintain evidence of the work completed. Each business remains responsible for configuring and operating its processes in line with its obligations, designated services, risks, and AML/CTF program.

Risk methodology

Risk scores and bands are workflow tools based on the criteria, information, and methodology applied within the platform. They support consistent assessment and review, but are not AUSTRAC formulas, legal determinations, or regulatory approvals.

Information and third-party services

Results depend on the information supplied by users and, where applicable, data returned by connected service providers. Businesses should review results, resolve discrepancies, and follow their policies before relying on information or completing a customer decision.

Human responsibility

Authorised people remain responsible for reviewing evidence, deciding whether to proceed with a customer, applying enhanced due diligence, escalating matters, and determining whether regulatory reporting or specialist advice is required.

Current information

AML/CTF obligations and official guidance can change, and their application depends on the services a business provides. Check current official sources and obtain appropriate advice before relying on any process described on this website.