AML compliance tools compared: what to look for before July 2026

Does the tool help you build your AML/CTF program, or assume you already have one?

Most compliance software assumes you walk in with a finished program document. The reality for most small agencies is that you need to build that program from scratch. A tool that skips this step leaves you exposed before you have even started verifying clients.

Question to ask: Ask any vendor: does your tool include a program generator, or do I need to prepare that myself?

Does pricing scale with your business, or punish you for growing?

Some tools charge per verification or per client. That works when you have five clients but stings when you onboard fifty. Flat-rate subscriptions let you grow without watching a per-check meter tick upward. Understand the total cost at your expected volume before committing.

Question to ask: Ask any vendor: what is my total cost if I run 50 client verifications in a month?

Is your data stored in Australia, and how long is it retained?

AUSTRAC requires you to keep AML/CTF records for seven years. Where those records sit matters: Australian Privacy Act obligations apply to data held in Australia, and some agencies have contractual requirements around data residency. Check the hosting region and the retention policy before you sign up.

Question to ask: Ask any vendor: in which country is my data stored, and for how long do you retain it after I cancel?

Will the tool still be useful after July 2026?

The July 2026 deadline is the starting line, not the finish line. Your AML/CTF program needs to be maintained, your client records kept for seven years, annual compliance reports lodged with AUSTRAC from March 2027, and your team kept trained. A tool built only for the deadline push will leave you stranded when ongoing compliance begins.

Question to ask: Ask any vendor: what does ongoing monitoring and annual reporting look like after July 2026?

AI assistant, not a form factory

AML Simple Ask guides you through the compliance action you need to take, in plain English. Ask what CDD applies to a trust buyer, or when to lodge an SMR. No other real estate AML tool offers this.

Built for real estate, not ported from banking

Every workflow is specific to property sales and buyer agents. Auction-day delayed CDD, trust and SMSF beneficial ownership, dual-role agency structures. We did not adapt a financial services product.

Works on the road

Pull up a client record between inspections, check a screening status from your phone, or send a CDD verification link from the carpark. Full access on any device, no app download required.

Unlimited clients, flat fee

No per-client charge, no verification quota, no overage fees on client numbers. Every paid plan includes unlimited clients. Your compliance tool should work harder as your agency grows, not cost more.

No CRM integration yet.

We do not currently integrate with real estate CRMs like Console Cloud, PropertyMe, or VaultRE. You can import clients via CSV (500 rows) and export records at any time. CRM integrations are on our roadmap, and we are open to building them with early agency partners.

No ISO 27001 certification.

ISO 27001 certification typically takes 12 to 18 months and significant investment. Our data runs on Supabase, which is SOC 2 Type II certified infrastructure, hosted in the Sydney region with encryption at rest and in transit. We retain records for the full seven years AUSTRAC requires.

No native mobile app.

The product is a mobile-responsive web app that works fully on mobile browsers. A dedicated native app is on our roadmap but is not available yet. Most compliance workflows happen at a desk, but the mobile browser experience covers everything agents need in the field.

No CSV bulk import yet.

Bulk client import via CSV is available on Starter and above (up to 500 rows). If you need to migrate a large client database from another platform, contact us and we can assist with the process directly.