{"id":34716,"date":"2026-02-13T12:41:59","date_gmt":"2026-02-13T02:41:59","guid":{"rendered":"https:\/\/www.dbaadvisory.com\/?p=34716"},"modified":"2026-06-03T18:38:51","modified_gmt":"2026-06-03T08:38:51","slug":"aml-ctf-obligations-for-professional-services","status":"publish","type":"post","link":"https:\/\/www.dbaadvisory.com\/en\/aml-ctf-obligations-for-professional-services\/","title":{"rendered":"AML\/CTF Obligations for Professional Services"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"34716\" class=\"elementor elementor-34716\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7625f44 e-con-full e-flex e-con e-parent\" data-id=\"7625f44\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-7329530 e-con-full e-flex e-con e-child\" data-id=\"7329530\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-a448330 e-con-full e-flex e-con e-child\" data-id=\"a448330\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-495b705 e-con-full e-flex e-con e-child\" data-id=\"495b705\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-bef9c95 elementor-widget__width-inherit elementor-widget elementor-widget-theme-post-title elementor-page-title elementor-widget-heading\" data-id=\"bef9c95\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"theme-post-title.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">AML\/CTF Obligations for Professional Services<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2a4975a e-con-full e-flex e-con e-child\" data-id=\"2a4975a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e12d417 elementor-widget elementor-widget-post-info\" data-id=\"e12d417\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"post-info.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-inline-items elementor-icon-list-items elementor-post-info\">\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-repeater-item-c163c3a elementor-inline-item\" itemprop=\"datePublished\">\n\t\t\t\t\t\t<a href=\"https:\/\/www.dbaadvisory.com\/en\/2026\/02\/13\/\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-calendar\"><\/i>\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text elementor-post-info__item elementor-post-info__item--type-date\">\n\t\t\t\t\t\t\t\t\t\t<time>February 13, 2026<\/time>\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t<\/li>\n\t\t\t\t<li class=\"elementor-icon-list-item elementor-repeater-item-aa53278 elementor-inline-item\">\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"far fa-clock\"><\/i>\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text elementor-post-info__item elementor-post-info__item--type-time\">\n\t\t\t\t\t\t\t\t\t\t<time>12:41 pm<\/time>\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t<li class=\"elementor-icon-list-item elementor-repeater-item-db6bc01 elementor-inline-item\">\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-book-open\"><\/i>\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text elementor-post-info__item elementor-post-info__item--type-custom\">\n\t\t\t\t\t\t\t\t\t\t7 min read\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7dfd759 e-con-full e-flex e-con e-parent\" data-id=\"7dfd759\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-116333b e-con-full e-flex e-con e-child\" data-id=\"116333b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-c9dfc7a e-con-full e-flex e-con e-child\" data-id=\"c9dfc7a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-d416e7b e-con-full e-flex e-con e-child\" data-id=\"d416e7b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0418c09 elementor-widget__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"0418c09\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>AML\/CTF obligations for professional services firms in 2026 are more demanding than most firms realise \u2014 not just who must comply, but what the reformed regime structurally requires. The AML\/CTF Amendment Act 2024 introduces 8 changes to the framework alongside 6 mandatory obligations.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-cbf5b34 e-con-full e-flex e-con e-child\" data-id=\"cbf5b34\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d42044e elementor-toc--content-ellipsis elementor-toc--minimized-on-tablet elementor-widget elementor-widget-table-of-contents\" data-id=\"d42044e\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;headings_by_tags&quot;:[&quot;h2&quot;,&quot;h3&quot;,&quot;h4&quot;],&quot;exclude_headings_by_selector&quot;:[],&quot;no_headings_message&quot;:&quot;No headings were found on this page.&quot;,&quot;container&quot;:&quot;Main&quot;,&quot;marker_view&quot;:&quot;numbers&quot;,&quot;minimize_box&quot;:&quot;yes&quot;,&quot;minimized_on&quot;:&quot;tablet&quot;,&quot;min_height&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;min_height_widescreen&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;min_height_laptop&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;min_height_tablet_extra&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;min_height_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;min_height_mobile_extra&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;min_height_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"table-of-contents.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-toc__header\">\n\t\t\t\t\t\t<h5 class=\"elementor-toc__header-title\">\n\t\t\t\tTable of Contents\t\t\t<\/h5>\n\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-toc__toggle-button elementor-toc__toggle-button--expand\" role=\"button\" tabindex=\"0\" aria-controls=\"elementor-toc__d42044e\" aria-expanded=\"true\" aria-label=\"Open table of contents\"><i aria-hidden=\"true\" class=\"fas fa-chevron-down\"><\/i><\/div>\n\t\t\t\t<div class=\"elementor-toc__toggle-button elementor-toc__toggle-button--collapse\" role=\"button\" tabindex=\"0\" aria-controls=\"elementor-toc__d42044e\" aria-expanded=\"true\" aria-label=\"Close table of contents\"><i aria-hidden=\"true\" class=\"fas fa-chevron-up\"><\/i><\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<div id=\"elementor-toc__d42044e\" class=\"elementor-toc__body\">\n\t\t\t<div class=\"elementor-toc__spinner-container\">\n\t\t\t\t<i class=\"elementor-toc__spinner eicon-animation-spin eicon-loading\" aria-hidden=\"true\"><\/i>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-176daec e-con-full e-flex e-con e-child\" data-id=\"176daec\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-afdcfa6 elementor-widget elementor-widget-heading\" data-id=\"afdcfa6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">What changes, and what stays the same<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-007eca9 e-con-full e-flex e-con e-child\" data-id=\"007eca9\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-79f938f elementor-widget__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"79f938f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Understanding the AML\/CTF obligations that take effect from 1 July 2026 means understanding what has structurally changed in Australia\u2019s regime \u2014 not just who is newly captured. The reforms do not simply extend existing rules to new sectors. In several important respects, the framework is being restructured. The following table maps every area of material change:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4990976 e-con-full e-flex e-con e-child\" data-id=\"4990976\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7d68d83 elementor-widget__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"7d68d83\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<table width=\"624\"><thead><tr><td width=\"127\"><p><strong>Area<\/strong><\/p><\/td><td width=\"232\"><p><strong>Before 1 July 2026<\/strong><\/p><\/td><td width=\"265\"><p><strong>From 1 July 2026<\/strong><\/p><\/td><\/tr><\/thead><tbody><tr><td width=\"127\"><p><strong>Who must comply<\/strong><\/p><\/td><td width=\"232\"><p>Banks, fintechs, remittance providers, casinos, bullion dealers<\/p><\/td><td width=\"265\"><p><strong>All of the above PLUS accountants, lawyers, real estate agents, TCSPs, and select financial advisers<\/strong><\/p><\/td><\/tr><tr><td width=\"127\"><p><strong>Program structure<\/strong><\/p><\/td><td width=\"232\"><p>Two-part: Part A + Part B documents<\/p><\/td><td width=\"265\"><p><strong>Single integrated, risk-based AML\/CTF program<\/strong><\/p><\/td><\/tr><tr><td width=\"127\"><p><strong>Customer due diligence<\/strong><\/p><\/td><td width=\"232\"><p>Required at onboarding only<\/p><\/td><td width=\"265\"><p><strong>Onboarding PLUS mandatory ongoing refresh when risk profile changes<\/strong><\/p><\/td><\/tr><tr><td width=\"127\"><p><strong>Beneficial ownership<\/strong><\/p><\/td><td width=\"232\"><p>Banks and financial institutions only<\/p><\/td><td width=\"265\"><p><strong>ALL reporting entities \u2014 identify persons with 25%+ control of any corporate or trust client<\/strong><\/p><\/td><\/tr><tr><td width=\"127\"><p><strong>PEP obligations<\/strong><\/p><\/td><td width=\"232\"><p>Foreign PEPs only<\/p><\/td><td width=\"265\"><p><strong>Domestic AND foreign PEPs \u2014 both require enhanced CDD<\/strong><\/p><\/td><\/tr><tr><td width=\"127\"><p><strong>AUSTRAC registration<\/strong><\/p><\/td><td width=\"232\"><p>Existing entities only<\/p><\/td><td width=\"265\"><p><strong>Mandatory for all Tranche 2 entities before providing designated services<\/strong><\/p><\/td><\/tr><tr><td width=\"127\"><p><strong>Tipping-off<\/strong><\/p><\/td><td width=\"232\"><p>Banks and existing entities<\/p><\/td><td width=\"265\"><p><strong>ALL reporting entities \u2014 now directly applies to lawyers and accountants<\/strong><\/p><\/td><\/tr><tr><td width=\"127\"><p><strong>Record retention<\/strong><\/p><\/td><td width=\"232\"><p>7 years (existing entities)<\/p><\/td><td width=\"265\"><p><strong>7 years \u2014 same standard, newly applied to professional services<\/strong><\/p><\/td><\/tr><tr><td width=\"127\"><p><strong>Enforcement exposure<\/strong><\/p><\/td><td width=\"232\"><p>Primarily financial institutions<\/p><\/td><td width=\"265\"><p><strong>All reporting entities including newly regulated professional services firms<\/strong><\/p><\/td><\/tr><\/tbody><\/table>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-48c7512 e-con-full e-flex e-con e-child\" data-id=\"48c7512\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2916ca7 elementor-widget__width-inherit elementor-widget elementor-widget-image\" data-id=\"2916ca7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"1500\" height=\"1000\" src=\"https:\/\/www.dbaadvisory.com\/wp-content\/uploads\/2026\/06\/AMLCTF-Obligations_Hero-1.webp\" class=\"attachment-full size-full wp-image-34777\" alt=\"an image of a subway tunnel, symbolizing the complexity of AML\/CTF Obligations\" srcset=\"https:\/\/www.dbaadvisory.com\/wp-content\/uploads\/2026\/06\/AMLCTF-Obligations_Hero-1.webp 1500w, https:\/\/www.dbaadvisory.com\/wp-content\/uploads\/2026\/06\/AMLCTF-Obligations_Hero-1-300x200.webp 300w, https:\/\/www.dbaadvisory.com\/wp-content\/uploads\/2026\/06\/AMLCTF-Obligations_Hero-1-1024x683.webp 1024w, https:\/\/www.dbaadvisory.com\/wp-content\/uploads\/2026\/06\/AMLCTF-Obligations_Hero-1-768x512.webp 768w, https:\/\/www.dbaadvisory.com\/wp-content\/uploads\/2026\/06\/AMLCTF-Obligations_Hero-1-18x12.webp 18w\" sizes=\"(max-width: 1500px) 100vw, 1500px\" title=\"\">\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b9d3e87 e-con-full e-flex e-con e-child\" data-id=\"b9d3e87\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4fa3352 elementor-widget elementor-widget-heading\" data-id=\"4fa3352\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">8 Changes defining the new AML\/CTF obligations<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-32961b8 e-con-full e-flex e-con e-child\" data-id=\"32961b8\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8f608ab elementor-widget__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"8f608ab\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Every newly designated professional services firm must understand these 8 structural changes before building its compliance program. They are not administrative updates \u2014 they define the legal standard against which AUSTRAC will assess your firm.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6bd8227 e-con-full e-flex e-con e-child\" data-id=\"6bd8227\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8ecdaa1 elementor-widget elementor-widget-heading\" data-id=\"8ecdaa1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h6 class=\"elementor-heading-title elementor-size-default\">01  Sector expansion \u2014 10,000 new reporting entities<\/h6>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-57e4fc6 e-con-full e-flex e-con e-child\" data-id=\"57e4fc6\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-afff95a elementor-widget__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"afff95a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>AUSTRAC estimates the reforms will bring approximately 10,000 new reporting entities into the regime \u2014 the largest single-cohort addition since the Act passed in 2006. For the legal and accounting professions, this change in professional obligations has no modern precedent.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-46fc023 e-con-full e-flex e-con e-child\" data-id=\"46fc023\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5aa8eb8 elementor-widget elementor-widget-heading\" data-id=\"5aa8eb8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h6 class=\"elementor-heading-title elementor-size-default\">02  Single integrated program \u2014 end of Part A \/ Part B<\/h6>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-58500d0 e-con-full e-flex e-con e-child\" data-id=\"58500d0\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5aa4518 elementor-widget__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"5aa4518\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>The old two-document structure is replaced by a single risk-based AML\/CTF program. The flexibility this affords requires genuine risk assessment capability \u2014 not template-filling. AUSTRAC\u2019s supervisory focus is on evidence of execution, not document existence.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2e1c91c e-con-full e-flex e-con e-child\" data-id=\"2e1c91c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-cabd8e6 elementor-blockquote--skin-boxed elementor-blockquote--button-view-icon-text elementor-blockquote--button-skin-classic elementor-widget elementor-widget-blockquote\" data-id=\"cabd8e6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"blockquote.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<blockquote class=\"elementor-blockquote\">\n\t\t\t<p class=\"elementor-blockquote__content\">\n\t\t\t\tMany professional services firms have established client relationships built on entity-level identification only. The Tranche 2 obligation requires revisiting those relationships to identify the natural persons who ultimately control the entity. For clients with complex structures, this is not a form-filling exercise \u2014 it requires genuine understanding and, in some cases, frank conversations.\t\t\t<\/p>\n\t\t\t\t\t\t\t<div class=\"e-q-footer\">\n\t\t\t\t\t\t\t\t\t\t\t<cite class=\"elementor-blockquote__author\">Why this is harder than it sounds<\/cite>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/twitter.com\/intent\/tweet?text=Many+professional+services+firms+have+established+client+relationships+built+on+entity-level+identification+only.+The+Tranche+2+obligation+requires+revisiting+those+relationships+to+identify+the+natural+persons+who+ultimately+control+the+entity.+For+clients+with+complex+structures%2C+this+is+not+a+form-filling+exercise+%E2%80%94+it+requires+genuine+understanding+and%2C+in+some+cases%2C+frank+conversations.+%E2%80%94+Why+this+is+harder+than+it+sounds&amp;url=https%3A%2F%2Fwww.dbaadvisory.com%2Fwp-json%2Fwp%2Fv2%2Fposts%2F34716%3F_locale%3Duser&amp;via=dbaadvisory\" class=\"elementor-blockquote__tweet-button\" target=\"_blank\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fab fa-twitter\"><\/i>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-blockquote__tweet-label\">Tweet<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/blockquote>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4815acd e-con-full e-flex e-con e-child\" data-id=\"4815acd\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-93c48f3 elementor-widget elementor-widget-heading\" data-id=\"93c48f3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h6 class=\"elementor-heading-title elementor-size-default\">03  Beneficial ownership \u2014 looking through the structure to the real person<\/h6>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6f29185 e-con-full e-flex e-con e-child\" data-id=\"6f29185\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-07725d3 elementor-widget__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"07725d3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>All reporting entities must now identify any natural person with 25% or more ownership or control of any corporate or trust client \u2014 at onboarding, not when a transaction is flagged. This means mapping through holding companies, discretionary trust deeds, and nominee arrangements to identify real individuals.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-d7f6e0e e-con-full e-flex e-con e-child\" data-id=\"d7f6e0e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6947731 elementor-widget elementor-widget-heading\" data-id=\"6947731\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h6 class=\"elementor-heading-title elementor-size-default\">04  Domestic PEPs \u2014 closing the loophole<\/h6>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-002973e e-con-full e-flex e-con e-child\" data-id=\"002973e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-55f65ae elementor-widget__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"55f65ae\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Enhanced CDD was previously mandatory only for foreign Politically Exposed Persons. Domestic PEPs \u2014 Australian politicians, senior public servants, senior judiciary members, and their close associates \u2014 require the same enhanced CDD. For firms that advise government clients or individuals connected to public office, this change has immediate client-by-client implications.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f32a8be e-con-full e-flex e-con e-child\" data-id=\"f32a8be\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-30e6302 elementor-widget elementor-widget-heading\" data-id=\"30e6302\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h6 class=\"elementor-heading-title elementor-size-default\">05  Ongoing CDD \u2014 from event-based to relationship-based compliance<\/h6>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7b2c607 e-con-full e-flex e-con e-child\" data-id=\"7b2c607\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d33b19e elementor-widget__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"d33b19e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Customer due diligence is no longer triggered by transactions alone. It is an ongoing obligation tied to the client relationship itself. Risk profiles must be monitored and refreshed when circumstances change or when program-defined periods have elapsed. For a firm with hundreds of established clients, this is a fundamental operating change that requires systematic scheduling, not ad hoc review.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-03f5092 e-con-full e-flex e-con e-child\" data-id=\"03f5092\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-987cc6d elementor-widget elementor-widget-heading\" data-id=\"987cc6d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h6 class=\"elementor-heading-title elementor-size-default\">06  Tipping-off now applies to lawyers and accountants<\/h6>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-31815dc e-con-full e-flex e-con e-child\" data-id=\"31815dc\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ac0b066 elementor-widget__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"ac0b066\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>The criminal prohibition on informing a client that a Suspicious Matter Report has been or may be lodged now directly applies to professional services firms. Its intersection with legal professional privilege is genuinely complex for legal practitioners.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1100f7f e-con-full e-flex e-con e-child\" data-id=\"1100f7f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-27be7fa elementor-blockquote--skin-boxed elementor-blockquote--button-view-icon-text elementor-blockquote--button-skin-classic elementor-widget elementor-widget-blockquote\" data-id=\"27be7fa\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"blockquote.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<blockquote class=\"elementor-blockquote\">\n\t\t\t<p class=\"elementor-blockquote__content\">\n\t\t\t\tThe Law Council has been actively engaged with the Attorney-General\u2019s Department on the tension between the tipping-off prohibition and lawyers\u2019 duties of confidentiality and legal professional privilege. Firms should not wait for final guidance before establishing internal SMR escalation protocols \u2014 the obligation applies regardless.\t\t\t<\/p>\n\t\t\t\t\t\t\t<div class=\"e-q-footer\">\n\t\t\t\t\t\t\t\t\t\t\t<cite class=\"elementor-blockquote__author\">Law Council of Australia position<\/cite>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/twitter.com\/intent\/tweet?text=The+Law+Council+has+been+actively+engaged+with+the+Attorney-General%E2%80%99s+Department+on+the+tension+between+the+tipping-off+prohibition+and+lawyers%E2%80%99+duties+of+confidentiality+and+legal+professional+privilege.+Firms+should+not+wait+for+final+guidance+before+establishing+internal+SMR+escalation+protocols+%E2%80%94+the+obligation+applies+regardless.+%E2%80%94+Law+Council+of+Australia+position&amp;url=https%3A%2F%2Fwww.dbaadvisory.com%2Fwp-json%2Fwp%2Fv2%2Fposts%2F34716%3F_locale%3Duser&amp;via=dbaadvisory\" class=\"elementor-blockquote__tweet-button\" target=\"_blank\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fab fa-twitter\"><\/i>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-blockquote__tweet-label\">Tweet<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/blockquote>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-bb25afb e-con-full e-flex e-con e-child\" data-id=\"bb25afb\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3f10473 elementor-widget elementor-widget-heading\" data-id=\"3f10473\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h6 class=\"elementor-heading-title elementor-size-default\">07  Single customer identification procedure<\/h6>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-afa5649 e-con-full e-flex e-con e-child\" data-id=\"afa5649\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ce4b1ef elementor-widget__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"ce4b1ef\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Multiple identification pathways are replaced by a single standard: identity collection, verification, and beneficial ownership analysis in one coherent process. Known-client exemptions and informal identification practices no longer satisfy the obligation.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f6563df e-con-full e-flex e-con e-child\" data-id=\"f6563df\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-58b1c7d elementor-widget elementor-widget-heading\" data-id=\"58b1c7d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h6 class=\"elementor-heading-title elementor-size-default\">08  Proactive supervision \u2014 AUSTRAC is not waiting<\/h6>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-0d78af9 e-con-full e-flex e-con e-child\" data-id=\"0d78af9\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c396d5a elementor-widget__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"c396d5a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>AUSTRAC has signalled a proactive supervisory model for Tranche 2 entities from day one of commencement. Its published guidance explicitly states an expectation of operationalised programs \u2014 not programs in development.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2ceafec e-con-full e-flex e-con e-child\" data-id=\"2ceafec\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ca687b3 elementor-blockquote--skin-boxed elementor-blockquote--button-view-icon-text elementor-blockquote--button-skin-classic elementor-widget elementor-widget-blockquote\" data-id=\"ca687b3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"blockquote.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<blockquote class=\"elementor-blockquote\">\n\t\t\t<p class=\"elementor-blockquote__content\">\n\t\t\t\tAUSTRAC has been building supervisory capacity specifically to apply it to newly regulated entities from commencement.\t\t\t<\/p>\n\t\t\t\t\t\t\t<div class=\"e-q-footer\">\n\t\t\t\t\t\t\t\t\t\t\t<cite class=\"elementor-blockquote__author\">Do not assume a grace period.<\/cite>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/twitter.com\/intent\/tweet?text=AUSTRAC+has+been+building+supervisory+capacity+specifically+to+apply+it+to+newly+regulated+entities+from+commencement.+%E2%80%94+Do+not+assume+a+grace+period.&amp;url=https%3A%2F%2Fwww.dbaadvisory.com%2Fwp-json%2Fwp%2Fv2%2Fposts%2F34716%3F_locale%3Duser&amp;via=dbaadvisory\" class=\"elementor-blockquote__tweet-button\" target=\"_blank\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fab fa-twitter\"><\/i>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-blockquote__tweet-label\">Tweet<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/blockquote>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4572b87 e-con-full e-flex e-con e-child\" data-id=\"4572b87\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1216122 elementor-widget__width-inherit elementor-widget elementor-widget-image\" data-id=\"1216122\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"1500\" height=\"1000\" src=\"https:\/\/www.dbaadvisory.com\/wp-content\/uploads\/2026\/06\/AMLCTF-Obligations_Firms.webp\" class=\"attachment-full size-full wp-image-34775\" alt=\"an image of a modern apartment complex symbolizing the structural changes and the AML\/CTF Obligations for Professional Services 2026\" srcset=\"https:\/\/www.dbaadvisory.com\/wp-content\/uploads\/2026\/06\/AMLCTF-Obligations_Firms.webp 1500w, https:\/\/www.dbaadvisory.com\/wp-content\/uploads\/2026\/06\/AMLCTF-Obligations_Firms-300x200.webp 300w, https:\/\/www.dbaadvisory.com\/wp-content\/uploads\/2026\/06\/AMLCTF-Obligations_Firms-1024x683.webp 1024w, https:\/\/www.dbaadvisory.com\/wp-content\/uploads\/2026\/06\/AMLCTF-Obligations_Firms-768x512.webp 768w, https:\/\/www.dbaadvisory.com\/wp-content\/uploads\/2026\/06\/AMLCTF-Obligations_Firms-18x12.webp 18w\" sizes=\"(max-width: 1500px) 100vw, 1500px\" title=\"\">\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-65c3599 e-con-full e-flex e-con e-child\" data-id=\"65c3599\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5db8ee4 elementor-widget elementor-widget-heading\" data-id=\"5db8ee4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">6 AML\/CTF obligations every firm must implement<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ae80532 e-con-full e-flex e-con e-child\" data-id=\"ae80532\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b167e14 elementor-widget__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"b167e14\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>The 8 changes above describe what has structurally shifted. The 6 <strong>AML\/CTF obligations<\/strong> below describe what every newly designated firm must actually build and operate.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7746f31 e-con-full e-flex e-con e-child\" data-id=\"7746f31\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4464d36 elementor-widget elementor-widget-heading\" data-id=\"4464d36\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h6 class=\"elementor-heading-title elementor-size-default\">1.  Register with AUSTRAC \u2014 on or before 30 June 2026<\/h6>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1d8e447 e-con-full e-flex e-con e-child\" data-id=\"1d8e447\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f6b5dbf elementor-widget__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"f6b5dbf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Register via AUSTRAC Online before providing designated services. Disclosures required: ownership structure, key management personnel, and the designated service categories being offered. Operating unregistered after 1 July 2026 is a civil penalty offence.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a06b73e e-con-full e-flex e-con e-child\" data-id=\"a06b73e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-46e3c0c elementor-widget elementor-widget-heading\" data-id=\"46e3c0c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h6 class=\"elementor-heading-title elementor-size-default\">2.  Write and adopt a single integrated AML\/CTF program<\/h6>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e13da72 e-con-full e-flex e-con e-child\" data-id=\"e13da72\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-afa8050 elementor-widget__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"afa8050\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>A single, written, risk-based document \u2014 not Part A and Part B \u2014 covering: ML\/TF risk assessment; KYC procedures; beneficial ownership identification; ongoing CDD triggers; staff training requirements; a designated compliance officer; an independent review mechanism; and 7-year record-keeping procedures.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f0f2bfd e-con-full e-flex e-con e-child\" data-id=\"f0f2bfd\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-01d5f76 elementor-widget elementor-widget-heading\" data-id=\"01d5f76\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h6 class=\"elementor-heading-title elementor-size-default\">3.  Know Your Customer (KYC) and customer due diligence<\/h6>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ea3d18e e-con-full e-flex e-con e-child\" data-id=\"ea3d18e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7e89949 elementor-widget__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"7e89949\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Standard CDD for most clients: legal name, date of birth, address, and beneficial ownership information, verified against independent sources. Enhanced CDD for domestic and foreign PEPs, clients from FATF high-risk jurisdictions, unusual transaction structures, and clients unable to provide satisfactory identification.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-47fbfc4 e-con-full e-flex e-con e-child\" data-id=\"47fbfc4\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e36efbd elementor-widget elementor-widget-heading\" data-id=\"e36efbd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h6 class=\"elementor-heading-title elementor-size-default\">4.  Ongoing monitoring and CDD refresh<\/h6>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1c9582e e-con-full e-flex e-con e-child\" data-id=\"1c9582e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-bf618d7 elementor-widget__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"bf618d7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Monitor client relationships continuously. Refresh CDD when risk profiles change materially, when transactions are inconsistent with known profiles, when new information emerges, or when program-defined periods have elapsed (typically 1\u20133 years for standard-risk clients).<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e6ada8e e-con-full e-flex e-con e-child\" data-id=\"e6ada8e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-562943a elementor-widget elementor-widget-heading\" data-id=\"562943a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h6 class=\"elementor-heading-title elementor-size-default\">5.  Lodge Suspicious Matter Reports when required<\/h6>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a5eb06d e-con-full e-flex e-con e-child\" data-id=\"a5eb06d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f1e8345 elementor-widget__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"f1e8345\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Where reasonable grounds exist to suspect money laundering, terrorism financing, or related offences: lodge an SMR with AUSTRAC within 3 business days of forming a suspicion, or 24 hours where terrorism financing is suspected. Establish internal escalation protocols that comply with the tipping-off prohibition.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f1b446c e-con-full e-flex e-con e-child\" data-id=\"f1b446c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6626463 elementor-widget elementor-widget-heading\" data-id=\"6626463\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h6 class=\"elementor-heading-title elementor-size-default\">6.  Retain all records for a minimum of 7 years<\/h6>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-0854cae e-con-full e-flex e-con e-child\" data-id=\"0854cae\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-20703fe elementor-widget__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"20703fe\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Customer identification documents, transaction records, CDD file notes, training logs, and SMR decisions \u2014 all must be retained and producible to AUSTRAC at any time.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-d3d3c2a e-con-full e-flex e-con e-child\" data-id=\"d3d3c2a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-930d3a6 elementor-widget elementor-widget-heading\" data-id=\"930d3a6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">AML\/CTF obligations require operational discipline, not paperwork<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-eab5323 e-con-full e-flex e-con e-child\" data-id=\"eab5323\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7b5bd64 elementor-widget__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"7b5bd64\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>The AML\/CTF obligations are not a checklist to complete once. They are a framework to embed into how your firm operates: how it onboards clients, monitors relationships, escalates concerns, and documents decisions.<br \/>AUSTRAC\u2019s standard is evidence of practice \u2014 transaction records, training logs, CDD file notes, documented SMR decisions. A program document alone will not satisfy a supervisory review. The firms that build genuine operational compliance will be in a materially different position to those that build documentation compliance.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c7d7642 e-con-full e-flex e-con e-child\" data-id=\"c7d7642\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-eb445ab elementor-blockquote--skin-boxed elementor-blockquote--button-view-icon-text elementor-blockquote--button-skin-classic elementor-widget elementor-widget-blockquote\" data-id=\"eb445ab\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"blockquote.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<blockquote class=\"elementor-blockquote\">\n\t\t\t<p class=\"elementor-blockquote__content\">\n\t\t\t\tPaper compliance will not withstand scrutiny. Operational compliance will.\t\t\t<\/p>\n\t\t\t\t\t\t\t<div class=\"e-q-footer\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/twitter.com\/intent\/tweet?text=Paper+compliance+will+not+withstand+scrutiny.+Operational+compliance+will.&amp;url=https%3A%2F%2Fwww.dbaadvisory.com%2Fwp-json%2Fwp%2Fv2%2Fposts%2F34716%3F_locale%3Duser&amp;via=dbaadvisory\" class=\"elementor-blockquote__tweet-button\" target=\"_blank\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fab fa-twitter\"><\/i>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-blockquote__tweet-label\">Tweet<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/blockquote>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2fc541a e-con-full e-flex e-con e-child\" data-id=\"2fc541a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-517ebc8 elementor-widget__width-inherit elementor-widget elementor-widget-image\" data-id=\"517ebc8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"1500\" height=\"1000\" src=\"https:\/\/www.dbaadvisory.com\/wp-content\/uploads\/2026\/06\/AMLCTF-Tranche-2_excuse.webp\" class=\"attachment-full size-full wp-image-34769\" alt=\"in image of a surfer against Perth&amp;apos;s Skyline symbolizing the strength and dedication newly designated firms must have to fulfill their AML\/CTF obligations\" srcset=\"https:\/\/www.dbaadvisory.com\/wp-content\/uploads\/2026\/06\/AMLCTF-Tranche-2_excuse.webp 1500w, https:\/\/www.dbaadvisory.com\/wp-content\/uploads\/2026\/06\/AMLCTF-Tranche-2_excuse-300x200.webp 300w, https:\/\/www.dbaadvisory.com\/wp-content\/uploads\/2026\/06\/AMLCTF-Tranche-2_excuse-1024x683.webp 1024w, https:\/\/www.dbaadvisory.com\/wp-content\/uploads\/2026\/06\/AMLCTF-Tranche-2_excuse-768x512.webp 768w, https:\/\/www.dbaadvisory.com\/wp-content\/uploads\/2026\/06\/AMLCTF-Tranche-2_excuse-18x12.webp 18w\" sizes=\"(max-width: 1500px) 100vw, 1500px\" title=\"\">\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-d28229e e-con-full e-flex e-con e-child\" data-id=\"d28229e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9db1de8 elementor-widget elementor-widget-heading\" data-id=\"9db1de8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">How DBA Advisory supports<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-d6f4106 e-con-full e-flex e-con e-child\" data-id=\"d6f4106\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-32500e9 elementor-widget__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"32500e9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>DBA Advisory works with professional services firms, financial businesses, and private enterprises across Australia to build AML\/CTF programs that are genuinely defensible \u2014 tailored to your firm\u2019s specific risk profile, embedded in your operating procedures, and built to withstand AUSTRAC scrutiny. All engagements are delivered on a fixed-fee basis \u2014 so the cost of compliance is certain before the work begins.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-60f63dd e-con-full e-flex e-con e-child\" data-id=\"60f63dd\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8b60e8b elementor-widget elementor-widget-heading\" data-id=\"8b60e8b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Frequently Asked Questions (FAQs)<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f3ffc52 e-con-full e-flex e-con e-child\" data-id=\"f3ffc52\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4197858 elementor-widget__width-inherit elementor-widget-tablet__width-inherit elementor-widget elementor-widget-ucaddon_uc_icon_accordion\" data-id=\"4197858\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"ucaddon_uc_icon_accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n<!-- start Icon Accordion -->\n\t\t<link id='font-awesome-css' href='https:\/\/www.dbaadvisory.com\/wp-content\/plugins\/unlimited-elements-for-elementor\/assets_libraries\/font-awesome6\/fontawesome-all.min.css' type='text\/css' rel='stylesheet' >\n\t\t<link id='font-awesome-4-shim-css' href='https:\/\/www.dbaadvisory.com\/wp-content\/plugins\/unlimited-elements-for-elementor\/assets_libraries\/font-awesome6\/fontawesome-v4-shims.min.css' type='text\/css' rel='stylesheet' >\n\n<style>\/* widget: Icon Accordion *\/\n\n#uc_uc_icon_accordion_elementor_4197858 *{\n\tbox-sizing: border-box;\n}\n\n#uc_uc_icon_accordion_elementor_4197858 .uc_container .uc-heading{\n\tcursor:pointer;\n    display:flex;\n    align-items:center;\n    transition:0.3s;\n}\n\n#uc_uc_icon_accordion_elementor_4197858 .uc_container .uc-heading span.bbb{\n\tdisplay:block;\t  \n}\n\n#uc_uc_icon_accordion_elementor_4197858 .uc_ac_box.uc-item-active span.uc_dactive{\n\tdisplay:none;\n}\n\n#uc_uc_icon_accordion_elementor_4197858 .uc_ac_box:not(.uc-item-active) span.uc_active{\n\tdisplay:none;\n}\n\n#uc_uc_icon_accordion_elementor_4197858 .ue_icon_holder,\n#uc_uc_icon_accordion_elementor_4197858 .ue_icon_spacing{\n  flex-grow:0;\n  flex-shrink:0; \n}\n\n#uc_uc_icon_accordion_elementor_4197858 .uc_content{\n\tdisplay: none;\n}\n\n#uc_uc_icon_accordion_elementor_4197858 .ue_icon{\n  display:flex;\n  justify-content:center;\n  align-items:center;\n  line-height:1em;\n  transition:0.3s;\n}\n\n#uc_uc_icon_accordion_elementor_4197858 .ue_icon svg{\n  height:1em;\n  width:1em;\n}\n\n#uc_uc_icon_accordion_elementor_4197858 .ue_expand_inside{\n  display:flex;\n  justify-content:center;\n  align-items:center;\n  line-height:1em;\n}\n\n#uc_uc_icon_accordion_elementor_4197858 .ue_expand_inside svg{\n  height:1em;\n  width:1em;\n}\n\n#uc_uc_icon_accordion_elementor_4197858 .ue_expand,\n#uc_uc_icon_accordion_elementor_4197858 .ue_expand_spacing{\n  flex-grow:0;\n  flex-shrink:0;\n}\n\n#uc_uc_icon_accordion_elementor_4197858 .ue_title{\n  flex-grow:1;\n}\n\n#uc_uc_icon_accordion_elementor_4197858 .uc_ac_box:last-child{\n  margin-bottom:0px;\n}\n\n#uc_uc_icon_accordion_elementor_4197858 .uc_ac_box{\n  overflow:hidden;\n}\n\n<\/style>\n\n<div class=\"uc_material_accordion  \"  id=\"uc_uc_icon_accordion_elementor_4197858\" data-name=\"\" data-closeothers=\"true\"  data-scrolltohead=\"off\">\n  <div class=\"uc_container uc-items-wrapper\">\n    \n\n<div id=\"uc_uc_icon_accordion_elementor_4197858_item1\" class=\"uc_ac_box  elementor-repeater-item-80b2886\">\n  <div class=\"uc-heading uc_trigger\" role=\"button\" aria-controls=\"uc_uc_icon_accordion_elementor_4197858_item1-content\" tabindex=\"0\" aria-expanded=\"false\">\n    \n        \n    <div id=\"uc_uc_icon_accordion_elementor_4197858_item1-title\" class=\"ue_title\">What are the AML\/CTF obligations for professional services firms in Australia from 2026?<\/div>    \n    \n          <div class=\"ue_expand_spacing\"><\/div>\n      <div class=\"ue_expand\">\n        <div class=\"ue_expand_inside\">\n          <span class=\"uc_dactive bbb ue_accordion_icon\" ><i class='fas fa-plus'><\/i><\/span>\n          <span class=\"uc_active bbb ue_accordion_icon\"><i class='fas fa-minus'><\/i><\/span>\n        <\/div>\n      <\/div>\n        \n  <\/div>\n  \n  <div id=\"uc_uc_icon_accordion_elementor_4197858_item1-content\" class=\"uc_content\" role=\"region\" aria-labelledby=\"uc_uc_icon_accordion_elementor_4197858_item1-title\" >\n          <p>The AML\/CTF obligations for professional services firms are: (1) register with AUSTRAC before providing designated services; (2) maintain a single integrated risk-based AML\/CTF program; (3) conduct KYC and customer due diligence at onboarding and on an ongoing basis; (4) monitor client relationships and refresh CDD when risk profiles change; (5) lodge Suspicious Matter Reports within 3 business days of forming a suspicion (or 24 hours for terrorism financing); and (6) retain all AML\/CTF records for a minimum of 7 years. AUSTRAC\u2019s supervisory focus is on evidence that these obligations are actually followed in practice.<\/p>\n     \n    \n     \n    \n  <\/div>\n<\/div>\n\n\n<div id=\"uc_uc_icon_accordion_elementor_4197858_item2\" class=\"uc_ac_box  elementor-repeater-item-482d5cb\">\n  <div class=\"uc-heading uc_trigger\" role=\"button\" aria-controls=\"uc_uc_icon_accordion_elementor_4197858_item2-content\" tabindex=\"0\" aria-expanded=\"false\">\n    \n        \n    <div id=\"uc_uc_icon_accordion_elementor_4197858_item2-title\" class=\"ue_title\">What is an AML\/CTF program and what must it contain under the new rules?<\/div>    \n    \n          <div class=\"ue_expand_spacing\"><\/div>\n      <div class=\"ue_expand\">\n        <div class=\"ue_expand_inside\">\n          <span class=\"uc_dactive bbb ue_accordion_icon\" ><i class='fas fa-plus'><\/i><\/span>\n          <span class=\"uc_active bbb ue_accordion_icon\"><i class='fas fa-minus'><\/i><\/span>\n        <\/div>\n      <\/div>\n        \n  <\/div>\n  \n  <div id=\"uc_uc_icon_accordion_elementor_4197858_item2-content\" class=\"uc_content\" role=\"region\" aria-labelledby=\"uc_uc_icon_accordion_elementor_4197858_item2-title\" >\n          <p>An AML\/CTF program is a single, written, risk-based document that every designated reporting entity must maintain and operate. Under the reformed framework, it replaces the old Part A \/ Part B two-document structure. The program must cover: a documented ML\/TF risk assessment; customer identification and KYC procedures; beneficial ownership identification procedures; ongoing CDD triggers; staff training requirements; a designated compliance officer; an independent review mechanism; and 7-year record-keeping procedures. The key standard is that the program must be operationalised \u2014 embedded in how the firm actually works, not just documented in a folder.<\/p>\n     \n    \n     \n    \n  <\/div>\n<\/div>\n\n\n<div id=\"uc_uc_icon_accordion_elementor_4197858_item3\" class=\"uc_ac_box  elementor-repeater-item-7d630f0\">\n  <div class=\"uc-heading uc_trigger\" role=\"button\" aria-controls=\"uc_uc_icon_accordion_elementor_4197858_item3-content\" tabindex=\"0\" aria-expanded=\"false\">\n    \n        \n    <div id=\"uc_uc_icon_accordion_elementor_4197858_item3-title\" class=\"ue_title\">What is beneficial ownership and how must professional services firms identify it?<\/div>    \n    \n          <div class=\"ue_expand_spacing\"><\/div>\n      <div class=\"ue_expand\">\n        <div class=\"ue_expand_inside\">\n          <span class=\"uc_dactive bbb ue_accordion_icon\" ><i class='fas fa-plus'><\/i><\/span>\n          <span class=\"uc_active bbb ue_accordion_icon\"><i class='fas fa-minus'><\/i><\/span>\n        <\/div>\n      <\/div>\n        \n  <\/div>\n  \n  <div id=\"uc_uc_icon_accordion_elementor_4197858_item3-content\" class=\"uc_content\" role=\"region\" aria-labelledby=\"uc_uc_icon_accordion_elementor_4197858_item3-title\" >\n          <p>Beneficial ownership refers to the natural person or persons who ultimately own or control a legal entity \u2014 specifically, any individual with 25% or more ownership or control rights. Professional services firms must now identify beneficial owners of corporate and trust clients at onboarding \u2014 not just when a transaction is flagged. This means mapping through holding company structures, discretionary trust deeds, and nominee arrangements to identify real individuals. Collecting a certificate of incorporation alone is not sufficient. AUSTRAC\u2019s standard is genuine understanding of who controls the entity, documented at the time of onboarding.<\/p>\n     \n    \n     \n    \n  <\/div>\n<\/div>\n\n\n<div id=\"uc_uc_icon_accordion_elementor_4197858_item4\" class=\"uc_ac_box  elementor-repeater-item-7fd6cd7\">\n  <div class=\"uc-heading uc_trigger\" role=\"button\" aria-controls=\"uc_uc_icon_accordion_elementor_4197858_item4-content\" tabindex=\"0\" aria-expanded=\"false\">\n    \n        \n    <div id=\"uc_uc_icon_accordion_elementor_4197858_item4-title\" class=\"ue_title\">What is the difference between standard and enhanced CDD under the new AML\/CTF obligations?<\/div>    \n    \n          <div class=\"ue_expand_spacing\"><\/div>\n      <div class=\"ue_expand\">\n        <div class=\"ue_expand_inside\">\n          <span class=\"uc_dactive bbb ue_accordion_icon\" ><i class='fas fa-plus'><\/i><\/span>\n          <span class=\"uc_active bbb ue_accordion_icon\"><i class='fas fa-minus'><\/i><\/span>\n        <\/div>\n      <\/div>\n        \n  <\/div>\n  \n  <div id=\"uc_uc_icon_accordion_elementor_4197858_item4-content\" class=\"uc_content\" role=\"region\" aria-labelledby=\"uc_uc_icon_accordion_elementor_4197858_item4-title\" >\n          <p>Standard customer due diligence (CDD) applies to most clients and requires collection and verification of full legal name, date of birth, and address for individuals; or ABN\/ACN, registered address, and beneficial ownership information for entities \u2014 verified against reliable independent sources. Enhanced CDD applies to higher-risk clients: domestic and foreign Politically Exposed Persons, clients from FATF high-risk jurisdictions, clients with unusual or complex transaction structures, and clients who are reluctant to provide satisfactory identification. Enhanced CDD requires deeper investigation into source of wealth and the commercial purpose of the transaction, plus more frequent ongoing monitoring.<\/p>\n     \n    \n     \n    \n  <\/div>\n<\/div>\n\n\n<div id=\"uc_uc_icon_accordion_elementor_4197858_item5\" class=\"uc_ac_box  elementor-repeater-item-54dc04f\">\n  <div class=\"uc-heading uc_trigger\" role=\"button\" aria-controls=\"uc_uc_icon_accordion_elementor_4197858_item5-content\" tabindex=\"0\" aria-expanded=\"false\">\n    \n        \n    <div id=\"uc_uc_icon_accordion_elementor_4197858_item5-title\" class=\"ue_title\">Do Australian politicians and public servants require enhanced due diligence from 2026?<\/div>    \n    \n          <div class=\"ue_expand_spacing\"><\/div>\n      <div class=\"ue_expand\">\n        <div class=\"ue_expand_inside\">\n          <span class=\"uc_dactive bbb ue_accordion_icon\" ><i class='fas fa-plus'><\/i><\/span>\n          <span class=\"uc_active bbb ue_accordion_icon\"><i class='fas fa-minus'><\/i><\/span>\n        <\/div>\n      <\/div>\n        \n  <\/div>\n  \n  <div id=\"uc_uc_icon_accordion_elementor_4197858_item5-content\" class=\"uc_content\" role=\"region\" aria-labelledby=\"uc_uc_icon_accordion_elementor_4197858_item5-title\" >\n          <p>Yes. Under the Tranche 2 reforms, both domestic and foreign Politically Exposed Persons require enhanced customer due diligence from 1 July 2026. Domestic PEPs include Australian politicians (federal and state), senior public servants, senior judiciary members, senior military officers, and their immediate family members and close associates. This is a significant change from the previous framework, which required enhanced CDD only for foreign PEPs. Professional services firms that advise government clients or individuals connected to public office must review their existing client base and update their onboarding procedures accordingly.<\/p>\n     \n    \n     \n    \n  <\/div>\n<\/div>\n\n  <\/div>\n<\/div>\n<!-- end Icon Accordion -->\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4e9668d e-con-full e-flex e-con e-child\" data-id=\"4e9668d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b1d4b89 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"b1d4b89\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e8e84c6 e-con-full e-flex e-con e-child\" data-id=\"e8e84c6\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a77ebf8 elementor-widget elementor-widget-heading\" data-id=\"a77ebf8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h6 class=\"elementor-heading-title elementor-size-default\">Disclaimer<\/h6>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-07fcd3e e-con-full e-flex e-con e-child\" data-id=\"07fcd3e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a4afa31 elementor-widget elementor-widget-text-editor\" data-id=\"a4afa31\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><em>\u00a9 DBA Advisory 2026. This article is intended as general information only and does not constitute legal or compliance advice. Businesses should seek qualified advice specific to their circumstances before acting on any information contained in this article.<\/em><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-fc0886d e-flex e-con-boxed e-con e-parent\" data-id=\"fc0886d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-c1168c8 e-con-full e-flex e-con e-child\" data-id=\"c1168c8\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;video&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-631f882 e-con-full e-flex e-con e-child\" data-id=\"631f882\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-57a1aa9 elementor-widget elementor-widget-heading\" data-id=\"57a1aa9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h6 class=\"elementor-heading-title elementor-size-default\">Related content<\/h6>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-8f10396 e-con-full e-flex e-con e-child\" data-id=\"8f10396\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9992d46 elementor-grid-3 elementor-grid-tablet-2 elementor-grid-mobile-1 elementor-widget elementor-widget-loop-grid\" data-id=\"9992d46\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;template_id&quot;:15976,&quot;row_gap&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:25,&quot;sizes&quot;:[]},&quot;columns&quot;:3,&quot;_skin&quot;:&quot;post&quot;,&quot;columns_tablet&quot;:&quot;2&quot;,&quot;columns_mobile&quot;:&quot;1&quot;,&quot;edit_handle_selector&quot;:&quot;[data-elementor-type=\\&quot;loop-item\\&quot;]&quot;,&quot;row_gap_widescreen&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;row_gap_laptop&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;row_gap_tablet_extra&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;row_gap_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;row_gap_mobile_extra&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;row_gap_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"loop-grid.post\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-loop-container elementor-grid\" role=\"list\">\n\t\t<style id=\"loop-15976\">.elementor-15976 .elementor-element.elementor-element-711ace2{--display:flex;--min-height:0vh;--flex-direction:column;--container-widget-width:calc( ( 1 - var( --container-widget-flex-grow ) ) * 100% );--container-widget-height:initial;--container-widget-flex-grow:0;--container-widget-align-self:initial;--flex-wrap-mobile:wrap;--justify-content:center;--align-items:center;--gap:0px 0px;--row-gap:0px;--column-gap:0px;--flex-wrap:wrap;--align-content:center;--overlay-opacity:0.5;border-style:solid;--border-style:solid;border-width:1px 1px 1px 1px;--border-top-width:1px;--border-right-width:1px;--border-bottom-width:1px;--border-left-width:1px;border-color:#8000FF33;--border-color:#8000FF33;--margin-top:0px;--margin-bottom:0px;--margin-left:0px;--margin-right:0px;--padding-top:0%;--padding-bottom:0%;--padding-left:0%;--padding-right:0%;}.elementor-15976 .elementor-element.elementor-element-711ace2::before, .elementor-15976 .elementor-element.elementor-element-711ace2 > .elementor-background-video-container::before, .elementor-15976 .elementor-element.elementor-element-711ace2 > .e-con-inner > .elementor-background-video-container::before, .elementor-15976 .elementor-element.elementor-element-711ace2 > .elementor-background-slideshow::before, .elementor-15976 .elementor-element.elementor-element-711ace2 > .e-con-inner > .elementor-background-slideshow::before, .elementor-15976 .elementor-element.elementor-element-711ace2 > .elementor-motion-effects-container > .elementor-motion-effects-layer::before{--background-overlay:'';}.elementor-15976 .elementor-element.elementor-element-711ace2.e-con{--align-self:flex-start;}.elementor-15976 .elementor-element.elementor-element-01028a9{--display:flex;--min-height:0vh;--flex-direction:column;--container-widget-width:calc( ( 1 - var( --container-widget-flex-grow ) ) * 100% );--container-widget-height:initial;--container-widget-flex-grow:0;--container-widget-align-self:initial;--flex-wrap-mobile:wrap;--justify-content:center;--align-items:center;--gap:0px 0px;--row-gap:0px;--column-gap:0px;--flex-wrap:wrap;--align-content:center;--margin-top:0px;--margin-bottom:0px;--margin-left:0px;--margin-right:0px;--padding-top:0px;--padding-bottom:0px;--padding-left:0px;--padding-right:0px;}.elementor-15976 .elementor-element.elementor-element-01028a9.e-con{--align-self:center;}.elementor-15976 .elementor-element.elementor-element-f46a4ac{--display:flex;--min-height:0vh;--flex-direction:row;--container-widget-width:calc( ( 1 - var( --container-widget-flex-grow ) ) * 100% );--container-widget-height:100%;--container-widget-flex-grow:1;--container-widget-align-self:stretch;--flex-wrap-mobile:wrap;--justify-content:center;--align-items:center;--gap:0px 0px;--row-gap:0px;--column-gap:0px;--flex-wrap:wrap;--align-content:flex-end;--margin-top:0px;--margin-bottom:0px;--margin-left:0px;--margin-right:0px;--padding-top:0%;--padding-bottom:0%;--padding-left:0%;--padding-right:0%;}.elementor-15976 .elementor-element.elementor-element-f46a4ac.e-con{--align-self:center;--flex-grow:1;--flex-shrink:0;}.elementor-widget-theme-post-featured-image .widget-image-caption{color:var( --e-global-color-text );font-family:var( --e-global-typography-text-font-family ), Sans-serif;font-size:var( --e-global-typography-text-font-size );font-weight:var( --e-global-typography-text-font-weight );line-height:var( --e-global-typography-text-line-height );letter-spacing:var( --e-global-typography-text-letter-spacing );word-spacing:var( --e-global-typography-text-word-spacing );}.elementor-15976 .elementor-element.elementor-element-bf566fb > .elementor-widget-container{margin:0px 0px 0px 0px;padding:0px 0px 0px 0px;}.elementor-15976 .elementor-element.elementor-element-bf566fb{width:100%;max-width:100%;}.elementor-15976 .elementor-element.elementor-element-bf566fb.elementor-element{--align-self:center;--flex-grow:1;--flex-shrink:0;}.elementor-15976 .elementor-element.elementor-element-5cdfee3{--display:flex;--min-height:20vh;--flex-direction:row;--container-widget-width:initial;--container-widget-height:100%;--container-widget-flex-grow:1;--container-widget-align-self:stretch;--flex-wrap-mobile:wrap;--justify-content:center;--gap:10px 10px;--row-gap:10px;--column-gap:10px;--flex-wrap:wrap;--align-content:flex-start;--margin-top:0%;--margin-bottom:0%;--margin-left:0%;--margin-right:0%;--padding-top:4%;--padding-bottom:4%;--padding-left:4%;--padding-right:4%;}.elementor-15976 .elementor-element.elementor-element-5cdfee3:not(.elementor-motion-effects-element-type-background), .elementor-15976 .elementor-element.elementor-element-5cdfee3 > .elementor-motion-effects-container > .elementor-motion-effects-layer{background-color:#FFFFFF;}.elementor-15976 .elementor-element.elementor-element-5cdfee3.e-con{--align-self:center;--order:99999 \/* order end hack *\/;}.elementor-15976 .elementor-element.elementor-element-fffbccc{--display:flex;--min-height:0vh;--flex-direction:row;--container-widget-width:calc( ( 1 - var( --container-widget-flex-grow ) ) * 100% );--container-widget-height:100%;--container-widget-flex-grow:1;--container-widget-align-self:stretch;--flex-wrap-mobile:wrap;--justify-content:center;--align-items:center;--gap:0px 0px;--row-gap:0px;--column-gap:0px;--flex-wrap:wrap;--align-content:flex-start;--margin-top:0px;--margin-bottom:0px;--margin-left:0px;--margin-right:0px;--padding-top:0%;--padding-bottom:0%;--padding-left:0%;--padding-right:0%;}.elementor-15976 .elementor-element.elementor-element-fffbccc.e-con{--align-self:center;--flex-grow:1;--flex-shrink:0;}.elementor-widget-theme-post-title .elementor-heading-title{font-family:var( --e-global-typography-primary-font-family ), Sans-serif;font-size:var( --e-global-typography-primary-font-size );font-weight:var( --e-global-typography-primary-font-weight );line-height:var( --e-global-typography-primary-line-height );letter-spacing:var( --e-global-typography-primary-letter-spacing );word-spacing:var( --e-global-typography-primary-word-spacing );color:var( --e-global-color-primary );}.elementor-15976 .elementor-element.elementor-element-913070a{text-align:start;width:100%;max-width:100%;}.elementor-15976 .elementor-element.elementor-element-913070a .elementor-heading-title{font-family:\"Outfit\", Sans-serif;font-size:2.2rem;font-weight:600;line-height:2.8rem;letter-spacing:-0.05rem;word-spacing:0rem;color:#000000;}.elementor-15976 .elementor-element.elementor-element-913070a .elementor-heading-title a:hover, .elementor-15976 .elementor-element.elementor-element-913070a .elementor-heading-title a:focus{color:#005CE5;}.elementor-15976 .elementor-element.elementor-element-913070a > .elementor-widget-container{margin:0px 0px 0px 0px;padding:0px 0px 0px 0px;}.elementor-15976 .elementor-element.elementor-element-913070a.elementor-element{--align-self:center;--flex-grow:1;--flex-shrink:0;}.elementor-15976 .elementor-element.elementor-element-954e3d9{--display:flex;--min-height:0vh;--flex-direction:row;--container-widget-width:calc( ( 1 - var( --container-widget-flex-grow ) ) * 100% );--container-widget-height:100%;--container-widget-flex-grow:1;--container-widget-align-self:stretch;--flex-wrap-mobile:wrap;--justify-content:flex-start;--align-items:flex-start;--gap:0px 0px;--row-gap:0px;--column-gap:0px;--flex-wrap:wrap;--align-content:flex-start;--margin-top:0px;--margin-bottom:0px;--margin-left:0px;--margin-right:0px;--padding-top:0%;--padding-bottom:0%;--padding-left:0%;--padding-right:0%;}.elementor-15976 .elementor-element.elementor-element-954e3d9.e-con{--align-self:center;--flex-grow:1;--flex-shrink:0;}.elementor-widget-post-info .elementor-icon-list-item:not(:last-child):after{border-color:var( --e-global-color-text );}.elementor-widget-post-info .elementor-icon-list-icon i{color:var( --e-global-color-primary );}.elementor-widget-post-info .elementor-icon-list-icon svg{fill:var( --e-global-color-primary );}.elementor-widget-post-info .elementor-icon-list-text, .elementor-widget-post-info .elementor-icon-list-text a{color:var( --e-global-color-secondary );}.elementor-widget-post-info .elementor-icon-list-item{font-family:var( --e-global-typography-text-font-family ), Sans-serif;font-size:var( --e-global-typography-text-font-size );font-weight:var( --e-global-typography-text-font-weight );line-height:var( --e-global-typography-text-line-height );letter-spacing:var( --e-global-typography-text-letter-spacing );word-spacing:var( --e-global-typography-text-word-spacing );}.elementor-15976 .elementor-element.elementor-element-747e9db .elementor-icon-list-icon{width:14px;}.elementor-15976 .elementor-element.elementor-element-747e9db .elementor-icon-list-icon i{font-size:14px;}.elementor-15976 .elementor-element.elementor-element-747e9db .elementor-icon-list-icon svg{--e-icon-list-icon-size:14px;}.elementor-15976 .elementor-element.elementor-element-5628e40{--display:flex;--min-height:0vh;--flex-direction:row;--container-widget-width:calc( ( 1 - var( --container-widget-flex-grow ) ) * 100% );--container-widget-height:100%;--container-widget-flex-grow:1;--container-widget-align-self:stretch;--flex-wrap-mobile:wrap;--justify-content:center;--align-items:center;--gap:0px 0px;--row-gap:0px;--column-gap:0px;--flex-wrap:wrap;--align-content:flex-start;--margin-top:0px;--margin-bottom:0px;--margin-left:0px;--margin-right:0px;--padding-top:0%;--padding-bottom:0%;--padding-left:0%;--padding-right:0%;}.elementor-15976 .elementor-element.elementor-element-5628e40.e-con{--align-self:center;--flex-grow:1;--flex-shrink:0;}.elementor-widget-theme-post-excerpt .elementor-widget-container{font-family:var( --e-global-typography-text-font-family ), Sans-serif;font-size:var( --e-global-typography-text-font-size );font-weight:var( --e-global-typography-text-font-weight );line-height:var( --e-global-typography-text-line-height );letter-spacing:var( --e-global-typography-text-letter-spacing );word-spacing:var( --e-global-typography-text-word-spacing );color:var( --e-global-color-text );}@media(max-width:1366px){.elementor-widget-theme-post-featured-image .widget-image-caption{font-size:var( --e-global-typography-text-font-size );line-height:var( --e-global-typography-text-line-height );letter-spacing:var( --e-global-typography-text-letter-spacing );word-spacing:var( --e-global-typography-text-word-spacing );}.elementor-widget-theme-post-title .elementor-heading-title{font-size:var( --e-global-typography-primary-font-size );line-height:var( --e-global-typography-primary-line-height );letter-spacing:var( --e-global-typography-primary-letter-spacing );word-spacing:var( --e-global-typography-primary-word-spacing );}.elementor-widget-post-info .elementor-icon-list-item{font-size:var( --e-global-typography-text-font-size );line-height:var( --e-global-typography-text-line-height );letter-spacing:var( --e-global-typography-text-letter-spacing );word-spacing:var( --e-global-typography-text-word-spacing );}.elementor-widget-theme-post-excerpt .elementor-widget-container{font-size:var( --e-global-typography-text-font-size );line-height:var( --e-global-typography-text-line-height );letter-spacing:var( --e-global-typography-text-letter-spacing );word-spacing:var( --e-global-typography-text-word-spacing );}}@media(max-width:1024px){.elementor-widget-theme-post-featured-image .widget-image-caption{font-size:var( --e-global-typography-text-font-size );line-height:var( --e-global-typography-text-line-height );letter-spacing:var( --e-global-typography-text-letter-spacing );word-spacing:var( --e-global-typography-text-word-spacing );}.elementor-15976 .elementor-element.elementor-element-5cdfee3{--min-height:12vh;}.elementor-widget-theme-post-title .elementor-heading-title{font-size:var( --e-global-typography-primary-font-size );line-height:var( --e-global-typography-primary-line-height );letter-spacing:var( --e-global-typography-primary-letter-spacing );word-spacing:var( --e-global-typography-primary-word-spacing );}.elementor-widget-post-info .elementor-icon-list-item{font-size:var( --e-global-typography-text-font-size );line-height:var( --e-global-typography-text-line-height );letter-spacing:var( --e-global-typography-text-letter-spacing );word-spacing:var( --e-global-typography-text-word-spacing );}.elementor-widget-theme-post-excerpt .elementor-widget-container{font-size:var( --e-global-typography-text-font-size );line-height:var( --e-global-typography-text-line-height );letter-spacing:var( --e-global-typography-text-letter-spacing );word-spacing:var( --e-global-typography-text-word-spacing );}}@media(max-width:767px){.elementor-widget-theme-post-featured-image .widget-image-caption{font-size:var( --e-global-typography-text-font-size );line-height:var( --e-global-typography-text-line-height );letter-spacing:var( --e-global-typography-text-letter-spacing );word-spacing:var( --e-global-typography-text-word-spacing );}.elementor-widget-theme-post-title .elementor-heading-title{font-size:var( --e-global-typography-primary-font-size );line-height:var( --e-global-typography-primary-line-height );letter-spacing:var( --e-global-typography-primary-letter-spacing );word-spacing:var( --e-global-typography-primary-word-spacing );}.elementor-15976 .elementor-element.elementor-element-913070a .elementor-heading-title{font-size:2rem;line-height:2.8rem;}.elementor-widget-post-info .elementor-icon-list-item{font-size:var( --e-global-typography-text-font-size );line-height:var( --e-global-typography-text-line-height );letter-spacing:var( --e-global-typography-text-letter-spacing );word-spacing:var( --e-global-typography-text-word-spacing );}.elementor-widget-theme-post-excerpt .elementor-widget-container{font-size:var( --e-global-typography-text-font-size );line-height:var( --e-global-typography-text-line-height );letter-spacing:var( --e-global-typography-text-letter-spacing );word-spacing:var( --e-global-typography-text-word-spacing );}}@media(min-width:2400px){.elementor-widget-theme-post-featured-image .widget-image-caption{font-size:var( --e-global-typography-text-font-size );line-height:var( --e-global-typography-text-line-height );letter-spacing:var( --e-global-typography-text-letter-spacing );word-spacing:var( --e-global-typography-text-word-spacing );}.elementor-widget-theme-post-title .elementor-heading-title{font-size:var( --e-global-typography-primary-font-size );line-height:var( --e-global-typography-primary-line-height );letter-spacing:var( --e-global-typography-primary-letter-spacing );word-spacing:var( --e-global-typography-primary-word-spacing );}.elementor-widget-post-info .elementor-icon-list-item{font-size:var( --e-global-typography-text-font-size );line-height:var( --e-global-typography-text-line-height );letter-spacing:var( --e-global-typography-text-letter-spacing );word-spacing:var( --e-global-typography-text-word-spacing );}.elementor-widget-theme-post-excerpt .elementor-widget-container{font-size:var( --e-global-typography-text-font-size );line-height:var( --e-global-typography-text-line-height );letter-spacing:var( --e-global-typography-text-letter-spacing );word-spacing:var( --e-global-typography-text-word-spacing );}}<\/style>\t\t<div data-elementor-type=\"loop-item\" data-elementor-id=\"15976\" class=\"elementor elementor-15976 e-loop-item e-loop-item-34716 post-34716 post type-post status-publish format-standard has-post-thumbnail hentry category-financial-services category-aml-ctf-compliance category-regulatory-compliance tag-aml-compliance tag-aml-ctf-obligations tag-aml-ctf-program tag-aml-ctf-tranche-2 tag-aml-ctf-tranche-2-reforms tag-aml-kyc tag-anti-money-laundering-act tag-austrac entry has-media\" data-elementor-post-type=\"elementor_library\" data-custom-edit-handle=\"1\">\n\t\t\t<div class=\"elementor-element elementor-element-711ace2 e-con-full e-flex e-con e-parent\" data-id=\"711ace2\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-01028a9 e-con-full e-flex e-con e-child\" data-id=\"01028a9\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-f46a4ac e-con-full e-flex e-con e-child\" data-id=\"f46a4ac\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-bf566fb elementor-widget__width-inherit elementor-widget elementor-widget-theme-post-featured-image elementor-widget-image\" data-id=\"bf566fb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"theme-post-featured-image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1500\" height=\"1000\" src=\"https:\/\/www.dbaadvisory.com\/wp-content\/uploads\/2026\/06\/AMLCTF-Obligations_Changes-1.webp\" class=\"attachment-full size-full wp-image-34776\" alt=\"in image of 2 limestone rock stacks that are part of the 12 Apostle&amp;apos;s symbolizing the structural changes and the AML\/CTF Obligations for Professional Services 2026\" srcset=\"https:\/\/www.dbaadvisory.com\/wp-content\/uploads\/2026\/06\/AMLCTF-Obligations_Changes-1.webp 1500w, https:\/\/www.dbaadvisory.com\/wp-content\/uploads\/2026\/06\/AMLCTF-Obligations_Changes-1-300x200.webp 300w, https:\/\/www.dbaadvisory.com\/wp-content\/uploads\/2026\/06\/AMLCTF-Obligations_Changes-1-1024x683.webp 1024w, https:\/\/www.dbaadvisory.com\/wp-content\/uploads\/2026\/06\/AMLCTF-Obligations_Changes-1-768x512.webp 768w, https:\/\/www.dbaadvisory.com\/wp-content\/uploads\/2026\/06\/AMLCTF-Obligations_Changes-1-18x12.webp 18w\" sizes=\"(max-width: 1500px) 100vw, 1500px\" title=\"\">\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5cdfee3 e-con-full e-flex e-con e-child\" data-id=\"5cdfee3\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-fffbccc e-con-full e-flex e-con e-child\" data-id=\"fffbccc\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-913070a elementor-widget__width-inherit elementor-widget elementor-widget-theme-post-title elementor-page-title elementor-widget-heading\" data-id=\"913070a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"theme-post-title.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\"><a href=\"https:\/\/www.dbaadvisory.com\/en\/aml-ctf-obligations-for-professional-services\/\">AML\/CTF Obligations for Professional Services<\/a><\/h5>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-954e3d9 e-con-full e-flex e-con e-child\" data-id=\"954e3d9\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-747e9db elementor-align-left elementor-widget elementor-widget-post-info\" data-id=\"747e9db\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"post-info.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-inline-items elementor-icon-list-items elementor-post-info\">\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-repeater-item-ddee01c elementor-inline-item\" itemprop=\"datePublished\">\n\t\t\t\t\t\t<a href=\"https:\/\/www.dbaadvisory.com\/en\/2026\/02\/13\/\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-calendar\"><\/i>\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text elementor-post-info__item elementor-post-info__item--type-date\">\n\t\t\t\t\t\t\t\t\t\t<time>February 13, 2026<\/time>\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t<\/li>\n\t\t\t\t<li class=\"elementor-icon-list-item elementor-repeater-item-545ea6d elementor-inline-item\">\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-book-open\"><\/i>\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text elementor-post-info__item elementor-post-info__item--type-custom\">\n\t\t\t\t\t\t\t\t\t\t10 - 12 min read\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5628e40 e-con-full e-flex e-con e-child\" data-id=\"5628e40\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d5f5e36 elementor-widget elementor-widget-theme-post-excerpt\" data-id=\"d5f5e36\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"theme-post-excerpt.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\tDiscover how DBA Advisory designs resilient Australian AML compliance systems to ensure zero-error alignment.\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div data-elementor-type=\"loop-item\" data-elementor-id=\"15976\" class=\"elementor elementor-15976 e-loop-item e-loop-item-34693 post-34693 post type-post status-publish format-standard has-post-thumbnail hentry category-financial-services category-aml-ctf-compliance category-regulatory-compliance tag-aml-compliance tag-aml-ctf-obligations tag-aml-ctf-program tag-aml-ctf-tranche-2 tag-aml-ctf-tranche-2-reforms tag-aml-kyc tag-anti-money-laundering-act tag-austrac entry has-media\" data-elementor-post-type=\"elementor_library\" data-custom-edit-handle=\"1\">\n\t\t\t<div class=\"elementor-element elementor-element-711ace2 e-con-full e-flex e-con e-parent\" data-id=\"711ace2\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-01028a9 e-con-full e-flex e-con e-child\" data-id=\"01028a9\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-f46a4ac e-con-full e-flex e-con e-child\" data-id=\"f46a4ac\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-bf566fb elementor-widget__width-inherit elementor-widget elementor-widget-theme-post-featured-image elementor-widget-image\" data-id=\"bf566fb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"theme-post-featured-image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1500\" height=\"1000\" src=\"https:\/\/www.dbaadvisory.com\/wp-content\/uploads\/2026\/06\/AMLCTF-Tranche-2_Hero-2-1.webp\" class=\"attachment-full size-full wp-image-34774\" alt=\"an image of the Crawley Edge boatshed in Perth to symbolize the significance of the AML\/CTF Tranche 2 in Australia\" srcset=\"https:\/\/www.dbaadvisory.com\/wp-content\/uploads\/2026\/06\/AMLCTF-Tranche-2_Hero-2-1.webp 1500w, https:\/\/www.dbaadvisory.com\/wp-content\/uploads\/2026\/06\/AMLCTF-Tranche-2_Hero-2-1-300x200.webp 300w, https:\/\/www.dbaadvisory.com\/wp-content\/uploads\/2026\/06\/AMLCTF-Tranche-2_Hero-2-1-1024x683.webp 1024w, https:\/\/www.dbaadvisory.com\/wp-content\/uploads\/2026\/06\/AMLCTF-Tranche-2_Hero-2-1-768x512.webp 768w, https:\/\/www.dbaadvisory.com\/wp-content\/uploads\/2026\/06\/AMLCTF-Tranche-2_Hero-2-1-18x12.webp 18w\" sizes=\"(max-width: 1500px) 100vw, 1500px\" title=\"\">\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5cdfee3 e-con-full e-flex e-con e-child\" data-id=\"5cdfee3\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-fffbccc e-con-full e-flex e-con e-child\" data-id=\"fffbccc\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-913070a elementor-widget__width-inherit elementor-widget elementor-widget-theme-post-title elementor-page-title elementor-widget-heading\" data-id=\"913070a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"theme-post-title.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\"><a href=\"https:\/\/www.dbaadvisory.com\/en\/aml-ctf-tranche-2-australia\/\">AML\/CTF Tranche 2 in Australia<\/a><\/h5>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-954e3d9 e-con-full e-flex e-con e-child\" data-id=\"954e3d9\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-747e9db elementor-align-left elementor-widget elementor-widget-post-info\" data-id=\"747e9db\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"post-info.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-inline-items elementor-icon-list-items elementor-post-info\">\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-repeater-item-ddee01c elementor-inline-item\" itemprop=\"datePublished\">\n\t\t\t\t\t\t<a href=\"https:\/\/www.dbaadvisory.com\/en\/2026\/02\/08\/\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-calendar\"><\/i>\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text elementor-post-info__item elementor-post-info__item--type-date\">\n\t\t\t\t\t\t\t\t\t\t<time>February 8, 2026<\/time>\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t<\/li>\n\t\t\t\t<li class=\"elementor-icon-list-item elementor-repeater-item-545ea6d elementor-inline-item\">\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-book-open\"><\/i>\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text elementor-post-info__item elementor-post-info__item--type-custom\">\n\t\t\t\t\t\t\t\t\t\t10 - 12 min read\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5628e40 e-con-full e-flex e-con e-child\" data-id=\"5628e40\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d5f5e36 elementor-widget elementor-widget-theme-post-excerpt\" data-id=\"d5f5e36\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"theme-post-excerpt.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\tDiscover how DBA Advisory designs resilient Australian AML compliance systems to ensure zero-error alignment.\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div data-elementor-type=\"loop-item\" data-elementor-id=\"15976\" class=\"elementor elementor-15976 e-loop-item e-loop-item-23478 post-23478 post type-post status-publish format-standard has-post-thumbnail hentry category-financial-services category-aml-ctf-compliance category-regulatory-compliance tag-aml-compliance tag-aml-ctf-obligations tag-aml-ctf-program tag-aml-ctf-tranche-2 tag-aml-ctf-tranche-2-reforms tag-aml-kyc tag-anti-money-laundering-act tag-austrac entry has-media\" data-elementor-post-type=\"elementor_library\" data-custom-edit-handle=\"1\">\n\t\t\t<div class=\"elementor-element elementor-element-711ace2 e-con-full e-flex e-con e-parent\" data-id=\"711ace2\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-01028a9 e-con-full e-flex e-con e-child\" data-id=\"01028a9\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-f46a4ac e-con-full e-flex e-con e-child\" data-id=\"f46a4ac\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-bf566fb elementor-widget__width-inherit elementor-widget elementor-widget-theme-post-featured-image elementor-widget-image\" data-id=\"bf566fb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"theme-post-featured-image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1500\" height=\"1000\" src=\"https:\/\/www.dbaadvisory.com\/wp-content\/uploads\/2026\/05\/Australian-AML-Compliance_Hero-1-2.webp\" class=\"attachment-full size-full wp-image-34643\" alt=\"an image of a blue door with a lion head door knocker to symbolize AML\/CTF compliance in Australia\" srcset=\"https:\/\/www.dbaadvisory.com\/wp-content\/uploads\/2026\/05\/Australian-AML-Compliance_Hero-1-2.webp 1500w, https:\/\/www.dbaadvisory.com\/wp-content\/uploads\/2026\/05\/Australian-AML-Compliance_Hero-1-2-300x200.webp 300w, https:\/\/www.dbaadvisory.com\/wp-content\/uploads\/2026\/05\/Australian-AML-Compliance_Hero-1-2-1024x683.webp 1024w, https:\/\/www.dbaadvisory.com\/wp-content\/uploads\/2026\/05\/Australian-AML-Compliance_Hero-1-2-768x512.webp 768w, https:\/\/www.dbaadvisory.com\/wp-content\/uploads\/2026\/05\/Australian-AML-Compliance_Hero-1-2-18x12.webp 18w\" sizes=\"(max-width: 1500px) 100vw, 1500px\" title=\"\">\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5cdfee3 e-con-full e-flex e-con e-child\" data-id=\"5cdfee3\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-fffbccc e-con-full e-flex e-con e-child\" data-id=\"fffbccc\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-913070a elementor-widget__width-inherit elementor-widget elementor-widget-theme-post-title elementor-page-title elementor-widget-heading\" data-id=\"913070a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"theme-post-title.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\"><a href=\"https:\/\/www.dbaadvisory.com\/en\/aml-ctf-compliance-australia\/\">AML\/CTF Compliance in Australia<\/a><\/h5>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-954e3d9 e-con-full e-flex e-con e-child\" data-id=\"954e3d9\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-747e9db elementor-align-left elementor-widget elementor-widget-post-info\" data-id=\"747e9db\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"post-info.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-inline-items elementor-icon-list-items elementor-post-info\">\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-repeater-item-ddee01c elementor-inline-item\" itemprop=\"datePublished\">\n\t\t\t\t\t\t<a href=\"https:\/\/www.dbaadvisory.com\/en\/2026\/01\/27\/\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-calendar\"><\/i>\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text elementor-post-info__item elementor-post-info__item--type-date\">\n\t\t\t\t\t\t\t\t\t\t<time>January 27, 2026<\/time>\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t<\/li>\n\t\t\t\t<li class=\"elementor-icon-list-item elementor-repeater-item-545ea6d elementor-inline-item\">\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-book-open\"><\/i>\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text elementor-post-info__item elementor-post-info__item--type-custom\">\n\t\t\t\t\t\t\t\t\t\t10 - 12 min read\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5628e40 e-con-full e-flex e-con e-child\" data-id=\"5628e40\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d5f5e36 elementor-widget elementor-widget-theme-post-excerpt\" data-id=\"d5f5e36\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"theme-post-excerpt.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\tDiscover how DBA Advisory designs resilient Australian AML compliance systems to ensure zero-error alignment.\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-d0708d1 e-con-full e-flex e-con e-parent\" data-id=\"d0708d1\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;video&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-907e9f0 e-con-full e-flex e-con e-child\" data-id=\"907e9f0\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d02f409 elementor-widget__width-inherit elementor-widget elementor-widget-heading\" data-id=\"d02f409\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h6 class=\"elementor-heading-title elementor-size-default\">What to Expect Next<\/h6>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-465e40e e-con-full e-flex e-con e-child\" data-id=\"465e40e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0793001 elementor-widget__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"0793001\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p data-pm-slice=\"1 1 [&quot;bullet_list&quot;,{},&quot;list_item&quot;,{}]\">We build the resilient operational foundations<\/p><p data-pm-slice=\"1 1 [&quot;bullet_list&quot;,{},&quot;list_item&quot;,{}]\"><strong>empowering you to<\/strong><\/p><p data-pm-slice=\"1 1 [&quot;bullet_list&quot;,{},&quot;list_item&quot;,{}]\">scale your business with absolute certainty<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-0925ff8 e-con-full e-flex elementor-invisible e-con e-child\" data-id=\"0925ff8\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;fadeInUp&quot;,&quot;animation_delay&quot;:500}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8475521 ekit-equal-height-enable elementor-widget elementor-widget-elementskit-icon-box\" data-id=\"8475521\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"elementskit-icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" >        <!-- link opening -->\n                <a href=\"https:\/\/www.dbaadvisory.com\/contact-us-v2\/\" class=\"ekit_global_links\">\n                <!-- end link opening -->\n\n        <div class=\"elementskit-infobox text-left text-right icon-lef-right-aligin elementor-animation- elementskit-icon-right gradient-active image-active hover_from_left\">\n                    <div class=\"elementskit-box-header elementor-animation-rotate\">\n                <div class=\"elementskit-info-box-icon  text-center\">\n                    <i aria-hidden=\"true\" class=\"elementkit-infobox-icon fas fa-arrow-right\"><\/i>\n                <\/div>\n          <\/div>\n                        <div class=\"box-body\">\n                            <h6 class=\"elementskit-info-box-title\">\n                    Book a Consultation Today                <\/h6>\n                                            <\/div>\n        \n                    <figure class=\"image-hover\"><img decoding=\"async\" src=\"https:\/\/www.dbaadvisory.com\/wp-content\/plugins\/elementor\/assets\/images\/placeholder.png\" title=\"\" alt=\"\" class=\"\"><\/figure>        \n                <\/div>\n                <\/a>\n        <\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7dd9c83 e-con-full e-flex e-con e-parent\" data-id=\"7dd9c83\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;video&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-30f1395 e-con-full e-flex e-con e-child\" data-id=\"30f1395\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-8627979 e-con-full e-flex e-con e-child\" data-id=\"8627979\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-48371a2 e-con-full e-flex elementor-invisible e-con e-child\" data-id=\"48371a2\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;fadeInUp&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-948a335 elementor-widget__width-inherit elementor-widget elementor-widget-heading\" data-id=\"948a335\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">Get in touch<\/h5>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3eea4dd e-con-full e-flex e-con e-child\" data-id=\"3eea4dd\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-c5cc85f e-flex e-con-boxed elementor-invisible e-con e-child\" data-id=\"c5cc85f\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;fadeInUp&quot;,&quot;animation_delay&quot;:500}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-e1b9b04 e-con-full e-flex elementor-invisible e-con e-child\" data-id=\"e1b9b04\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;fadeInUp&quot;,&quot;animation_delay&quot;:500}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4d5258a elementor-widget elementor-widget-image\" data-id=\"4d5258a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/www.dbaadvisory.com\/wp-content\/uploads\/elementor\/thumbs\/Untitled-22-rn3eoer3qqmvxqn8wz2whwg7i3d4s7e9p8rj5b7v3k.webp\" title=\"Untitled-22\" alt=\"Untitled-22\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-8d98fc4 e-con-full e-flex elementor-invisible e-con e-child\" data-id=\"8d98fc4\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;fadeInUp&quot;,&quot;animation_delay&quot;:500}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7dee598 elementor-widget__width-inherit elementor-widget elementor-widget-icon-box\" data-id=\"7dee598\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h6 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tAlquin Dagamina\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h6>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tManager Business Transformation and  Technology Services Division\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-97174aa elementor-align-start elementor-widget__width-inherit elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"97174aa\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg class=\"ekit-svg-icon icon-envelope1\" viewBox=\"0 0 32 32\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M28 9.6h-25.6c-1.323 0-2.4 1.077-2.4 2.4v14.4c0 1.323 1.077 2.4 2.4 2.4h25.6c1.323 0 2.4-1.077 2.4-2.4v-14.4c0-1.323-1.077-2.4-2.4-2.4zM28 11.2c0.047 0 0.093 0.005 0.139 0.013l-12.051 8.034c-0.464 0.31-1.311 0.31-1.775 0l-12.051-8.034c0.045-0.008 0.091-0.013 0.139-0.013h25.6zM28 27.2h-25.6c-0.441 0-0.8-0.359-0.8-0.8v-13.705l11.825 7.883c0.498 0.332 1.136 0.498 1.775 0.498s1.277-0.166 1.775-0.498l11.825-7.883v13.705c0 0.441-0.359 0.8-0.8 0.8z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Alquin.Dagamina@dbaadvisory.com<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg class=\"ekit-svg-icon icon-phone-handset\" viewBox=\"0 0 32 32\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M25.6 32c-2.834 0-5.849-0.803-8.96-2.387-2.869-1.46-5.703-3.552-8.196-6.048s-4.581-5.332-6.040-8.203c-1.581-3.113-2.383-6.128-2.383-8.962 0-1.837 1.711-3.611 2.447-4.288 1.058-0.974 2.722-2.111 3.931-2.111 0.601 0 1.306 0.393 2.219 1.238 0.681 0.63 1.446 1.485 2.213 2.471 0.462 0.594 2.768 3.633 2.768 5.091 0 1.196-1.352 2.027-2.782 2.906-0.553 0.34-1.125 0.691-1.538 1.023-0.441 0.354-0.52 0.54-0.533 0.582 1.519 3.785 6.161 8.427 9.944 9.943 0.034-0.011 0.221-0.084 0.581-0.534 0.331-0.414 0.683-0.985 1.023-1.538 0.88-1.431 1.71-2.782 2.906-2.782 1.458 0 4.497 2.306 5.091 2.768 0.986 0.767 1.841 1.532 2.471 2.213 0.845 0.912 1.238 1.617 1.238 2.218 0 1.209-1.137 2.879-2.11 3.941-0.678 0.739-2.453 2.459-4.29 2.459zM6.39 1.6c-0.429 0.008-1.582 0.533-2.837 1.688-1.191 1.097-1.931 2.289-1.931 3.112 0 10.766 13.222 24 23.978 24 0.821 0 2.013-0.744 3.11-1.941 1.156-1.261 1.681-2.419 1.69-2.849-0.052-0.304-0.893-1.486-3.195-3.259-1.979-1.524-3.584-2.34-3.997-2.351-0.029 0.009-0.208 0.077-0.571 0.538-0.316 0.401-0.654 0.951-0.98 1.482-0.896 1.458-1.743 2.836-2.973 2.836-0.198 0-0.394-0.038-0.581-0.113-4.199-1.68-9.166-6.646-10.846-10.846-0.202-0.504-0.234-1.294 0.758-2.193 0.528-0.478 1.258-0.927 1.964-1.361 0.531-0.327 1.081-0.664 1.482-0.98 0.461-0.363 0.53-0.542 0.538-0.571-0.011-0.413-0.827-2.018-2.351-3.997-1.772-2.302-2.955-3.143-3.259-3.195z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">09158918379<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-23f9478 e-grid-align-left elementor-widget__width-inherit elementor-shape-rounded elementor-grid-0 elementor-widget elementor-widget-social-icons\" data-id=\"23f9478\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"social-icons.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-social-icons-wrapper elementor-grid\">\n\t\t\t\t\t\t\t<span class=\"elementor-grid-item\">\n\t\t\t\t\t<a class=\"elementor-icon elementor-social-icon elementor-social-icon-linkedin-in elementor-repeater-item-5c784ac\" href=\"https:\/\/www.linkedin.com\/in\/alquin-dagamina-547517112\" target=\"_blank\" rel=\"noopener\">\n\t\t\t\t\t\t<span class=\"elementor-screen-only\">Linkedin-in<\/span>\n\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fab fa-linkedin-in\"><\/i>\t\t\t\t\t<\/a>\n\t\t\t\t<\/span>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3425703 e-con-full e-flex elementor-invisible e-con e-child\" data-id=\"3425703\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;fadeInUp&quot;,&quot;animation_delay&quot;:500}\">\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Discover how DBA Advisory designs resilient Australian AML compliance systems to ensure zero-error alignment.<\/p>","protected":false},"author":5,"featured_media":34776,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[349,339,350],"tags":[340,344,346,347,348,341,342,343],"class_list":["post-34716","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-financial-services","category-aml-ctf-compliance","category-regulatory-compliance","tag-aml-compliance","tag-aml-ctf-obligations","tag-aml-ctf-program","tag-aml-ctf-tranche-2","tag-aml-ctf-tranche-2-reforms","tag-aml-kyc","tag-anti-money-laundering-act","tag-austrac","entry","has-media"],"_links":{"self":[{"href":"https:\/\/www.dbaadvisory.com\/en\/wp-json\/wp\/v2\/posts\/34716","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.dbaadvisory.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.dbaadvisory.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.dbaadvisory.com\/en\/wp-json\/wp\/v2\/users\/5"}],"replies":[{"embeddable":true,"href":"https:\/\/www.dbaadvisory.com\/en\/wp-json\/wp\/v2\/comments?post=34716"}],"version-history":[{"count":25,"href":"https:\/\/www.dbaadvisory.com\/en\/wp-json\/wp\/v2\/posts\/34716\/revisions"}],"predecessor-version":[{"id":34812,"href":"https:\/\/www.dbaadvisory.com\/en\/wp-json\/wp\/v2\/posts\/34716\/revisions\/34812"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.dbaadvisory.com\/en\/wp-json\/wp\/v2\/media\/34776"}],"wp:attachment":[{"href":"https:\/\/www.dbaadvisory.com\/en\/wp-json\/wp\/v2\/media?parent=34716"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.dbaadvisory.com\/en\/wp-json\/wp\/v2\/categories?post=34716"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.dbaadvisory.com\/en\/wp-json\/wp\/v2\/tags?post=34716"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}