{"id":34978,"date":"2026-06-17T17:48:33","date_gmt":"2026-06-17T07:48:33","guid":{"rendered":"https:\/\/www.dbaadvisory.com\/?p=34978"},"modified":"2026-06-17T17:51:12","modified_gmt":"2026-06-17T07:51:12","slug":"aml-ctf-penalties-australia","status":"publish","type":"post","link":"https:\/\/www.dbaadvisory.com\/en\/aml-ctf-penalties-australia\/","title":{"rendered":"AML\/CTF Penalties in Australia"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"34978\" class=\"elementor elementor-34978\" 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 Penalties in Australia<\/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\/06\/17\/\">\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>June 17, 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>5:48 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\t5-6 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 penalties in Australia can reach up to $3.3 million per contravention and AUSTRAC is signalling proactive supervision from day one. Professional services firms have a narrow window to build defensible programs before 1 July 2026. DBA Advisory sets out the penalty framework, the minimum action timeline, and what genuine operationalised compliance looks like.<\/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 non-compliance actually costs your firm<\/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><strong>AML\/CTF compliance failures in Australia are expensive. AUSTRAC&#8217;s civil penalty actions against Westpac ($1.3 billion, 2020) and the Commonwealth Bank ($700 million, 2018) established that non-compliance carries consequences at the highest levels of Australian business. For accounting firms and law practices, the direct penalty figures are smaller than those applied to major banks \u2014 the enforcement framework is identical.<\/strong><\/p><p>For smaller, newly regulated professional services firms, the scale of penalties is different \u2014 but the framework is unambiguous under the reformed Act:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-dc22742 e-con-full e-flex e-con e-child\" data-id=\"dc22742\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2274e11 elementor-widget elementor-widget-counter\" data-id=\"2274e11\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"counter.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-counter\">\n\t\t\t<h6 class=\"elementor-counter-title\">maximum civil penalty per contravention for body corporates (10,000 penalty units at current rate)<\/h6>\t\t\t<div class=\"elementor-counter-number-wrapper\">\n\t\t\t\t<span class=\"elementor-counter-number-prefix\">$<\/span>\n\t\t\t\t<span class=\"elementor-counter-number\" data-duration=\"2000\" data-to-value=\"3.3\" data-from-value=\"0\">0<\/span>\n\t\t\t\t<span class=\"elementor-counter-number-suffix\">B<\/span>\n\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-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<ul><li><strong>Civil penalties<\/strong> of up to 10,000 penalty units (~$3.3 million) per contravention for body corporates<\/li><li><strong>Criminal penalties<\/strong> for serious and deliberate non-compliance<\/li><li><strong>Enforceable undertakings<\/strong> requiring remediation programs at the entity&#8217;s cost, on AUSTRAC&#8217;s schedule<\/li><li><strong>Public naming<\/strong> and reputational consequences in enforcement outcomes<\/li><\/ul>\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-581f6fd e-con-full e-flex e-con e-child\" data-id=\"581f6fd\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b9ae631 elementor-blockquote--skin-boxed elementor-blockquote--button-view-icon-text elementor-blockquote--button-skin-classic elementor-widget elementor-widget-blockquote\" data-id=\"b9ae631\" 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\t Firms that fail to build a compliant program from day one create a documented compliance deficit that compounds over time. When AUSTRAC identifies this deficit through its supervisory process, the cost of mandated remediation \u2014 conducted on AUSTRAC's timeline, at the firm's expense \u2014 is almost always greater than the cost of building the program correctly in the first place.\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=+Firms+that+fail+to+build+a+compliant+program+from+day+one+create+a+documented+compliance+deficit+that+compounds+over+time.+When+AUSTRAC+identifies+this+deficit+through+its+supervisory+process%2C+the+cost+of+mandated+remediation+%E2%80%94+conducted+on+AUSTRAC%27s+timeline%2C+at+the+firm%27s+expense+%E2%80%94+is+almost+always+greater+than+the+cost+of+building+the+program+correctly+in+the+first+place.&amp;url=https%3A%2F%2Fwww.dbaadvisory.com%2Faml-ctf-penalties-australia%2F&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-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-c957f27 e-con-full e-flex e-con e-child\" data-id=\"c957f27\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1588138 elementor-blockquote--skin-boxed elementor-blockquote--button-view-icon-text elementor-blockquote--button-skin-classic elementor-widget elementor-widget-blockquote\" data-id=\"1588138\" 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 most common enforcement outcome for non-serious breaches is an enforceable undertaking \u2014 a mandatory remediation program conducted on AUSTRAC's timeline, at the firm's cost. For most newly regulated professional services firms, this represents a more significant business disruption than the direct financial penalty.\n\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=The+most+common+enforcement+outcome+for+non-serious+breaches+is+an+enforceable+undertaking+%E2%80%94+a+mandatory+remediation+program+conducted+on+AUSTRAC%27s+timeline%2C+at+the+firm%27s+cost.+For+most+newly+regulated+professional+services+firms%2C+this+represents+a+more+significant+business+disruption+than+the+direct+financial+penalty.%0A&amp;url=https%3A%2F%2Fwww.dbaadvisory.com%2Faml-ctf-penalties-australia%2F&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-c9d1b56 e-con-full e-flex e-con e-child\" data-id=\"c9d1b56\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5677d5f elementor-widget elementor-widget-heading\" data-id=\"5677d5f\" 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 non-compliance actually costs your firm<\/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-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>Building a defensible, operationally embedded AML\/CTF program takes longer than most newly regulated firms currently anticipate. The following is the minimum action sequence necessary to meet the 1 July 2026 deadline:<\/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-9afb46b e-con-full e-flex e-con e-child\" data-id=\"9afb46b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b1a541a elementor-widget__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"b1a541a\" 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=\"173\"><p><strong>Timeframe<\/strong><\/p><\/td><td width=\"451\"><p><strong>Action<\/strong><\/p><\/td><\/tr><\/thead><tbody><tr><td width=\"173\"><p><strong>Immediately<\/strong><\/p><\/td><td width=\"451\"><p>Map your firm&#8217;s service activities against the designated services list \u2014 confirm reporting entity status<\/p><\/td><\/tr><tr><td width=\"173\"><p><strong>Within 30 days<\/strong><\/p><\/td><td width=\"451\"><p>Conduct an internal ML\/TF risk assessment across your client base and service lines<\/p><\/td><\/tr><tr><td width=\"173\"><p><strong>Within 60 days<\/strong><\/p><\/td><td width=\"451\"><p>Register with AUSTRAC via AUSTRAC Online<\/p><\/td><\/tr><tr><td width=\"173\"><p><strong>Within 90 days<\/strong><\/p><\/td><td width=\"451\"><p>Draft, adopt, and operationalise your AML\/CTF program<\/p><\/td><\/tr><tr><td width=\"173\"><p><strong>Within 90 days<\/strong><\/p><\/td><td width=\"451\"><p>Complete staff awareness training<\/p><\/td><\/tr><tr><td width=\"173\"><p><strong>Before 1 July 2026<\/strong><\/p><\/td><td width=\"451\"><p>Implement KYC and CDD procedures for all new clients<\/p><\/td><\/tr><tr><td width=\"173\"><p><strong>Within 12 months post-commencement<\/strong><\/p><\/td><td width=\"451\"><p>Complete a CDD refresh for your existing high-risk client base<\/p><\/td><\/tr><tr><td width=\"173\"><p><strong>Ongoing<\/strong><\/p><\/td><td width=\"451\"><p>Monitor transactions, refresh CDD, and lodge SMRs as required<\/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-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\tA program that exists as a document but is not embedded in how your firm actually onboards clients, monitors transactions, and escalates concerns will not satisfy an AUSTRAC review. The standard is evidence of practice \u2014 not evidence of paperwork.\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\">The key word is \"operationalised.\"<\/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=A+program+that+exists+as+a+document+but+is+not+embedded+in+how+your+firm+actually+onboards+clients%2C+monitors+transactions%2C+and+escalates+concerns+will+not+satisfy+an+AUSTRAC+review.+The+standard+is+evidence+of+practice+%E2%80%94+not+evidence+of+paperwork.+%E2%80%94+The+key+word+is+%22operationalised.%22&amp;url=https%3A%2F%2Fwww.dbaadvisory.com%2Faml-ctf-penalties-australia%2F&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-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\">What genuine compliance looks like<\/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>Genuine <strong>AML\/CTF compliance<\/strong> in Australia has three markers that distinguish it from documentation compliance:<\/p><ol><li><strong>It is documented and accessible. <\/strong>Your AML\/CTF program is written, version-controlled, and understood by the people responsible for implementing it \u2014 not filed and forgotten.<\/li><li><strong>It is operationalised. <\/strong>KYC procedures happen at every client onboarding. CDD refresh is scheduled and tracked. Suspicious matters are escalated through a defined internal channel, with decisions documented regardless of outcome.<\/li><li><strong>It leaves a trail. <\/strong>Training logs exist. CDD file notes exist. SMR decisions \u2014 made or declined \u2014 are documented with reasoning. When AUSTRAC asks, you can show your work.<\/li><\/ol><p>The firms that treat compliance as a floor \u2014 the minimum required to avoid a penalty \u2014 will build programs defensible on paper but fragile in practice. The firms that treat it as a standard will build something that actually protects their business, their clients, and the integrity of their professional relationships.<\/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-c18a73e e-con-full e-flex e-con e-child\" data-id=\"c18a73e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f161eb6 elementor-blockquote--skin-boxed elementor-blockquote--button-view-icon-text elementor-blockquote--button-skin-classic elementor-widget elementor-widget-blockquote\" data-id=\"f161eb6\" 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\tGenuine AML\/CTF compliance is not just about avoiding AUSTRAC penalties \u2014 it is about whether your firm can honestly say it knows who its clients are, where their money comes from, and what its services are being used for. That is the standard that withstands scrutiny, builds lasting client trust, and represents what the reforms were designed to achieve.\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\">The integrity standard<\/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=Genuine+AML%2FCTF+compliance+is+not+just+about+avoiding+AUSTRAC+penalties+%E2%80%94+it+is+about+whether+your+firm+can+honestly+say+it+knows+who+its+clients+are%2C+where+their+money+comes+from%2C+and+what+its+services+are+being+used+for.+That+is+the+standard+that+withstands+scrutiny%2C+builds+lasting+client+trust%2C+and+represents+what+the+reforms+were+designed+to+achieve.+%E2%80%94+The+integrity+standard&amp;url=https%3A%2F%2Fwww.dbaadvisory.com%2Faml-ctf-penalties-australia%2F&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-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\">Build it before you need it<\/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>Australia&#8217;s AML\/CTF reforms represent the end of a long period of regulatory exceptionalism for professional services. For two decades, lawyers, accountants, and real estate agents operated without the obligations that equivalent firms in the UK, Europe, Canada, and Singapore have carried for years. That gap was not a mark of sophistication \u2014 it was a structural vulnerability.<\/p><p>The 1 July 2026 deadline marks the formal close of that era. These obligations are permanent. The question is not whether your business needs to comply \u2014 for most professional services firms, it does. The question is whether your program will be ready, and whether it will hold up when it is tested.<\/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\tThat is the standard that withstands scrutiny \u2014 and the standard that protects everything your firm has built.\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\">Build it before you need it. <\/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=That+is+the+standard+that+withstands+scrutiny+%E2%80%94+and+the+standard+that+protects+everything+your+firm+has+built.+%E2%80%94+Build+it+before+you+need+it.+&amp;url=https%3A%2F%2Fwww.dbaadvisory.com%2Faml-ctf-penalties-australia%2F&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 penalties apply for AML\/CTF compliance failures in Australia after 1 July 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>Under the reformed AML\/CTF Act, civil penalties for body corporates reach 10,000 penalty units per contravention \u2014 currently approximately $3.3 million per contravention. Criminal penalties apply to serious and deliberate non-compliance. AUSTRAC can also impose enforceable undertakings requiring remediation programs at the entity's cost and on AUSTRAC's timeline. Public naming in enforcement outcomes is an additional consequence. Legal practitioners familiar with AUSTRAC proceedings have noted that mandatory remediation programs typically cause greater business disruption than direct financial penalties.<\/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\">How long does it take to build an AML\/CTF compliance program?<\/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>DBA Advisory's experience with newly regulated entities indicates that building a defensible, operationally embedded AML\/CTF program \u2014 including AUSTRAC registration, ML\/TF risk assessment, program drafting, KYC procedure design, beneficial ownership frameworks, and staff training \u2014 typically requires 60 to 90 days of focused work. Firms that begin after 30 April 2026 risk not completing program implementation before the 1 July 2026 commencement date. The risk assessment phase alone \u2014 on which the program's risk calibration depends \u2014 takes two to four weeks for most professional services firms.<\/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 does 'operationalised' mean for an AML\/CTF program?<\/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>An operationalised AML\/CTF program is one that is embedded in how the firm actually works \u2014 not one that exists as a document. Operationalisation means: KYC procedures happen at every new client onboarding; CDD refresh is scheduled and tracked for existing clients; suspicious matter escalation follows a defined internal protocol; staff have been trained and can demonstrate awareness; and decisions are documented. AUSTRAC's supervisory reviews look for evidence of practice \u2014 transaction records, training logs, CDD file notes, documented SMR decisions \u2014 not just the existence of a policy document.<\/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\">Can my firm get an extension or grace period from AUSTRAC after 1 July 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_item4-content\" class=\"uc_content\" role=\"region\" aria-labelledby=\"uc_uc_icon_accordion_elementor_4197858_item4-title\" >\n          <p>AUSTRAC has not announced any grace period for newly regulated entities, and its published guidance indicates an expectation of compliant, operationalised programs from the commencement date of 1 July 2026. AUSTRAC has made clear it will supervise newly regulated entities proactively \u2014 not reactively \u2014 from the first day of commencement. Firms should not assume that registration alone, or a program in draft form, will satisfy AUSTRAC's supervisory expectations in the period immediately after 1 July 2026.<\/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\">What is a compliance readiness review and do I need one?<\/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>A compliance readiness review is a structured assessment of a firm's current position against its AML\/CTF obligations \u2014 typically covering designated services confirmation, ML\/TF risk profile, existing KYC practices, client base risk stratification, and the gap between current state and required program elements. DBA Advisory's Compliance Readiness Review is designed specifically for professional services firms facing Tranche 2 obligations for the first time. It is delivered on a fixed-fee basis and produces a written remediation plan with prioritised actions and timelines. Most firms benefit from completing a readiness review before beginning program drafting, as the risk assessment findings directly shape the program's content.<\/p>\n     \n    \n     \n    \n  <\/div>\n<\/div>\n\n  <\/div>\n<\/div>\n\n\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\" 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.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-34978 post-34978 post type-post status-publish format-standard has-post-thumbnail hentry category-financial-governance category-aml-ctf-compliance category-regulatory-compliance tag-aml-compliance tag-aml-compliance-readiness tag-aml-compliance-timeline tag-aml-ctf-compliance tag-aml-program tag-aml-ctf-penalties tag-austrac-deadline tag-austrac-grace-period 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-penalties-australia\/\">AML\/CTF Penalties 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\/06\/17\/\">\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>June 17, 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<\/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\tAML\/CTF obligations for professional services in 2026: 8 structural changes and 6 mandatory requirements every firm must implement.\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-34716 post-34716 post type-post status-publish format-standard has-post-thumbnail hentry category-financial-governance 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<\/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\tAML\/CTF obligations for professional services in 2026: 8 structural changes and 6 mandatory requirements every firm must implement.\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-governance 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<\/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\tAML\/CTF Tranche 2 Australia: who is captured, why it happened, and what every accountant, lawyer and real estate agent must do.\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-governance 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<\/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\tAML\/CTF compliance in Australia now covers accountants, lawyers and real estate agents from 1 July 2026. Here's what every firm must do.\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-bc6c30a e-con-full e-flex e-con e-parent\" data-id=\"bc6c30a\" 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-178da81 e-con-full e-flex e-con e-child\" data-id=\"178da81\" 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-95140e8 e-con-full e-flex e-con e-child\" data-id=\"95140e8\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7017a1a elementor-headline--style-highlight elementor-widget elementor-widget-animated-headline\" data-id=\"7017a1a\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;marker&quot;:&quot;double_underline&quot;,&quot;highlighted_text&quot;:&quot;empowering you&quot;,&quot;headline_style&quot;:&quot;highlight&quot;,&quot;loop&quot;:&quot;yes&quot;,&quot;highlight_animation_duration&quot;:1200,&quot;highlight_iteration_delay&quot;:8000}\" data-widget_type=\"animated-headline.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<h5 class=\"elementor-headline\">\n\t\t\t\t\t<span class=\"elementor-headline-plain-text elementor-headline-text-wrapper\">We build the resilient foundations<br><\/span>\n\t\t\t\t<span class=\"elementor-headline-dynamic-wrapper elementor-headline-text-wrapper\">\n\t\t\t\t\t<span class=\"elementor-headline-dynamic-text elementor-headline-text-active\">empowering you<\/span>\n\t\t\t\t<\/span>\n\t\t\t\t\t<span class=\"elementor-headline-plain-text elementor-headline-text-wrapper\">to scale your business<\/span>\n\t\t\t\t\t<\/h5>\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<div class=\"elementor-element elementor-element-dd9d4ff e-con-full e-flex elementor-invisible e-con e-child\" data-id=\"dd9d4ff\" 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-23f89d6 ekit-equal-height-enable elementor-widget elementor-widget-elementskit-icon-box\" data-id=\"23f89d6\" 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-center 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 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