{"id":37240,"date":"2026-06-05T11:30:43","date_gmt":"2026-06-05T01:30:43","guid":{"rendered":"https:\/\/www.dbaadvisory.com\/?p=37240"},"modified":"2026-09-16T12:43:32","modified_gmt":"2026-09-16T02:43:32","slug":"austrac-audit-process","status":"publish","type":"post","link":"https:\/\/www.dbaadvisory.com\/en\/austrac-audit-process\/","title":{"rendered":"AUSTRAC Audit Process"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"37240\" class=\"elementor elementor-37240\" 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-4869ec9 e-con-full e-flex e-con e-child\" data-id=\"4869ec9\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-282961b elementor-widget__width-inherit elementor-widget elementor-widget-theme-post-title elementor-page-title elementor-widget-heading\" data-id=\"282961b\" 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\">AUSTRAC Audit Process<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5728090 elementor-align-left elementor-widescreen-align-left elementor-widget elementor-widget-post-info\" data-id=\"5728090\" 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\/05\/\">\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 5, 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>11:30 am<\/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\u20138 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<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\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>The AUSTRAC audit process involves three supervisory pathways: desk-based reviews, on-site examinations and industry-wide programs. Selection is intelligence-led rather than random. AUSTRAC assesses whether an AML\/CTF program was applied in practice, not merely documented.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e039046 elementor-toc--content-ellipsis elementor-toc--minimized-on-tablet elementor-widget elementor-widget-table-of-contents\" data-id=\"e039046\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;headings_by_tags&quot;:[&quot;h2&quot;,&quot;h3&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;bullets&quot;,&quot;collapse_subitems&quot;:&quot;yes&quot;,&quot;icon&quot;:{&quot;value&quot;:&quot;fas fa-circle&quot;,&quot;library&quot;:&quot;fa-solid&quot;},&quot;minimize_box&quot;:&quot;yes&quot;,&quot;minimized_on&quot;:&quot;tablet&quot;,&quot;hierarchical_view&quot;:&quot;yes&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__e039046\" 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__e039046\" 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__e039046\" class=\"elementor-toc__body elementor-toc__list-items--collapsible\">\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 class=\"elementor-element elementor-element-a8823d9 elementor-widget elementor-widget-heading\" data-id=\"a8823d9\" 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\">AUSTRAC Audit Process: What Happens and When<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-79f938f 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>The AUSTRAC audit process is one of the highest-anxiety topics for professional services firms entering the AML\/CTF regime, largely because so little is said about it. AUSTRAC conducts three types of supervisory activity: desk-based reviews, on-site examinations and industry-wide programs. Knowing which is which, and what each asks for, removes most of the uncertainty.<\/p><p>AUSTRAC conducts three types of supervisory activity: desk-based reviews, on-site examinations, and industry-wide supervisory programs. Each has different triggers, timelines, and preparation requirements. Knowing which type of review you are facing, and what evidence standard applies, is the first step in managing the process.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-395e198 elementor-widget elementor-widget-heading\" data-id=\"395e198\" 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\">Key Takeaways<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4827cea elementor-widget__width-inherit elementor-widget-tablet__width-inherit elementor-widget elementor-widget-ucaddon_uc_icon_accordion\" data-id=\"4827cea\" 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_4827cea *{\n\tbox-sizing: border-box;\n}\n\n#uc_uc_icon_accordion_elementor_4827cea .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_4827cea .uc_container .uc-heading span.bbb{\n\tdisplay:block;\t  \n}\n\n#uc_uc_icon_accordion_elementor_4827cea .uc_ac_box.uc-item-active span.uc_dactive{\n\tdisplay:none;\n}\n\n#uc_uc_icon_accordion_elementor_4827cea .uc_ac_box:not(.uc-item-active) span.uc_active{\n\tdisplay:none;\n}\n\n#uc_uc_icon_accordion_elementor_4827cea .ue_icon_holder,\n#uc_uc_icon_accordion_elementor_4827cea .ue_icon_spacing{\n  flex-grow:0;\n  flex-shrink:0; \n}\n\n#uc_uc_icon_accordion_elementor_4827cea .uc_content{\n\tdisplay: none;\n}\n\n#uc_uc_icon_accordion_elementor_4827cea .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_4827cea .ue_icon svg{\n  height:1em;\n  width:1em;\n}\n\n#uc_uc_icon_accordion_elementor_4827cea .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_4827cea .ue_expand_inside svg{\n  height:1em;\n  width:1em;\n}\n\n#uc_uc_icon_accordion_elementor_4827cea .ue_expand,\n#uc_uc_icon_accordion_elementor_4827cea .ue_expand_spacing{\n  flex-grow:0;\n  flex-shrink:0;\n}\n\n#uc_uc_icon_accordion_elementor_4827cea .ue_title{\n  flex-grow:1;\n}\n\n#uc_uc_icon_accordion_elementor_4827cea .uc_ac_box:last-child{\n  margin-bottom:0px;\n}\n\n#uc_uc_icon_accordion_elementor_4827cea .uc_ac_box{\n  overflow:hidden;\n}\n\n<\/style>\n\n<div class=\"uc_material_accordion  \"  id=\"uc_uc_icon_accordion_elementor_4827cea\" 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_4827cea_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_4827cea_item1-content\" tabindex=\"0\" aria-expanded=\"false\">\n    \n          <div class=\"ue_icon_holder\">\n        <div class=\"ue_icon\"><i class='icon icon-check'><\/i><\/div>\n      <\/div>\n      <div class=\"ue_icon_spacing\"><\/div>\n        \n    <div id=\"uc_uc_icon_accordion_elementor_4827cea_item1-title\" class=\"ue_title\">The AUSTRAC audit process runs through three pathways: desk-based reviews, on-site examinations and industry-wide supervisory programs.<\/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=''><\/i><\/span>\n          <span class=\"uc_active bbb ue_accordion_icon\"><i class=''><\/i><\/span>\n        <\/div>\n      <\/div>\n        \n  <\/div>\n  \n  <div id=\"uc_uc_icon_accordion_elementor_4827cea_item1-content\" class=\"uc_content\" role=\"region\" aria-labelledby=\"uc_uc_icon_accordion_elementor_4827cea_item1-title\" >\n          \n     \n    \n     \n    \n  <\/div>\n<\/div>\n\n\n<div id=\"uc_uc_icon_accordion_elementor_4827cea_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_4827cea_item2-content\" tabindex=\"0\" aria-expanded=\"false\">\n    \n          <div class=\"ue_icon_holder\">\n        <div class=\"ue_icon\"><i class='icon icon-check'><\/i><\/div>\n      <\/div>\n      <div class=\"ue_icon_spacing\"><\/div>\n        \n    <div id=\"uc_uc_icon_accordion_elementor_4827cea_item2-title\" class=\"ue_title\">Selection is intelligence-led rather than random, so the firms reviewed are generally those where something in the available data warranted a closer look.<\/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=''><\/i><\/span>\n          <span class=\"uc_active bbb ue_accordion_icon\"><i class=''><\/i><\/span>\n        <\/div>\n      <\/div>\n        \n  <\/div>\n  \n  <div id=\"uc_uc_icon_accordion_elementor_4827cea_item2-content\" class=\"uc_content\" role=\"region\" aria-labelledby=\"uc_uc_icon_accordion_elementor_4827cea_item2-title\" >\n          \n     \n    \n     \n    \n  <\/div>\n<\/div>\n\n\n<div id=\"uc_uc_icon_accordion_elementor_4827cea_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_4827cea_item3-content\" tabindex=\"0\" aria-expanded=\"false\">\n    \n          <div class=\"ue_icon_holder\">\n        <div class=\"ue_icon\"><i class='icon icon-check'><\/i><\/div>\n      <\/div>\n      <div class=\"ue_icon_spacing\"><\/div>\n        \n    <div id=\"uc_uc_icon_accordion_elementor_4827cea_item3-title\" class=\"ue_title\">The evidence standard is practice, not paperwork. AUSTRAC asks what your firm actually did, and expects the records to show 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=''><\/i><\/span>\n          <span class=\"uc_active bbb ue_accordion_icon\"><i class=''><\/i><\/span>\n        <\/div>\n      <\/div>\n        \n  <\/div>\n  \n  <div id=\"uc_uc_icon_accordion_elementor_4827cea_item3-content\" class=\"uc_content\" role=\"region\" aria-labelledby=\"uc_uc_icon_accordion_elementor_4827cea_item3-title\" >\n          \n     \n    \n     \n    \n  <\/div>\n<\/div>\n\n\n<div id=\"uc_uc_icon_accordion_elementor_4827cea_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_4827cea_item4-content\" tabindex=\"0\" aria-expanded=\"false\">\n    \n          <div class=\"ue_icon_holder\">\n        <div class=\"ue_icon\"><i class='icon icon-check'><\/i><\/div>\n      <\/div>\n      <div class=\"ue_icon_spacing\"><\/div>\n        \n    <div id=\"uc_uc_icon_accordion_elementor_4827cea_item4-title\" class=\"ue_title\">The deficiencies found most often in professional services firms are documentation gaps rather than deliberate avoidance.<\/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=''><\/i><\/span>\n          <span class=\"uc_active bbb ue_accordion_icon\"><i class=''><\/i><\/span>\n        <\/div>\n      <\/div>\n        \n  <\/div>\n  \n  <div id=\"uc_uc_icon_accordion_elementor_4827cea_item4-content\" class=\"uc_content\" role=\"region\" aria-labelledby=\"uc_uc_icon_accordion_elementor_4827cea_item4-title\" >\n          \n     \n    \n     \n    \n  <\/div>\n<\/div>\n\n\n<div id=\"uc_uc_icon_accordion_elementor_4827cea_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_4827cea_item5-content\" tabindex=\"0\" aria-expanded=\"false\">\n    \n          <div class=\"ue_icon_holder\">\n        <div class=\"ue_icon\"><i class='icon icon-check'><\/i><\/div>\n      <\/div>\n      <div class=\"ue_icon_spacing\"><\/div>\n        \n    <div id=\"uc_uc_icon_accordion_elementor_4827cea_item5-title\" class=\"ue_title\">Confirm current supervisory approach and reporting obligations against AUSTRAC guidance.<\/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=''><\/i><\/span>\n          <span class=\"uc_active bbb ue_accordion_icon\"><i class=''><\/i><\/span>\n        <\/div>\n      <\/div>\n        \n  <\/div>\n  \n  <div id=\"uc_uc_icon_accordion_elementor_4827cea_item5-content\" class=\"uc_content\" role=\"region\" aria-labelledby=\"uc_uc_icon_accordion_elementor_4827cea_item5-title\" >\n          \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 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 loading=\"lazy\" decoding=\"async\" width=\"1500\" height=\"998\" src=\"https:\/\/www.dbaadvisory.com\/wp-content\/uploads\/2026\/09\/austrac-audit-process-conclusion.webp\" class=\"attachment-full size-full wp-image-37024\" alt=\"an image of an icicle slowly melting under the setting sun, symbolising the rigorous AUSTRAC Audit Process\" srcset=\"https:\/\/www.dbaadvisory.com\/wp-content\/uploads\/2026\/09\/austrac-audit-process-conclusion.webp 1500w, https:\/\/www.dbaadvisory.com\/wp-content\/uploads\/2026\/09\/austrac-audit-process-conclusion-300x200.webp 300w, https:\/\/www.dbaadvisory.com\/wp-content\/uploads\/2026\/09\/austrac-audit-process-conclusion-1024x681.webp 1024w, https:\/\/www.dbaadvisory.com\/wp-content\/uploads\/2026\/09\/austrac-audit-process-conclusion-768x511.webp 768w, https:\/\/www.dbaadvisory.com\/wp-content\/uploads\/2026\/09\/austrac-audit-process-conclusion-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 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<h2 class=\"elementor-heading-title elementor-size-default\">AUSTRAC Audit Process: How Firms Are Selected<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ff692c2 elementor-widget elementor-widget-text-editor\" data-id=\"ff692c2\" 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 uses intelligence-led targeting to prioritise its supervisory activity. The selection criteria include: whether a reporting entity has registered on time; the nature and volume of the designated services it provides; intelligence from suspicious matter reports, law enforcement referrals, and financial intelligence analysis; complaints from other reporting entities or members of the public; and whether the entity&#8217;s transaction patterns deviate from sector norms.<\/p>\n<p>For newly designated Tranche 2 entities, AUSTRAC&#8217;s initial supervisory focus is expected to target registration compliance, the existence of a Part A and Part B program, and basic KYC file quality. Firms that have not registered, or that registered with an obviously inadequate program, are at highest risk of early supervisory attention.<\/p>\n<p>AUSTRAC also conducts periodic industry-wide supervisory programs that examine all entities in a sector, not just those with identified risk indicators. All professional services firms should plan for supervisory contact within their first two to three years of registration.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5677d5f elementor-widget-laptop__width-initial 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<h2 class=\"elementor-heading-title elementor-size-default\">The Three Supervision Pathways<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9f5ed03 elementor-widget elementor-widget-heading\" data-id=\"9f5ed03\" 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<h3 class=\"elementor-heading-title elementor-size-default\">Desk-Based Review<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5b8aa90 elementor-widget elementor-widget-text-editor\" data-id=\"5b8aa90\" 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 desk-based review is the most common form of initial supervisory contact. AUSTRAC notifies the entity in writing, requests specific documentation, and reviews that documentation without conducting an on-site examination. The documentation typically requested includes the firm&#8217;s AML\/CTF program (Part A and Part B), risk assessment, staff training records, a sample of KYC files, transaction monitoring records, and suspicious matter and threshold transaction reporting records.<\/p>\n<p>A desk-based review generally gives the entity 10 to 20 business days to provide the requested documentation. Responses should be thorough and well-organised. Gaps in documentation (missing training records, incomplete KYC files, or a program that has not been updated since initial adoption) will trigger further scrutiny.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\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<h3 class=\"elementor-heading-title elementor-size-default\">On-Site Examination<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-07725d3 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>An on-site examination involves AUSTRAC officers attending the firm&#8217;s premises to conduct interviews and inspect records directly. On-site examinations are used where a desk-based review has identified potential compliance concerns, where the firm operates high-risk designated services, or as part of an industry-wide supervisory program.<\/p>\n<p>During an on-site examination, AUSTRAC officers may interview the Compliance Officer and other staff involved in providing designated services. They will test whether staff understand the firm&#8217;s AML\/CTF procedures, whether KYC files are consistent with stated procedures, and whether transaction monitoring is operating as documented. The emphasis is on operational reality. What the firm actually does, not what its program document says it does.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9890800 elementor-widget elementor-widget-heading\" data-id=\"9890800\" 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<h3 class=\"elementor-heading-title elementor-size-default\">Industry-Wide Supervisory Programs<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7b5bd64 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>Industry-wide supervisory programs examine a cross-section of entities in a sector simultaneously. AUSTRAC has used this approach in the real estate, gambling, and financial services sectors. For professional services, an industry-wide program is likely to follow the initial Tranche 2 commencement period, once AUSTRAC has gathered sufficient intelligence about sector-wide compliance patterns.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\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 loading=\"lazy\" decoding=\"async\" width=\"1500\" height=\"1000\" src=\"https:\/\/www.dbaadvisory.com\/wp-content\/uploads\/2026\/09\/austrac-audit-process-intro.webp\" class=\"attachment-full size-full wp-image-37023\" alt=\"an image of a young boy on a sled playing in the snow, symbolising the peace of mind firms will have when they engage DBA Advisory for the AUSTRAC Audit Process\" srcset=\"https:\/\/www.dbaadvisory.com\/wp-content\/uploads\/2026\/09\/austrac-audit-process-intro.webp 1500w, https:\/\/www.dbaadvisory.com\/wp-content\/uploads\/2026\/09\/austrac-audit-process-intro-300x200.webp 300w, https:\/\/www.dbaadvisory.com\/wp-content\/uploads\/2026\/09\/austrac-audit-process-intro-1024x683.webp 1024w, https:\/\/www.dbaadvisory.com\/wp-content\/uploads\/2026\/09\/austrac-audit-process-intro-768x512.webp 768w, https:\/\/www.dbaadvisory.com\/wp-content\/uploads\/2026\/09\/austrac-audit-process-intro-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 class=\"elementor-element elementor-element-0ad5602 elementor-widget elementor-widget-heading\" data-id=\"0ad5602\" 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\">What AUSTRAC Actually Asks For<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3e14427 elementor-widget elementor-widget-text-editor\" data-id=\"3e14427\" 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>hether the review is desk-based or on-site, the evidence standard is consistent. AUSTRAC examines the following documentation categories:<\/p>\n<ul>\n<li>AML\/CTF program, Part A (business-wide risk management) and Part B (customer identification and verification), including version history and evidence of senior management approval<\/li>\n<li>Risk assessment, the current ML\/TF risk assessment and evidence that it has been reviewed and updated when circumstances change<\/li>\n<li>KYC files, a sample of customer identification and verification files, tested against the firm&#8217;s stated procedures<\/li>\n<li>Transaction monitoring records. Evidence that the monitoring system is operating and that alerts are being escalated and assessed<\/li>\n<li>Staff training records, a register of who received training, when, and what it covered, including induction and refresher training<\/li>\n<li>Reporting records. Evidence of suspicious matter report lodgements and threshold transaction reports where applicable<\/li>\n<li>Compliance Officer documentation: evidence of the role, responsibilities, and oversight activity of the designated Compliance Officer<\/li>\n<\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-aa835cd elementor-widget elementor-widget-heading\" data-id=\"aa835cd\" 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\">The Evidence Standard: Practice, Not Paperwork<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ede2c06 elementor-widget elementor-widget-text-editor\" data-id=\"ede2c06\" 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&#8217;s enforcement history makes one pattern clear: the agency is not satisfied by a well-drafted program document sitting in isolation from the firm&#8217;s actual operations. The evidence standard is practice, not paperwork.<\/p>\n<p>In the Commonwealth Bank enforcement action, the bank had formal AML\/CTF procedures. The deficiency was that those procedures were not consistently followed in practice, and the monitoring systems did not operate as documented. In the Westpac action, the failures included transaction monitoring that was technically present but did not function correctly, and KYC procedures that did not capture the beneficial ownership information required by the rules.<\/p>\n<p>For professional services firms, this means that KYC files must be complete and consistent across the client base. Training records must reflect actual training delivered to actual staff. The Compliance Officer must have evidence of regular oversight activity, not just a title on an organisational chart.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3194579 elementor-blockquote--skin-border elementor-widget elementor-widget-blockquote\" data-id=\"3194579\" 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 interviewers are trained to identify the gap between what a program document says and what staff actually do. Firms that have adopted a compliant program but have not embedded it operationally are as vulnerable as firms that have no program at all.\t\t\t<\/p>\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 class=\"elementor-element elementor-element-00f69d9 elementor-widget elementor-widget-heading\" data-id=\"00f69d9\" 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\">Typical Deficiencies Found in Professional Services Firms<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-32500e9 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>Based on AUSTRAC&#8217;s published enforcement actions and supervisory findings from analogous overseas regimes, the most common deficiencies in professional services sector firms are:<\/p><ul><li>Programs adopted at commencement but never updated after regulatory changes or changes in the firm&#8217;s services or client base<\/li><li>KYC files that are incomplete, rely on expired documents, or do not capture beneficial ownership for corporate and trust clients<\/li><li>No evidence of staff training, or training that is undocumented<\/li><li>Transaction monitoring that is manual, undocumented, and inconsistently applied<\/li><li>No records of the Compliance Officer&#8217;s oversight and review activity<\/li><li>Suspicious matter report processes that are known to the Compliance Officer but not documented or communicated to all relevant staff<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5b53d37 elementor-widget elementor-widget-heading\" data-id=\"5b53d37\" 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\">Enforceable Undertakings and Civil Penalties<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5339938 elementor-widget elementor-widget-text-editor\" data-id=\"5339938\" 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 AUSTRAC&#8217;s supervisory review identifies material compliance failures, it will assess the appropriate enforcement response. The graduated approach moves from remediation-focused engagement to enforceable undertakings to civil penalty proceedings, depending on the seriousness of the failures and the firm&#8217;s response.<\/p><p>An enforceable undertaking requires the firm to commit to specific remediation steps: typically independent audit, program remediation, enhanced reporting to AUSTRAC, and board-level oversight. Enforceable undertakings are publicly disclosed. For a professional services firm, public disclosure of an enforceable undertaking constitutes a significant reputational consequence in addition to the remediation cost.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-acf5698 elementor-widget elementor-widget-heading\" data-id=\"acf5698\" 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\">How DBA Advisory Prepares Firms for AUSTRAC Scrutiny<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5fc6d53 elementor-widget elementor-widget-text-editor\" data-id=\"5fc6d53\" 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&#8217;s <a href=\"https:\/\/dbaaml.com\/\" target=\"_blank\" rel=\"noopener\">AML\/CTF<\/a> program build service is designed to produce programs that meet AUSTRAC&#8217;s evidence standard from day one. This means drafting a compliant program document but ensuring that <a href=\"https:\/\/www.austrac.gov.au\/glossary\/kyc-information\" target=\"_blank\" rel=\"noopener\">KYC procedures<\/a> are operationally embedded, training is delivered and documented, and the Compliance Officer function is active and evidenced. For firms approaching a supervisory review, DBA Advisory offers a pre-review audit service that assesses your program against AUSTRAC&#8217;s evidence standard and identifies gaps before the reviewer does.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f57f631 elementor-widget__width-inherit elementor-widget elementor-widget-image\" data-id=\"f57f631\" 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 loading=\"lazy\" decoding=\"async\" width=\"1500\" height=\"851\" src=\"https:\/\/www.dbaadvisory.com\/wp-content\/uploads\/2026\/09\/austrac-audit-process-hero.webp\" class=\"attachment-full size-full wp-image-37022\" alt=\"an image of a wolf with eyes blazing, symbolising the strict AUSTRAC Audit Process\" srcset=\"https:\/\/www.dbaadvisory.com\/wp-content\/uploads\/2026\/09\/austrac-audit-process-hero.webp 1500w, https:\/\/www.dbaadvisory.com\/wp-content\/uploads\/2026\/09\/austrac-audit-process-hero-300x170.webp 300w, https:\/\/www.dbaadvisory.com\/wp-content\/uploads\/2026\/09\/austrac-audit-process-hero-1024x581.webp 1024w, https:\/\/www.dbaadvisory.com\/wp-content\/uploads\/2026\/09\/austrac-audit-process-hero-768x436.webp 768w, https:\/\/www.dbaadvisory.com\/wp-content\/uploads\/2026\/09\/austrac-audit-process-hero-18x10.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 class=\"elementor-element elementor-element-3354a17 elementor-widget elementor-widget-heading\" data-id=\"3354a17\" 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<h3 class=\"elementor-heading-title elementor-size-default\">AUSTRAC audit processa: what your files have to show<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a6c1ea4 elementor-widget elementor-widget-text-editor\" data-id=\"a6c1ea4\" 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 part firms do not prepare for is the interview. Reviewers ask the people who actually onboard clients what they do, in their own words, and compare the answers to the program document. A well-written program described differently by three staff members is a finding on its own, and no amount of drafting fixes it after the fact.<\/p><p>Selection is risk-based rather than random, and supervision runs through desk-based review, on-site examination, and industry-wide programs. Across all three the evidence standard is the same: practice, not paperwork. The deficiencies found most often in professional firms are programs never updated after a regulatory change, and client files that are missing the reason behind the risk rating.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\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<h2 class=\"elementor-heading-title elementor-size-default\">Frequently Asked Questions (FAQs)<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\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\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\">How does AUSTRAC select firms for an audit or review?<\/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>AUSTRAC uses intelligence-led targeting. Factors include registration compliance, the nature and volume of designated services, suspicious matter report patterns, and financial intelligence from law enforcement referrals. Newly designated Tranche 2 entities should expect supervisory contact within their first two to three years of registration. AUSTRAC also conducts periodic industry-wide supervisory programs that apply to all entities in a sector.<\/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 much notice does AUSTRAC give before a review?<\/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>For desk-based reviews, AUSTRAC typically provides written notice and allows 10 to 20 business days to respond with documentation. On-site examinations may be preceded by shorter notice periods. AUSTRAC has power to conduct unannounced on-site examinations in certain circumstances, though this is less common in the supervisory context and more typical in formal investigations.<\/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 documentation must I provide to AUSTRAC during a review?<\/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>AUSTRAC will typically request your AML\/CTF program (Part A and Part B), current risk assessment, a sample of KYC files, transaction monitoring records, staff training records, and suspicious matter and threshold transaction reporting records. The emphasis is on evidence that your program is operating in practice, not just on paper.<\/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 happens after an AUSTRAC audit?<\/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>If AUSTRAC finds no material compliance concerns, it will close the review and may provide feedback on areas for improvement. Where material failures are identified, AUSTRAC will engage with the entity on remediation and may issue an enforceable undertaking or, for serious failures, commence civil penalty proceedings. Enforceable undertakings are publicly disclosed on AUSTRAC's website.<\/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\">Can AUSTRAC conduct an audit without warning?<\/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>AUSTRAC has powers under the AML\/CTF Act to enter premises and inspect records without prior notice in certain circumstances. These powers are most commonly exercised in formal investigation contexts rather than routine supervisory reviews. The majority of Tranche 2 professional services firm reviews will begin with written notification and a documentation request.<\/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 class=\"elementor-element elementor-element-95cf43d elementor-widget elementor-widget-heading\" data-id=\"95cf43d\" 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<h3 class=\"elementor-heading-title elementor-size-default\">How DBA Advisory Supports You<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5e67031 elementor-widget elementor-widget-text-editor\" data-id=\"5e67031\" 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 offers fixed-fee AML\/CTF pre-review audit and program remediation services engagements with no hidden costs. Contact our team at dbaadvisory.com to discuss your requirements. General information only, not legal, tax, or compliance advice. Verify all obligations against current <a href=\"https:\/\/www.austrac.gov.au\/\" target=\"_blank\" rel=\"noopener\">AUSTRAC<\/a>, <a href=\"https:\/\/www.ato.gov.au\/\" target=\"_blank\" rel=\"noopener\">ATO<\/a>, and legislative guidance.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7bd6919 elementor-widget elementor-widget-heading\" data-id=\"7bd6919\" 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\">How DBA AML Supports You<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-14c73fa elementor-widget elementor-widget-text-editor\" data-id=\"14c73fa\" 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>This work is delivered by <a href=\"https:\/\/dbaaml.com\/\" target=\"_blank\" rel=\"noopener\">DBA AML Group Pty Ltd<\/a>, the specialist AML\/CTF compliance entity within DBA Advisory. It is a service rather than software: real AML\/CTF practitioners do the work, so what leaves your desk is the function itself, not a portal to configure and operate. You remain the reporting entity; the operations move.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6ebcaed elementor-widget elementor-widget-text-editor\" data-id=\"6ebcaed\" 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>DBA AML Group Pty Ltd \u00b7 ACN 697 643 404 \u00b7 hello@dbaaml.com \u00b7 <a href=\"https:\/\/dbaaml.com\/\" target=\"_blank\" rel=\"noopener\">dbaaml.com<\/a> \u00b7 We respond within one business day. Scope and fees are confirmed after a discovery call.<\/em><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7a3b90f elementor-blockquote--button-view-icon elementor-hidden-widescreen elementor-hidden-desktop elementor-hidden-laptop elementor-hidden-tablet_extra elementor-hidden-tablet elementor-hidden-mobile_extra elementor-hidden-mobile elementor-blockquote--skin-border elementor-blockquote--button-skin-classic elementor-widget elementor-widget-blockquote\" data-id=\"7a3b90f\" 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\tWould your client files survive a desk review? The KYC\/CDD Client File Checklist shows what a defensible CDD file contains, including the ten-minute file audit reviewers effectively run on you. Download it free or book a meeting today!\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=Would+your+client+files+survive+a+desk+review%3F+The+KYC%2FCDD+Client+File+Checklist+shows+what+a+defensible+CDD+file+contains%2C+including+the+ten-minute+file+audit+reviewers+effectively+run+on+you.+Download+it+free+or+book+a+meeting+today%21&amp;url=https%3A%2F%2Fwww.dbaadvisory.com%2Ffeed%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<span class=\"elementor-screen-only\">Tweet<\/span>\n\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<\/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 class=\"elementor-element elementor-element-00259c6 elementor-widget__width-inherit elementor-widget-laptop__width-initial elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"00259c6\" 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 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<h4 class=\"elementor-heading-title elementor-size-default\">Disclaimer<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ea35bb6 elementor-widget elementor-widget-text-editor\" data-id=\"ea35bb6\" 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>\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.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bce6d83 elementor-share-buttons--view-icon-text elementor-share-buttons--skin-gradient elementor-share-buttons--shape-square elementor-grid-0 elementor-share-buttons--color-official elementor-widget elementor-widget-share-buttons\" data-id=\"bce6d83\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"share-buttons.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-grid\" role=\"list\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-grid-item\" role=\"listitem\">\n\t\t\t\t\t\t<div class=\"elementor-share-btn elementor-share-btn_facebook\" role=\"button\" tabindex=\"0\" aria-label=\"Share on facebook\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-share-btn__icon\">\n\t\t\t\t\t\t\t\t<i class=\"fab fa-facebook\" aria-hidden=\"true\"><\/i>\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-share-btn__text\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-share-btn__title\">\n\t\t\t\t\t\t\t\t\t\tPin\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-grid-item\" role=\"listitem\">\n\t\t\t\t\t\t<div class=\"elementor-share-btn elementor-share-btn_x-twitter\" role=\"button\" tabindex=\"0\" aria-label=\"Share on x-twitter\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-share-btn__icon\">\n\t\t\t\t\t\t\t\t<i class=\"fab fa-x-twitter\" aria-hidden=\"true\"><\/i>\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-share-btn__text\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-share-btn__title\">\n\t\t\t\t\t\t\t\t\t\tShare\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-grid-item\" role=\"listitem\">\n\t\t\t\t\t\t<div class=\"elementor-share-btn elementor-share-btn_linkedin\" role=\"button\" tabindex=\"0\" aria-label=\"Share on linkedin\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-share-btn__icon\">\n\t\t\t\t\t\t\t\t<i class=\"fab fa-linkedin\" aria-hidden=\"true\"><\/i>\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-share-btn__text\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-share-btn__title\">\n\t\t\t\t\t\t\t\t\t\tSave\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\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<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-d4b25de e-con-full e-flex e-con e-parent\" data-id=\"d4b25de\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;none&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-85e2dac e-con-full e-flex e-con e-child\" data-id=\"85e2dac\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b896a4b elementor-widget__width-inherit elementor-widget elementor-widget-heading\" data-id=\"b896a4b\" 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\">Related Insights<\/h5>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e15b5ad elementor-widget__width-inherit elementor-widget elementor-widget-ucaddon_post_grid\" data-id=\"e15b5ad\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"ucaddon_post_grid.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n<!-- start Post Grid -->\n\n<style>\/* widget: Post Grid *\/\n\n\n\n#uc_post_grid_elementor_e15b5ad{\n  min-height: 1px;\n}\n\n#uc_post_grid_elementor_e15b5ad.uc_post_grid_style_one .uc_post_grid_style_one_wrap {\n   display:grid;\n}\n\n\n#uc_post_grid_elementor_e15b5ad .uc_post_grid_style_one_item{\n  position:relative;\n}\n\n#uc_post_grid_elementor_e15b5ad .uc_post_image{\n  transition:0.3s;\n  position:relative;\n  overflow:hidden;\n}\n\n#uc_post_grid_elementor_e15b5ad .uc_post_image img{\n  width:100%;\n  display:block;\n  transition:0.3s;\n}\n\n\t\n\n#uc_post_grid_elementor_e15b5ad .uc_post_image_overlay{\n  position:absolute;\n  top:0px;\n  left:0px;\n  height:100%;\n  width:100%;\n  transition:0.3s;\n}\n\n#uc_post_grid_elementor_e15b5ad .uc_more_btn-custom-field{\n  display:inline-block;\n  text-align:center;\n  text-decoration:none;\n  transition:0.3s;\n}\n\n#uc_post_grid_elementor_e15b5ad .uc_more_btn{\n  display:inline-block;\n  text-align:center;\n  text-decoration:none;\n  transition:0.3s;\n}\n\n.ue-grid-item-category a{\n  display:inline-block;\n  font-size:10px;\n  position: relative;\n  z-index: 1;\n}\n\n#uc_post_grid_elementor_e15b5ad .ue-grid-item-posttype{\n  display:inline-block;\n  position: relative;\n  z-index: 1;\n}\n\n\n.uc_post_title{\n  font-size:21px;\n}\n\n\n#uc_post_grid_elementor_e15b5ad.uc_post_grid_style_one.ue-list-view .uc_content{\n flex-grow:1;\n}\n\n\n  #uc_post_grid_elementor_e15b5ad:not(.ue-list-view) .ue_post_grid_item{\n    display:flex;\n    flex-direction:column;\n  }\n  \n  #uc_post_grid_elementor_e15b5ad.uc_post_grid_style_one:not(.ue-list-view) .uc_content{\n   flex-grow:1;\n  }\n\n  #uc_post_grid_elementor_e15b5ad.uc_post_grid_style_one .uc_content > div{\n    height:100%;\n    display:flex;\n    flex-direction:column;\n    justify-content: space-between;  }\n\n    #uc_post_grid_elementor_e15b5ad .uc_post_button   {\n     margin-top:auto;\n   }\n  \n\n\n\n\n\n\n\n\n\n  #uc_post_grid_elementor_e15b5ad.uc_post_grid_style_one:not(.ue-list-view) .uc_post_grid_style_one_wrap {\n     grid-template-columns: repeat(4, 1fr);\n     display:grid;\n  }\n\n  #uc_post_grid_elementor_e15b5ad .ue_post_grid_item{\n    background-color:#eeeeee;\n  }\n\n  #uc_post_grid_elementor_e15b5ad:not(.ue-list-view) .ue_post_grid_item:nth-child(1){\n    grid-column: span 2; grid-row:span 2;\n  }\n\n  #uc_post_grid_elementor_e15b5ad:not(.ue-list-view) .ue_post_grid_item:nth-child(2){\n    grid-column: span 1; grid-row:span 1;\n  }\n\n  #uc_post_grid_elementor_e15b5ad:not(.ue-list-view) .ue_post_grid_item:nth-child(3){\n    grid-column: span 1; grid-row:span 1;\n  }\n\n  #uc_post_grid_elementor_e15b5ad:not(.ue-list-view) .ue_post_grid_item:nth-child(4){\n    grid-column: span 2; grid-row:span 1;\n  }\n\n  #uc_post_grid_elementor_e15b5ad:not(.ue-list-view) .ue_post_grid_item:nth-child(5){\n    grid-column: span 1; grid-row:span 2;\n  }\n\n  #uc_post_grid_elementor_e15b5ad:not(.ue-list-view) .ue_post_grid_item:nth-child(6){\n    grid-column: span 1; grid-row:span 1;\n  }\n\n  #uc_post_grid_elementor_e15b5ad:not(.ue-list-view) .ue_post_grid_item:nth-child(7){\n    grid-column: span 2; grid-row:span 1;\n  }\n\n  @media (max-width:620px){\n    #uc_post_grid_elementor_e15b5ad .ue_post_grid {\n      grid-template-columns: repeat(1, 1fr) !important;\n    }\n\n    #uc_post_grid_elementor_e15b5ad .ue_post_grid_item {\n      grid-column: span 1 !important; grid-row:span 1 !important;\n    }\n  }\n\n\n\n  \n  \n\/*  for grid\/list layout switcher*\/\n\t#uc_post_grid_elementor_e15b5ad.ue-list-view .uc_post_grid_style_one_item {\n     display:flex;  \n     flex-direction:row;\n    }\n    #uc_post_grid_elementor_e15b5ad.ue-list-view .uc_post_grid_style_one_item > div{\n     width:50%;\n    }\n   \n    #uc_post_grid_elementor_e15b5ad.ue-list-view .uc_content    {\n      display:flex;\n      flex-direction:column;\n      justify-content:center;\n    }\n \n\/*  for grid\/list layout switcher*\/\n\n#uc_post_grid_elementor_e15b5ad .ue-meta-data{  \n  display:flex !important;\n  flex-wrap: wrap;\n  line-height:1em;\n}\n\n#uc_post_grid_elementor_e15b5ad .ue-grid-item-meta-data{\n  display:inline-flex;\n  align-items:center;\n}\n\n#uc_post_grid_elementor_e15b5ad .ue-grid-item-meta-data a{\n  color:inherit;\n}\n\n.ue-grid-item-meta-data{\n  font-size:12px;\n}\n\n#uc_post_grid_elementor_e15b5ad .ue-grid-item-meta-data-icon{\n  line-height:1em;\n}\n\n#uc_post_grid_elementor_e15b5ad .ue-grid-item-meta-data-icon svg{\n  width:1em;\n  height:1em;\n}\n\n#uc_post_grid_elementor_e15b5ad .ue-debug-meta{\n  padding:10px;\n  border:1px solid red;\n  position:relative;\n  line-height:1.5em;\n  font-size:11px;\n  width:100%;\n}\n\n#uc_post_grid_elementor_e15b5ad .uc_btn_inner{\n  display:inline-flex;\n  align-items:center;\n  pointer-events:none;\n}\n\n#uc_post_grid_elementor_e15b5ad .uc_btn_inner svg{\n  width:1em;\n  height:1em;\n}\n#uc_post_grid_elementor_e15b5ad .ue_p_title{\n  pointer-events:none;\n}\n  #uc_post_grid_elementor_e15b5ad .ue_post_full_link{\n    position:absolute;\n    width:100%;\n    height:100%;\n    top:0;\n    left:0;\n    z-index: 10;\n  }\n\n\n#uc_post_grid_elementor_e15b5ad .uc_content_inner{\n  width: 100%;\n}\n\n\n#uc_post_grid_elementor_e15b5ad .view-switcher-button{\n  display: flex;\n  align-items: center;\n}\n\n#uc_post_grid_elementor_e15b5ad .view-switcher-icon{\n  display: flex;\n  align-items: center;\n  line-height: 1;\n  cursor: pointer;\n  transition: all .3s ease;\n}\n\n#uc_post_grid_elementor_e15b5ad .view-switcher-icon svg{\n  height:1em;\n  width:1em;\n}\n\n#uc_post_grid_elementor_e15b5ad .view-switcher-icon.ue-hidden{\n  display: none;\n}\n\n\n#uc_post_grid_elementor_e15b5ad_item1 [href=\"javascript:void(0)\"]{\n  cursor: unset;\n}\n\n\n#uc_post_grid_elementor_e15b5ad_item2 [href=\"javascript:void(0)\"]{\n  cursor: unset;\n}\n\n\n#uc_post_grid_elementor_e15b5ad_item3 [href=\"javascript:void(0)\"]{\n  cursor: unset;\n}\n\n\n#uc_post_grid_elementor_e15b5ad_item4 [href=\"javascript:void(0)\"]{\n  cursor: unset;\n}\n\n\n<\/style>\n\n<div id=\"uc_post_grid_elementor_e15b5ad\" class=\"uc_post_grid_style_one \"  >\n  \t\n  <div class=\"uc_post_grid_style_one_wrap ue_post_grid uc-items-wrapper ue-woo-grid\">\n    \n\n\n\n\n<div id=\"uc_post_grid_elementor_e15b5ad_item1\" class=\"uc_post_grid_style_one_item ue_post_grid_item ue-item \">\n  \n      <a class=\"uc_post_grid_style_one_image \" href=\"https:\/\/www.dbaadvisory.com\/en\/aml-ctf-risk-assessment\/\" target=\"_blank\">\n     <div class=\"uc_post_image\">\n       <img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.dbaadvisory.com\/wp-content\/uploads\/2026\/09\/aml-ctf-risk-assessment-hero-768x513.webp\" alt=\"an image of a cliff diver mid-air, symbolising the confidence and peace of mind firms enjoy with DBA Advisory&#039;s AML\/CTF Risk Assessment service\" width=\"768\" height=\"513\" title=\"\">\n       <div class=\"uc_post_image_overlay\"><\/div>\n     <\/div>\n    <\/a>\n   \n  <div class=\"uc_content\">\n    <div class=\"uc_content_inner\">\n      <div class=\"uc_content-info-wrapper\" >\n                \n                            <div class=\"ue-meta-data\">\n            \n    <div class=\"ue-grid-item-meta-data ue-grid-item-meta-data--date\"><span class=\"ue-grid-item-meta-data-icon\"><i class='fas fa-calendar-week'><\/i><\/span>  19\/06\/2026<\/div>            \t    \n                \n        \n\t\n                \n                \n                \n                \n    \t\t\t\n      \n            \n  <\/div>\t\n  \n        <div class=\"uc_post_title\"><a class=\"\" href=\"https:\/\/www.dbaadvisory.com\/en\/aml-ctf-risk-assessment\/\" target=\"_blank\"><h4 class=\"ue_p_title\">AML\/CTF Risk Assessment<\/h4><\/a><\/div>\t\n                 \n                \t<div class=\"uc_post_text\">An AML\/CTF risk assessment identifies the money laundering and terrorism financing risk a reporting entity faces across four dimensions: the designated...<\/div>\n     \n                   \n                         \n                                              \n      <\/div>                      \n            <div class=\"uc_post_button\">\n        \n        <a class=\"uc_more_btn \" target=\"_blank\" href=\"https:\/\/www.dbaadvisory.com\/en\/aml-ctf-risk-assessment\/\">\n          <div class=\"uc_btn_inner\">\n            <div class=\"uc_btn_txt\">Read now<\/div>\n            <div class=\"uc_btn_icon\"><i class='fas fa-book-open'><\/i><\/div>          <\/div>\n      \t<\/a>\n        \n                \n      <\/div>                           \n \t<\/div>  <\/div>      \n  <a class=\"ue_post_full_link \" href=\"https:\/\/www.dbaadvisory.com\/en\/aml-ctf-risk-assessment\/\" target=\"_blank\"><\/a>      \n<\/div>\n\n\n\n\n\n<div id=\"uc_post_grid_elementor_e15b5ad_item2\" class=\"uc_post_grid_style_one_item ue_post_grid_item ue-item \">\n  \n      <a class=\"uc_post_grid_style_one_image \" href=\"https:\/\/www.dbaadvisory.com\/en\/30-june-tax-planning\/\" target=\"_blank\">\n     <div class=\"uc_post_image\">\n       <img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.dbaadvisory.com\/wp-content\/uploads\/2026\/09\/aml-ctf-penalties-FAQs-768x512.webp\" alt=\"an image of a strait or narrow channel, symbolising the rigorous process firms must go through to ensure a succesful 30 June Tax Planning Australia\" width=\"768\" height=\"512\" title=\"\">\n       <div class=\"uc_post_image_overlay\"><\/div>\n     <\/div>\n    <\/a>\n   \n  <div class=\"uc_content\">\n    <div class=\"uc_content_inner\">\n      <div class=\"uc_content-info-wrapper\" >\n                \n                            <div class=\"ue-meta-data\">\n            \n    <div class=\"ue-grid-item-meta-data ue-grid-item-meta-data--date\"><span class=\"ue-grid-item-meta-data-icon\"><i class='fas fa-calendar-week'><\/i><\/span>  12\/06\/2026<\/div>            \t    \n                \n        \n\t\n                \n                \n                \n                \n    \t\t\t\n      \n            \n  <\/div>\t\n  \n        <div class=\"uc_post_title\"><a class=\"\" href=\"https:\/\/www.dbaadvisory.com\/en\/30-june-tax-planning\/\" target=\"_blank\"><h4 class=\"ue_p_title\">30 June Tax Planning<\/h4><\/a><\/div>\t\n                 \n                \t<div class=\"uc_post_text\">Effective 30 June tax planning separates dated actions, which must be completed before year end, from tidy-up items that can be done afterwards. Trust...<\/div>\n     \n                   \n                         \n                                              \n      <\/div>                      \n            <div class=\"uc_post_button\">\n        \n        <a class=\"uc_more_btn \" target=\"_blank\" href=\"https:\/\/www.dbaadvisory.com\/en\/30-june-tax-planning\/\">\n          <div class=\"uc_btn_inner\">\n            <div class=\"uc_btn_txt\">Read now<\/div>\n            <div class=\"uc_btn_icon\"><i class='fas fa-book-open'><\/i><\/div>          <\/div>\n      \t<\/a>\n        \n                \n      <\/div>                           \n \t<\/div>  <\/div>      \n  <a class=\"ue_post_full_link \" href=\"https:\/\/www.dbaadvisory.com\/en\/30-june-tax-planning\/\" target=\"_blank\"><\/a>      \n<\/div>\n\n\n\n\n\n<div id=\"uc_post_grid_elementor_e15b5ad_item3\" class=\"uc_post_grid_style_one_item ue_post_grid_item ue-item \">\n  \n      <a class=\"uc_post_grid_style_one_image \" href=\"https:\/\/www.dbaadvisory.com\/en\/aml-ctf-penalties\/\" target=\"_blank\">\n     <div class=\"uc_post_image\">\n       <img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.dbaadvisory.com\/wp-content\/uploads\/2026\/09\/aml-ctf-penalties-hero-768x512.webp\" alt=\"an image of a male hiker leaping across a big gash or gap in the mountain, symbolising What Non-Compliance Actually Costs with AML\/CTF Penalties\" width=\"768\" height=\"512\" title=\"\">\n       <div class=\"uc_post_image_overlay\"><\/div>\n     <\/div>\n    <\/a>\n   \n  <div class=\"uc_content\">\n    <div class=\"uc_content_inner\">\n      <div class=\"uc_content-info-wrapper\" >\n                \n                            <div class=\"ue-meta-data\">\n            \n    <div class=\"ue-grid-item-meta-data ue-grid-item-meta-data--date\"><span class=\"ue-grid-item-meta-data-icon\"><i class='fas fa-calendar-week'><\/i><\/span>  22\/05\/2026<\/div>            \t    \n                \n        \n\t\n                \n                \n                \n                \n    \t\t\t\n      \n            \n  <\/div>\t\n  \n        <div class=\"uc_post_title\"><a class=\"\" href=\"https:\/\/www.dbaadvisory.com\/en\/aml-ctf-penalties\/\" target=\"_blank\"><h4 class=\"ue_p_title\">AML\/CTF Penalties<\/h4><\/a><\/div>\t\n                 \n                \t<div class=\"uc_post_text\">AML\/CTF penalties in Australia fall into civil and criminal categories, with AUSTRAC able to pursue enforceable undertakings, infringement notices and...<\/div>\n     \n                   \n                         \n                                              \n      <\/div>                      \n            <div class=\"uc_post_button\">\n        \n        <a class=\"uc_more_btn \" target=\"_blank\" href=\"https:\/\/www.dbaadvisory.com\/en\/aml-ctf-penalties\/\">\n          <div class=\"uc_btn_inner\">\n            <div class=\"uc_btn_txt\">Read now<\/div>\n            <div class=\"uc_btn_icon\"><i class='fas fa-book-open'><\/i><\/div>          <\/div>\n      \t<\/a>\n        \n                \n      <\/div>                           \n \t<\/div>  <\/div>      \n  <a class=\"ue_post_full_link \" href=\"https:\/\/www.dbaadvisory.com\/en\/aml-ctf-penalties\/\" target=\"_blank\"><\/a>      \n<\/div>\n\n\n\n\n\n<div id=\"uc_post_grid_elementor_e15b5ad_item4\" class=\"uc_post_grid_style_one_item ue_post_grid_item ue-item \">\n  \n      <a class=\"uc_post_grid_style_one_image \" href=\"https:\/\/www.dbaadvisory.com\/en\/aml-ctf-compliance-program\/\" target=\"_blank\">\n     <div class=\"uc_post_image\">\n       <img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.dbaadvisory.com\/wp-content\/uploads\/2026\/08\/aml-ctf-compliance-program-hero-1-768x513.webp\" alt=\"an image of a fisherman throwning a net into the water while the sun sets in the background, symbolising AML\/CTF compliance program requirements.\" width=\"768\" height=\"513\" title=\"\">\n       <div class=\"uc_post_image_overlay\"><\/div>\n     <\/div>\n    <\/a>\n   \n  <div class=\"uc_content\">\n    <div class=\"uc_content_inner\">\n      <div class=\"uc_content-info-wrapper\" >\n                \n                            <div class=\"ue-meta-data\">\n            \n    <div class=\"ue-grid-item-meta-data ue-grid-item-meta-data--date\"><span class=\"ue-grid-item-meta-data-icon\"><i class='fas fa-calendar-week'><\/i><\/span>  15\/05\/2026<\/div>            \t    \n                \n        \n\t\n                \n                \n                \n                \n    \t\t\t\n      \n            \n  <\/div>\t\n  \n        <div class=\"uc_post_title\"><a class=\"\" href=\"https:\/\/www.dbaadvisory.com\/en\/aml-ctf-compliance-program\/\" target=\"_blank\"><h4 class=\"ue_p_title\">How to Build an AML\/CTF Compliance Program<\/h4><\/a><\/div>\t\n                 \n                \t<div class=\"uc_post_text\">White labelling vs outsourcing in Australia: understand all three models, the legal risks post-Doessel, and which is right for your business. 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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-4dd460a e-grid-align-left elementor-widget__width-inherit elementor-shape-rounded elementor-grid-0 elementor-widget elementor-widget-social-icons\" data-id=\"4dd460a\" 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<div class=\"elementor-element elementor-element-b334270 e-con-full e-flex elementor-invisible e-con e-child\" data-id=\"b334270\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;fadeInUp&quot;,&quot;animation_delay&quot;:500}\">\n\t\t<div class=\"elementor-element elementor-element-782a4fe e-con-full e-flex elementor-invisible e-con e-child\" data-id=\"782a4fe\" 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<div class=\"elementor-element elementor-element-434b9ad e-con-full e-flex elementor-invisible e-con e-child\" data-id=\"434b9ad\" 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>AML\/CTF penalties in Australia fall into civil and criminal categories, with AUSTRAC able to pursue enforceable undertakings, infringement notices and civil penalty proceedings. Penalty exposure generally turns on whether a failure was systemic and whether the entity self-reported. Confirm current penalty amounts against AUSTRAC guidance.<\/p>","protected":false},"author":5,"featured_media":37022,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[417,415,339,414,408,410],"tags":[433,343,430,432,431],"class_list":["post-37240","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-managed-legal-operations","category-accounting-and-tax","category-aml-ctf-compliance","category-audit-readiness","category-financial-services-advisory","category-private-enterprise-advisory","tag-aml-audit-professional-services-australia","tag-austrac","tag-austrac-audit-process","tag-austrac-compliance-examination","tag-austrac-supervisory-review-process","entry","has-media"],"_links":{"self":[{"href":"https:\/\/www.dbaadvisory.com\/en\/wp-json\/wp\/v2\/posts\/37240","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=37240"}],"version-history":[{"count":49,"href":"https:\/\/www.dbaadvisory.com\/en\/wp-json\/wp\/v2\/posts\/37240\/revisions"}],"predecessor-version":[{"id":37477,"href":"https:\/\/www.dbaadvisory.com\/en\/wp-json\/wp\/v2\/posts\/37240\/revisions\/37477"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.dbaadvisory.com\/en\/wp-json\/wp\/v2\/media\/37022"}],"wp:attachment":[{"href":"https:\/\/www.dbaadvisory.com\/en\/wp-json\/wp\/v2\/media?parent=37240"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.dbaadvisory.com\/en\/wp-json\/wp\/v2\/categories?post=37240"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.dbaadvisory.com\/en\/wp-json\/wp\/v2\/tags?post=37240"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}