Prepare for Tranche 2 reforms (July 2026)

AML Risk Assessment

15 questions. 10 minutes. Get an indicative starting point before the deadline.

An indicative tool to help you prepare — not a compliance assessment.

15
Questions
~10
Minutes
3
Priorities
Start Assessment

Use the Start Assessment link to begin.

No account required • Results saved locally • Free

The rules are changing on 1 July 2026

You run an accounting firm. A law practice. Maybe a real estate agency. Anti-money laundering? Not your problem. Until now.

Australia's Tranche 2 AML/CTF reforms could put your profession under AUSTRAC regulation for the first time. The AML/CTF Rules 2025 outline new obligations that may apply to how you operate every single day.

AML/CTF programme. Customer due diligence. Suspicious matter reports. Do those words mean anything to you right now? For most small business owners, the honest answer is no.

That's the problem. The deadline isn't waiting for you to catch up.

Who's affected?

Legal

Some legal services may be affected. Confirm whether your work is a designated service.

Accounting

Some accounting services may bring AML/CTF obligations. Check which services are covered.

Real Estate

Some real estate services may be affected from 1 July 2026. Check the official scope.

Trust & Company Services

Trust and company service providers may be affected depending on the services offered.

Find out where you stand

Here's what it does. 15 questions about how your business works right now. About 10 minutes. You get a readiness score and your top 3 things to work on first.

No jargon. No fine print. Plain-English questions. Straight answers.

An indicative tool to help you prepare — not a compliance assessment.

  • Free
  • No account required
  • Your data stays in your browser

How it works

  1. 1

    Answer 15 questions

    Your business. Your clients. Your controls.

  2. 2

    Get your score

    A 0 to 100 readiness score with transparent assumptions.

  3. 3

    See your priorities

    The 3 things to work on first. Before the deadline hits.

What this tool is based on

Uses selected public AUSTRAC guidance

Questions and scoring assumptions reference selected public guidance and the AML/CTF Rules 2025.

Open, transparent scoring

Every score traces back to your answers. No black boxes. You can see exactly how your result was calculated.

Documented assumptions

Questions and weights are mapped to selected public AUSTRAC guidance and documented scoring assumptions.

This tool is not endorsed, approved, or affiliated with AUSTRAC.

Ready to go deeper?

Your initial score tells you the basics. Good start. But here's the thing. Basics only get you so far.

Want to go further? There's a detailed review covering 18 risk indicators across your business. Client types. Transaction patterns. Delivery channels. You rate each one yourself with clear prompts.

Walk through each risk indicator at your own pace. Pick the rating that fits your situation. Done.

Finished? Download a preparation report to share with an adviser as a starting point or keep with your notes.

Totally optional. Your initial score stands on its own. The detailed review is there if you want it.

Common questions

Is this really free?
Yes. No credit card, no account, no catch. This is a free educational tool to help you prepare.
What happens to my data?
Your data stays in your browser. We don't collect, store, or sell your answers.
Is this an official AUSTRAC tool?
No. This tool is not endorsed, approved, or affiliated with AUSTRAC. This is an independent educational resource.
Can I rely on the results?
The results are indicative only. They may help you understand where to focus, but you should always get professional advice. See our disclaimer for full details.

The deadline is July 2026. Ten minutes from now, you could know where you stand.

Free. No account required. No catches. Just answers.

Start Your Assessment

Important information

Tranche 2 Scope: This assessment covers AML/CTF obligations for professional services under AUSTRAC's Tranche 2 reforms, effective July 2026. Requirements may vary based on your specific activities and client base.

If you're unsure whether your business provides designated services under the AML/CTF Act, confirm your scope using AUSTRAC guidance or seek professional advice before making compliance decisions.

An indicative tool to help you prepare — not a compliance assessment.

This tool is not endorsed, approved, or affiliated with AUSTRAC.