AML/CTF compliance

Nobody volunteers to do AML compliance.
We do it for them.

ARCaml combines compliance technology with a specialist team who perform the actual CDD work on behalf of reporting entities across Australia. Your AMLCO remains responsible. We make sure they have everything they need to discharge that responsibility - without it consuming your business.

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Supporting reporting entities across financial services, remittance and professional services.

Why due diligence gets expensive

The obligation is not optional. The way most firms meet it is what costs them.

  • Revenue waits on onboarding

    Billable work cannot start until due diligence is complete.

  • The work is not billable

    Checks, chasing documents and assembling evidence consume staff time that cannot be charged.

  • It pulls in senior people

    Partners and senior staff end up doing execution rather than exercising judgement.

  • Evidence ends up scattered

    Records spread across inboxes, shared drives and separate systems, then have to be reassembled on request.

  • Manual process does not scale

    Volume growth means proportional headcount growth.

  • The obligation continues

    Ongoing reviews and seven-year retention outlast the onboarding that created them.

  • Advice is expensive and hard to find

    Small to mid market firms do not have in-house compliance expertise, and paying for external advice on what good looks like adds significant cost.

Compliance stays essential. The execution is what becomes heavy.

How ARCaml works

One environment covering risk design, execution, review and retention.

  1. Screen on risk

    Pre-risk questions scoped to the services you provide and the clients you take on.

  2. Run the checks

    Identity verification, beneficial ownership, PEP and sanctions screening, and enhanced due diligence where the risk calls for it.

  3. Keep the record

    Risk inputs, evidence, documents and reports held together as one file per customer.

  4. Cover the lifecycle

    Onboarding through ongoing review to seven-year retention.

What your client sees

A secure link and a step-by-step form. No account to create, no app to install. Analysts do the checking; the finished report lands in your portal.

Where responsibility sits

Co-sourced, not outsourced. This distinction is the product.

  • Your program, your risk appetite, your decisions

    ARCaml executes on instruction. It does not decide whether to accept a client.

  • Regulatory responsibility does not transfer

    The obligation remains with the reporting entity. Any vendor claiming otherwise is misreading the Act.

  • Built around how the regime actually works

    Risk-based and service-specific, following AUSTRAC guidance rather than a generic KYC template.

  • Defensible without reconstruction

    When someone asks what you did and why, the file already answers it.

What changes

  • Billable work starts sooner
  • Less internal time spent on execution
  • Complex and high-risk matters handled predictably
  • Senior staff on oversight rather than admin
  • Room to take on more without adding compliance headcount
  • Guidance and materials available without engaging external consultants

The expertise small and mid market firms need but rarely have

Most reporting entities outside the major institutions do not have in-house AML compliance expertise. ARCaml provides the technology, the team and the guidance - so you are not navigating this alone or paying consultant rates every time a question arises.

  • Practical guidance written for practitioners
  • Opinions on complex situations
  • Materials and templates
Browse the compliance hub

Not sure where your program stands?

Whether you are newly in scope or have been reporting for years, we can walk through your obligations and where ARCaml fits. No obligation.

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Customer due diligence and ongoing monitoring. Read how it works.