AML compliance for real estate agents — built for property settlement volume
Tranche identifies beneficial ownership in corporate buyers, trains your entire team on AML/CTF obligations, and generates your compliant program documentation — so your agency can maintain AUSTRAC compliance without slowing down your sales pipeline.
What the Tranche 2 reforms mean for real estate agencies
Australian real estate agents are among the highest-risk sectors for money laundering through property. AUSTRAC has made agencies a priority Tranche 2 sector — and the obligations reach every agent in your office, not just the principal.
Identifying beneficial ownership in corporate buyers
When a company, trust, or SMSF purchases property, you must identify and verify the ultimate beneficial owners — the real humans behind the structure. Corporate buyer due diligence is significantly more complex than individual KYC, and failure to look through the structure is a breach of your AML/CTF obligations regardless of what the buyer discloses.
Managing compliance across high-value transactions
High-value residential and commercial transactions carry a mandatory elevated service risk rating under AUSTRAC guidance. For agencies handling sales above AUD $500,000 — which is most of the market — your AML/CTF program must document Enhanced Due Diligence procedures, and those procedures must actually be performed and evidenced on every qualifying sale.
Training all agents in a busy office
Every staff member involved in a real estate transaction must receive AML/CTF training annually. For a principal with 8 sales agents and 4 property managers, that is 12 training records to maintain, evidence, and produce on demand. Most agencies have no system for this — and AUSTRAC audits specifically look for training register completeness.
Agency-scale compliance, without the administrative overhead
AML/CTF Program Manual configured for real estate
The five-step wizard generates a Part A and Part B program document tailored to your agency — property types, transaction volumes, corporate buyer exposure, interstate or international purchasers, and whether you manage property as well as sell it. EDD procedures are automatically included when your agency handles corporate buyers or high-value transactions. Every clause references the AML/CTF Act and current AUSTRAC guidance, with a traceable provenance panel.
Source of wealth and identity verification per transaction
For each sale, send a client verification invite by SMS. Buyers complete identity verification via Stripe Identity's hosted flow — document upload and liveness check — and your agents see real-time status in the client dashboard. Where source of wealth documentation is required, upload the bank statement and Tranche runs forensic analysis: mathematical tie-out, lump-sum detection, and PDF metadata audit. Every output is filed against the transaction reference.
Team-wide training register for every agent
Record annual AML/CTF training events against each staff member — sales agents, property managers, and administrative staff. The training register stores the date, topic, duration, and attendees for each session, and flags when individuals are approaching their next annual training requirement. The compliance calendar surfaces upcoming obligations so training never lapses between busy listing periods.
Every obligation covered, for every agent in your office
Real estate agencies face compliance obligations at both the agency level (program documentation, training register, annual review) and the transaction level (KYC, source of wealth, beneficial ownership). Tranche manages both without requiring separate workflows for each.
- Part A AML/CTF Program — oversight structure, employee due diligence, training obligations
- Part B AML/CTF Program — customer identification, EDD for corporate buyers, ongoing monitoring
- Beneficial ownership documentation for company, trust, and SMSF purchasers
- Source of wealth analysis on bank statements — mathematical tie-out, lump-sum flagging, metadata audit
- Client identity verification via Stripe Identity — SMS invite, real-time status dashboard
- High-value transaction EDD procedures automatically included for sales above AUD $500,000
- Team-wide training register — per-agent annual training event records with attested completion
- Suspicious matter decision log — draft to submitted, immutable on submission
- Annual program review cycle with diff summary and next review scheduling
- Compliance calendar with automated reminders — training due dates, KYC refresh, program reviews
- 7-year data retention with immutable audit snapshots and full compliance artefact ZIP export
Built for real estate agents who need audit-ready compliance without a full-time compliance team
Real estate principals are running agencies on tight margins, not compliance departments. Tranche is structured for how agencies actually operate — transaction by transaction, agent by agent. The principal configures the program once; every agent in the office works within it. Transaction-level KYC and SoW checks are queued per listing and tracked against the sale reference. Nothing falls through the cracks between exchange and settlement.
AUSTRAC enforcement in real estate will focus on agencies that cannot produce documentation — not just those that failed to perform checks. Tranche ensures that every check performed is documented, timestamped, and exportable on 24 hours notice.
Guides for Australian real estate agents
Start your free 14-day trial — get your agency compliant today
Generate your agency's AML/CTF program, record your first training session, and run a source of wealth check — all in your first week. No credit card required. Founding member pricing is available for agencies that register now.
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