AML/CTF designated services mapped to real jobs
AML/CTF designated services are easier to see from the job. This page is the job map. The Act overview is a different page.
Quick answer
AML/CTF designated services are easier to see from the job than from the Act. This page maps common jobs to the item they usually hit. It is a job map. The plain-English Act overview is a different page.
People search “aml ctf designated services” with a role in mind: conveyancer, agent, accountant, bookkeeper. The Act does not list those roles. It lists services. This page starts from the work. If you wanted the statutory idea first — tables, the reporting-entity trigger, Tranche 2 — read AML/CTF Act designated services in plain English. That page is the Act overview. This one is not. Checked against professional designated services and real estate designated services on 2 October 2026. This is general information, not legal advice. This page does not reproduce those pages. The sector map is /tranche-2.
Start from the job, then name the item
A job map, not the statutory text. A row is a usual reading. Confirm it on AUSTRAC before you treat the file as in. This table does not reproduce the Act.
| Job on the file | The question | Usual item |
|---|---|---|
| Conveyancer or property lawyer assisting a transfer | Are we helping this transfer move, rather than only explaining it? | Professional service in table 6. The customer is the person you assist. The file workflow is AML for conveyancers assisting a transfer. |
| Real estate agent brokering a sale | Are we brokering the sale, not only appraising or advertising? | A real estate designated service. Seller and buyer are often both customers. Who you check is AML for real estate agents. |
| Accountant forming a company, or helping sell the entity | Are we assisting that transaction, not only introducing someone else? | Often a professional service. The practice cut is AML for accountants: designated services. |
| Accountant lodging a tax return, or a bookkeeper keeping the books | Is this ordinary tax or bookkeeping, and nothing else on the file? | Often outside. The neighbouring note is AML for bookkeepers. |
| Solicitor holding money so a deal can complete | Are we holding their property as part of the transaction? | Often a professional service. The day-to-day check is AML checks for lawyers. |
| Lawyer drafting only a will | Is there a transfer, an entity sale, or client money in the same matter? | Often outside. Record why you stopped. If the will is wrapped around a deal, read the row for that deal. |
| Firm providing a registered office or a principal place of business | Are we providing that address as a service? | The professional address item. Not every mailbox in the building. |
| Dealer selling precious metal, stones, or jewellery | Does this sale sit on a dealer item, often from a threshold? | A dealer service, not table 6. Read AUSTRAC before you assume a retail sale is in or out. |
The nine professional questions, without the job titles, stay on Table 6 designated services. The order of questions, including the court-order fork, stays on the designated services decision tree. Use those when the row above has two readings. Do not force a job title onto an item to feel finished.
Three ways the map gets misread
- The letterhead. A practice can lodge tax returns all year and still provide a designated service the week it forms a company. Map the file, not the firm.
- The same house, two items. The agent who brokers and the conveyancer who assists the transfer are not on the same row. Do not borrow the other profession's customer.
- The long-standing client. Knowing someone is not an exemption from the service test. Sort the service first. Then decide whether customer due diligence is due.
A yes is when you email the check
If the row is a yes, the firm is likely a reporting entity for that service. Enrolment and the program come next. They are not this map. The identity or entity step is the part with a price. On FreeAML the firm suite is A$0. The firm emails the client a link. Verification is client-pays. On the public list a personal KYC check is A$20 and a company or trust KYB check is A$40. Confirm the live amounts on FreeAML pricing.
Use KYC when the customer is a person. Use KYB when the customer is a company or a trust. Do not send either to justify the software. A will that is outside, or a tax return that is outside, stays outside. FreeAML does not decide the item, does not enrol the firm, and does not replace austrac.gov.au.
📚 Related Resources
Free KYC Check →
Verify customer identity in 60 seconds. Government ID + AML screening.
Free AML Program →
Board-ready AML/CTF Program template. All 10 AUSTRAC sections included.
Risk Assessment Generator →
AI-powered ML/TF risk assessment. 20-page compliant report in 5 minutes.
Free AML Training →
Online courses for staff. CPD-certified certificates included.
AUSTRAC Reporting Tools →
File SMRs, TTRs, IFTIs directly to AUSTRAC. Pre-filled forms.
Frequently Asked Questions
The job is in. Email the check.
The firm suite is A$0. The client pays. Use KYC for a person and KYB for a company or trust.
Start an AML checkQuestions: team@freeaml.com.au