# AML Risk Assessment Tool

> Free educational tool for Australian small businesses reviewing AML/CTF Tranche 2 obligations from 1 July 2026.

## What This Tool Does

- Provides a guided assessment with up to 15 questions to help users understand their AML/CTF compliance readiness
- Generates an indicative protection score (0–100) based on self-reported answers
- Identifies top 3 priority actions for improving AML/CTF preparedness
- Covers five AUSTRAC risk categories: Customer Due Diligence, Transaction Monitoring, Record Keeping, Reporting Obligations, and AML/CTF Programs

## What This Tool Does NOT Do

- Does not provide legal, financial, tax, or compliance advice
- Does not guarantee or certify compliance with any law or regulation
- Does not create a professional or contractual relationship
- Does not replace advice from a qualified AML/CTF compliance professional
- Does not store data on servers by default — assessment data stays in the browser

## Scope & Limitations

- Designed for Australian professional services: legal, accounting, real estate, financial services
- Scoring is indicative only, based on publicly available AUSTRAC guidance and the AML/CTF Rules 2025
- Results are educational and should be used as a starting point, not a definitive compliance assessment
- The tool uses the word "may" and "consider" deliberately — nothing here constitutes a requirement

## Regulatory Context

- Tranche 2 of Australia's Anti-Money Laundering and Counter-Terrorism Financing Act 2006 extends AML/CTF obligations to designated non-financial businesses and professions (DNFBPs)
- Official guidance: https://www.austrac.gov.au
- Relevant legislation: AML/CTF Rules 2025

## Publisher

Digital Content Operations LLC