From 1 July 2026, Australia’s AML/CTF regime will expand to include a new group of regulated services, commonly referred to as Tranche 2 entities.
These reforms introduce mandatory customer due diligence, identity verification, risk assessment, and ongoing monitoring obligations for a range of professions that have not previously been directly regulated under AML/CTF laws.
Ratified was designed specifically to support these industries — providing a practical, Australian-built compliance platform that fits real workflows, real transactions, and real client relationships.
AML/CTF obligations will apply to certain services typically provided by the following professions:
01
Built for property transactions and client-facing workflows
02
Compliance that fits advisory and transactional services
03
Matter-based verification with regulatory confidence
04
Efficient verification for settlement-driven environments
05
Designed for high-value and threshold-based transactions
06
Clarity in complex ownership structures
Each of these sectors faces different transaction types, risk profiles, and operational realities. Ratified adapts to those differences so compliance enhances your business rather than disrupts it.
While Tranche 2 affects a diverse range of professions, the underlying compliance challenges are the same:
Identifying clients correctly
Understanding ownership and control
Managing risk
Maintaining audit-ready records
Avoiding duplication and inefficiency
Whether you’re building AML/CTF capability for the first time or upgrading existing processes, Ratified helps you transition smoothly and stay compliant over time.
