ARCaml
Faster onboarding without compliance drag
Operational AML for professional service providers across the full customer lifecycle
Trusted by AMP Bank & MyGuarantee for customer onboarding CDD
What is ARCaml?
ARCaml is a co-sourced AML & Customer Due Diligence capability designed for designated service providers who need to onboard clients efficiently, meet AUSTRAC expectations, and maintain defensible records across the entire customer relationship lifecycle.
ARCaml combines a secure AML system of record with risk-appropriate screening and managed CDD / ECDD execution, while regulatory responsibility remains with the service provider.
Key Capabilities
The Problem
Why manual compliance doesn't scale.
Delayed Revenue
Cannot perform billable services until onboarding is complete
Resource Intensive
AML execution consumes significant non-billable staff time
Senior Staff Burden
Professionals drawn into manual execution instead of oversight
Fragmented Evidence
Records scattered across systems, files, and inboxes
Scaling Challenges
Manual processes do not scale with growth
Compliance Complexity
Ongoing reviews and 7-year retention difficult to manage
Compliance remains essential, but execution becomes operationally heavy and costly.
What ARCaml Does
A single operational AML environment that supports risk design, execution, review, and record retention.
Risk-appropriate screening
Pre-risk screening questions tailored to business services and client types
Managed CDD/ECDD execution
Checks, analysis, and evidence assembled into structured outputs
System of record
All risk inputs, evidence, documents, and reports in one place
Full lifecycle coverage
From onboarding through ongoing reviews to 7-year retention
How ARCaml is Different
Co-sourced, not outsourced
Execution support provided on instruction - decision-making and responsibility remain with you
Designed for regulatory practice
Risk-based, service-specific, aligned to AUSTRAC expectations
All in one secure place
No reconstruction of files, decisions, or history when reviewed
Lifecycle-aware
Built for the full customer relationship, not just onboarding
Three Apps. One System.
Sign up. Run checks. Get your client onboarded. All without lifting the phone.
Sign Up & Activate
C1 Onboarding App
- + Self-serve, no sales call
- + Sign Agreement online
- + Pay-as-you-go credits
- + AUSTRAC readiness forms
- + Portal access immediately
Your Working Environment
C1 Portal App
- + All records in one place
- + Request new verifications
- + View Account & usage
- + Top up credits anytime
- + CDD reports & audit trail
Your Client's Experience
C2 Verification App
- + Simple secure link
- + Step-by-step workflow
- + No app to install
- + Analysts do the checking
- + Report to your portal
Predictable cost
Credits, not retainers
Minimal setup
Live in hours, not weeks
Faster to billable work
CDD off your desk
Professional client UX
Seamless, link-based flow
Commercial Outcomes
AML becomes structured, predictable, and operationally efficient
- ✓Faster time to billable services
- ✓Reduced internal AML execution workload
- ✓Predictable handling of complex/high-risk matters
- ✓Senior staff focused on judgment and oversight
- ✓Confidence as services and obligations expand
Control & Accountability
Your AML program
Your risk appetite
Your decisions
ARCaml supports risk design, execution, and evidence. Regulatory responsibility remains with the designated service provider.
Why Now
Two deadlines. One decision.
1 July 2026
Mandatory Compliance Date
- - Tranche 2 reforms take effect
- - 46,000 firms newly designated
- - Penalties up to $22.2M
- - AUSTRAC enforcement begins
30 June 2026
Financial Year End
- - FY26 tax deductible
- - Lock in Opening Bonanza pricing
- - Be ready on day one
- - Avoid the Q3 rush
Buy your credits before 30 June - satisfy your compliance obligation, claim the tax deduction, and start July 1st ready.
Credit Packages
Buy credits upfront - use them as you go. Credits are consumed per check performed.
Starter
$2,000
40
Credits
$50.00/credit
Growth
$5,000
120
Credits
$41.67/credit
17% offEnterprise
$25,000
700
Credits
$35.71/credit
29% offOpening Bonanza
$50,000
1,667
Credits
$30.00/credit
40% offKey to our Jargons
Customer - your client. The person or organisation you're providing a designated service to. One customer triggers your AUSTRAC CDD obligation.
Entity - a single legal or natural person inside that customer's structure. An individual, a company, a trust, a director, a beneficial owner - each one is its own entity.
Checks - the full diligence on one entity: Each required ID verification, Trust Deed Review, Constitution Review, Beneficial Ownership unwrap, PEP and sanctions screening per Required ID.
Credit - the unit of pricing. One credit = one check on one entity.
One customer can need many entities checked. One check = one entity. One credit = one check.
Build My Plan
How many entities do you check? Select below and see your cost in seconds.
Refer & Earn
Accountants know accountants. Lawyers know lawyers. Put your network to work.
You refer a firm
Introduce another firm to ARCaml through your network.
They purchase credits
The referred firm buys any credit package.
You earn 20%
20% of their package value credited to your account.
Referral credits applied automatically. No forms, no waiting.
AML/CTF Compliance Resources
Everything you need to know about Tranche 2 reforms and AUSTRAC compliance for Australian businesses
Getting Started
Essential compliance fundamentals
Industry Guides
Sector-specific compliance guidance
Key Compliance Topics
Deep dives into AML/CTF requirements
Definitions & Glossary
Key terms explained
Ready to Simplify Your AML Compliance?
Whether you're an existing reporting entity or preparing for Tranche 2, get compliant before 1 July 2026.
