Risk-Appropriate Screening
Pre-risk screening questions tailored to your business services and client types - not one-size-fits-all checklists.
ARCaml
Co-Sourced AML & CDD for Reporting Entities
ARCaml is a co-sourced AML and Customer Due Diligence platform for Australian designated service providers. Managed CDD/ECDD execution, screening, and a secure system of record - aligned to AUSTRAC expectations.
What is ARCaml?
ARCaml is a co-sourced AML and 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.
It combines a secure AML system of record with risk-appropriate screening and managed CDD/ECDD execution - while regulatory responsibility remains with you, the service provider. Your AML program, your risk appetite, your decisions; ARCaml handles the operational heavy lifting.
Three apps make it work: a self-serve onboarding app to sign up and activate in hours, a portal where all your records, requests, and reports live, and a client verification app your customers use via a simple secure link - no installs, analyst-checked, with reports delivered straight to your portal.
From 1 July 2026, Tranche 2 brings accountants, lawyers, conveyancers, real estate professionals and dealers in precious metals and stones into the AML/CTF regime. ARCaml gets the execution - identity verification, CDD checks, beneficial ownership research, sanctions screening, and structured compliance records - off your desk, so your compliance officer can focus on oversight and decisions.
What ARCaml Does
Managed CDD/ECDD Execution
Checks, analysis, and evidence assembled by analysts into structured, review-ready outputs.
Secure System of Record
All risk inputs, evidence, documents, and CDD reports held in one place - no reconstruction when AUSTRAC reviews.
Full Lifecycle Coverage
From onboarding through ongoing reviews and trigger events to 7-year record retention.
Pay-As-You-Go Credits
Predictable per-check pricing with no retainers. Top up anytime from your portal.
Client-Friendly Verification
Your clients verify via a simple secure link - no app installs, step-by-step workflow, analyst-checked.
Frequently asked questions
Is ARCaml outsourcing my AML obligations?
No. ARCaml is co-sourced, not outsourced. Execution support is provided on your instruction - decision-making, risk appetite, and regulatory responsibility remain with you as the designated service provider. AUSTRAC obligations cannot be transferred to a third party.
Who is ARCaml for?
Australian designated service providers captured by the AML/CTF regime - including Tranche 2 entities such as accountants, lawyers, conveyancers, real estate professionals, and dealers in precious metals and stones - as well as existing reporting entities.
How does pricing work?
ARCaml uses pay-as-you-go credits rather than retainers or subscriptions. You purchase credits and spend them per verification or check. See the credits page for current pricing, or use the compliance cost calculator to estimate your annual spend.
How quickly can my firm get started?
Sign-up is self-serve with no sales call required. You sign the agreement online, purchase credits, and get portal access immediately - most firms are live in hours, not weeks.
What does my client see?
Your client receives a simple secure link and completes a step-by-step verification workflow - biometric check, liveness check, and identity documents. No app install is needed, and ARCaml analysts perform the checking. The completed report lands in your portal.
Does ARCaml help with AUSTRAC enrolment and programme setup?
Yes. The onboarding flow includes AUSTRAC readiness forms, and the platform gives you the structured records - risk screening, CDD evidence, and reports - that a compliant AML/CTF program requires.
Get AML Execution Off Your Desk
Self-serve sign-up, pay-as-you-go credits, and analyst-executed CDD - live in hours, not weeks.