About

Built in Australia. Built for the way AUSTRAC actually works.

ARCaml is an Australian AML/CTF compliance capability - built specifically for reporting entities that need to meet their obligations under the AML/CTF Act without building a full in-house compliance function to do it.

We recognised early that the compliance challenge for small to mid market reporting entities is not a technology problem. It is an execution problem. The firms that struggle are not short of software options - they are short of the specialist people who know how to connect with and chase the parties required to provide evidence, read a trust deed, determine a UBO, make a compliance call and deliver a defensible file. We built ARCaml to provide that execution capability alongside the technology that supports it.

ARCaml is not a replacement for your compliance program. It is a part of it. Your AMLCO remains responsible. Your program remains yours. We sit within it - executing the CDD work, providing the guidance your team needs and delivering the record keeping that makes your program defensible when it matters.

What we hold ourselves to

Trust
Reporting entities trust ARCaml to execute accurately within their compliance program. That trust is earned through the quality of the work we deliver, the security of the data we handle and the consistency of the standard we apply.
Security
The data we handle in the course of CDD is sensitive. We treat it accordingly. Our systems, processes and team are built around protecting client data and maintaining the integrity of every file we produce.
Excellence
We are a part of your compliance program. The work we deliver reflects on your firm and on your AMLCO. Excellence is not optional in this context - it is the only acceptable standard.
Partnership
ARCaml works alongside your compliance function, not instead of it. We are a partner in your compliance program - one that brings execution capability, specialist knowledge and practical guidance.

The team behind ARCaml

A small team with deep expertise in compliance, technology and financial services.

  • Justin Amos, CEO

    Justin Amos

    CEO

    Justin is passionate about building teams and solving business problems through pragmatic design solutions. He has over 30 years of experience in financial services and developing and marketing technology services, in both startups and large institutions, globally.

  • Simon Townsend, CIO

    Simon Townsend

    CIO

    Simon is a technology leader distinguished by an unusual breadth and depth of experience. His career, spanning roles as a developer, system architect, consultant, and leader, has seen him engage in some of the most challenging safety- and mission-critical systems across multiple sectors including industrial controls, robotics, autonomous vehicles, military C3I, and, for the past two decades, capital markets.

  • Jason Drane, CTO

    Jason Drane

    CTO

    Jason is an exceptional leader and hands-on engineer with a career spanning over two decades across key financial hubs including London and Sydney. His expertise lies in leading complex technology transformations and integrating cutting-edge solutions in the finance sector.

  • Ashley Heath, Head of Compliance

    Ashley Heath

    Head of Compliance

    Ashley is a compliance professional with over a decade of experience across financial services, including financial crime compliance and fixed income markets. His deep expertise in AML/CTF compliance spans program development, independent evaluation, and advisory - helping organisations navigate complex regulatory obligations with confidence.

  • Rajat Pandey, Head of Frontend Development

    Rajat Pandey

    Head of Frontend Development

    Rajat is a technology leader with extensive experience across fintech, compliance, and enterprise software, including frontend engineering and full-stack architecture. His deep expertise in UI/UX spans design systems, product development, and engineering leadership - helping organisations build intuitive, scalable digital experiences with confidence.

Building for what comes next

AML/CTF compliance in Australia is still evolving. AUSTRAC continues to refine its guidance. The firms that will be best positioned are those that have a genuine compliance capability - not just a compliance tick. ARCaml is committed to staying ahead of that curve.