ARCaml
AUSTRAC requires a demonstrated compliance capability. Not just software.
Most vendors give you software and leave you to build the rest. ARCaml is different.
Software alone does not constitute a compliance capability. It gives you a tool. The policies, the procedures, the expert judgement, the record keeping and the ongoing monitoring still have to come from somewhere. For most firms that somewhere is their own already stretched staff.
ARCaml is built around this reality.
What ARCaml provides
A complete AML/CTF compliance capability for reporting entities under Australia's regime. Not a tool to configure. Not a checklist to work through. A capability, ready to deploy.
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Technology to execute CDD
Identity verification, beneficial ownership, PEP and sanctions screening and ECDD where the risk requires it.
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A specialist team who do the actual work
Our analysts read the deeds, determine the UBOs, make the compliance calls and deliver the finished file to your portal.
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Policies and procedures framework
The documented program structure your AMLCO needs to demonstrate a compliant capability to AUSTRAC.
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Record keeping and audit trail
Every risk input, piece of evidence and decision held together as one defensible file per customer.
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Guidance and materials to support your AMLCO
Practical guidance written by people who work in the regime every day.
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Ongoing monitoring through the client lifecycle
From onboarding through periodic review to seven-year retention.
That is a compliance capability. Built for the way AUSTRAC expects it to work.
Who ARCaml supports
ARCaml supports reporting entities across all designated services under Australia's AML/CTF regime - from professional services firms newly in scope to financial services, remittance and other long-established reporting entities.
How ARCaml works
One environment covering risk design, execution, review and retention.
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Screen on risk
Pre-risk questions scoped to the services you provide and the clients you take on.
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Run the checks
Identity verification, beneficial ownership, PEP and sanctions screening, and enhanced due diligence where the risk calls for it.
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Keep the record
Risk inputs, evidence, documents and reports held together as one file per customer.
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Cover the lifecycle
Onboarding through ongoing review to seven-year retention.
Where responsibility sits
Co-sourced, not outsourced. This distinction is the product.
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Your program, your risk appetite, your decisions
ARCaml executes on instruction. It does not decide whether to accept a client.
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Regulatory responsibility does not transfer
The obligation remains with the reporting entity. Any vendor claiming otherwise is misreading the Act.
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Built around how the regime actually works
Risk-based and service-specific, following AUSTRAC guidance rather than a generic KYC template.
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Defensible without reconstruction
When someone asks what you did and why, the file already answers it.
Questions we get asked
Does using ARCaml transfer our AML/CTF obligations?
No. The obligation stays with the reporting entity. ARCaml executes checks on your instruction and keeps the evidence; it does not decide whether you accept a client, and no vendor can take on your obligation for you.
My obligations have already started - where do I begin?
Start with your risk assessment and your program, then get customer due diligence running on new onboardings while you work back through the existing book. ARCaml can take the execution from day one, so your AMLCO is deciding and documenting rather than doing the checks.
What is the difference between ARCaml and compliance software?
Most compliance software gives you a system to record and manage your CDD process. You still have to do the work. ARCaml provides the software and the specialist team who perform the actual CDD execution. You get the finished file. That is the difference.
How long do records need to be kept?
Most records must be retained for 7 years. ARCaml holds them for that period so the file does not need reassembling later.
What does our client have to do?
A secure link and a step-by-step form. No account to create, no app to install. Analysts do the checking; the finished report lands in your portal.
How is it priced?
In credits, bought upfront and consumed per check. One credit covers the full diligence on one entity. There is no retainer and no per-seat licence.