AML/CTF staff training for Australian businesses.
Role-based training for the businesses AUSTRAC regulates from 1 July 2026: real estate, accounting, legal and conveyancing, and dealers in precious stones and metals. Seven short lessons, a free 20-question test drawn from your role’s own questions, and a certificate of completion with the business named. You pay A$49 only after you pass.
- Pay only if you pass
- Retake the test as often as you like
- No account needed
Try a question from the test
Lesson 3 · Red flags in your sector
A buyer offers to pay part of the purchase price in cash to the agent. What is this?
Show the answer
Right answer: B, A red flag listed by AUSTRAC for real estate. AUSTRAC lists paying all or part of the price in cash to the real estate agent as a red flag. [S37] Read that part
Four role tracks, because the duty is role-based.
The Rules ask for training that fits the person’s function and risks. Choose your track and the test draws only from its questions.
- All staffFor anyone who works in a regulated business and may meet a client, a payment or a file, but does not run customer checks. 5 lessons, about 29 minutes, 69 questions in its pool.
- Front-line, client-facing staffFor agents, accountants, solicitors, conveyancers, jewellery counter staff and anyone who takes instructions or onboards customers. 6 lessons, about 32 minutes, 111 questions in its pool.
- AML/CTF compliance officerFor the person appointed to oversee day-to-day compliance and make reports to the governing body. 7 lessons, about 35 minutes, 129 questions in its pool.
- Senior managerFor principals, directors and partners who approve the AML/CTF policies and risk assessment. 6 lessons, about 33 minutes, 125 questions in its pool.
Seven lessons, about 35 minutes in all.
Each part answers a question from the working day. Then the test: 20 questions, 16 right (80%) is a pass.
- The training duty, and what it means for youWho must train staff from 1 July 2026, what the rules say word for word, and how your role shapes your training.
- Knowing your customer: due diligenceWhat customer due diligence is, when it must be finished, what “reasonable grounds” means and when to do more.
- Red flags in your sectorThe warning signs AUSTRAC lists for real estate, accounting, legal and conveyancing work and dealers in precious stones and metals.
- Suspicious matter reports and tipping offWhen you must report, how fast, why you must stay quiet, and what to do the moment you have a suspicion.
- Record keeping and cash reportsWhat records to keep and for how long, and when a cash transaction must be reported.
- Your AML/CTF program, officer and senior managersWho does what in the program: compliance officer, senior managers and the governing body, and how their training differs.
- Emerging risks: AI scams and fraudNew scams use AI to copy voices, faces, documents and supplier emails. Learn the patterns that matter in a regulated business, the habits that stop them, and where a suspicion goes.
Inside: 7 lessons, 55 parts, 134 practice questions of our own, each explained, and 169 facts, each linked to its source. See how it maps to the AUSTRAC training duty.
Your sector, your examples.
The same law applies to every newly regulated business, but the warning signs differ. These pages show AUSTRAC’s sector lists.
- Real estateAML/CTF staff training for real estate agents and developers
- AccountantsAML/CTF staff training for accounting practices
- Legal and conveyancingAML/CTF staff training for lawyers and conveyancers
- Dealers in precious stones and metalsAML/CTF staff training for dealers in precious stones and metals
Is AUSTRAC’s own e-learning enough? · Who must be trained? · Training plan and register
Your certificate, as soon as you pass.
Type your name and your business, pay and download it as a PDF. It says you passed the course’s final test. It is not an approval by AUSTRAC and it does not make a business compliant.
Certificate of completion
AML/CTF Staff Training for Australian Businesses
This is to certify that
Sample Name
completed the online course and passed the course’s final test with 18 out of 20 right (pass mark 16, which is 80%).
- Business
- Sample Realty Pty Ltd
- Role track
- Front-line, client-facing staff
- Sector
- Real estate
- Study time
- 34 min
- The training duty, and what it means for you
- Knowing your customer: due diligence
- Red flags in your sector
- Suspicious matter reports and tipping off
- Record keeping and cash reports
- Emerging risks: AI scams and fraud
Role-based AML/CTF staff training, built to the training duty in the Anti-Money Laundering and Counter-Terrorism Financing Act 2006 and the AML/CTF Rules 2025. The business’s own AML/CTF program must still describe its training.
- Date issued
- 2 November 2026
- Issued and signed by
- Aptia Skills · Opus Vault
What your certificate includes
- A PDF certificate of completion with a unique number. Names the person, the business, the role track and the date.
- A training record on page 2. The lessons on the track, reading time, score and a suggested refresher date.
- A QR check code. Your business, a regulator or a client can check it in seconds.
- A purchase receipt. With the price and what you agreed to.
A$49per person · one payment · Australian dollars
You pay only after you pass. By card, Apple Pay or Google Pay. No account, no subscription. Firms: A$199 a year for up to 10 staff, with a training register.
Take the test and get itTraining a team? The firm plan is A$199 a year for up to 10 staff, with a downloadable training register (CSV and PDF) and a training plan template.
The duty, plainly.
We are a private training provider, not a public body. Tap each answer to see its source.
Do newly regulated businesses have to train their staff?Yes. The Act says the AML/CTF policies must deal with training for people who perform AML/CTF functions, and the Rules require initial and ongoing training that fits the person.
- The Act (section 26F(4)(e)) says the AML/CTF policies must deal with "providing training to persons who are employed or otherwise engaged by the reporting entity and who perform, or will perform, functions relevant to the reporting entity’s obligations under this Act in relation to: (i) the risk of money laundering, financing of terrorism and proliferation financing that the reporting entity may reasonably face in providing its designated services; and (ii) the obligations imposed by this Act, the regulations and the AML/CTF Rules on the reporting entity;". [S3]
- The rule on training (AML/CTF Rules 2025, section 5-9(2)): "The AML/CTF policies of the reporting entity must deal with both initial training upon a person’s employment or engagement and ongoing training during a person’s employment or engagement." [S2]
- The rule on how training is tailored (AML/CTF Rules 2025, section 5-9(3)): "The AML/CTF policies of the reporting entity must require that the training provided to a person: (a) is appropriate having regard to: (i) the particular function performed by the person; and (ii) the particular risks of money laundering, financing of terrorism and proliferation financing that are relevant to the person’s function; and (iii) the particular responsibilities of the person under the AML/CTF policies; and (b) is readily understandable by the person." [S2]
When does the duty apply?AUSTRAC says real estate professionals, accountants, lawyers, conveyancers, trust and company service providers and dealers in precious stones and metals are regulated from 1 July 2026.
- AUSTRAC says businesses that provide the newly regulated services "will be regulated by us from 1 July 2026". [S36]
- AUSTRAC names the newly regulated businesses: real estate professionals, dealers in precious stones, metals and products, lawyers, conveyancers, accountants and trust and company service providers (and some virtual asset businesses). [S36]
How often must staff be trained?AUSTRAC sets no single interval. It says frequency depends on the person’s functions and risks, and gives 6 to 12 months for compliance officers and senior management and 12 months for customer-facing staff as examples only.
- AUSTRAC: "The frequency and extent of ongoing training will depend on functions the person performs and the ML/TF risks." [S1]
- AUSTRAC gives examples (not rules) of how often to train: compliance officers and senior management every 6-12 months, customer-facing personnel every 12 months. [S1]
- AUSTRAC says its frequency examples "are examples only, and the frequency you deliver training must be appropriate to your business". [S1]
Are AUSTRAC’s own e-learning modules enough?AUSTRAC says they can be part of your training but cannot be relied on solely, because your training must fit each person’s role.
- AUSTRAC says its own e-learning modules "can be used as part of your AML/CTF training but can’t be relied on solely to meet your training obligations". [S1]
- AUSTRAC on its e-learning page: "The modules do not replace your AML/CTF risk awareness training but can be used as a resource to contribute to fulfilling this requirement." [S4]
Does a course certificate make my business compliant?No. AUSTRAC expects a training plan, a register and records, and your own AML/CTF program must describe your training. A certificate is one record of one person’s training.
- AUSTRAC expects you to "develop a training plan and schedule tailored training to different roles and their relevant ML/TF risks". [S1]
- AUSTRAC expects you to "use a register to record completion dates and track when further training is due". [S1]
- AUSTRAC: "You must keep records that are reasonably necessary to demonstrate compliance with your personnel training obligations." [S1]
- AUSTRAC: you may outsource training, "However, you remain responsible for making sure training is tailored, appropriate and understandable to your personnel." [S1]