AML/CTF software for real estate agents
Verify vendors, purchasers and beneficial owners, assess property transaction risk, manage screening and retain review-ready AML/CTF records for Australian agencies.
Five situations, in plain words
Illustrations of questions real estate professionals meet. Not customers, and not a decision for your file.
Listing a home can be covered. Open the file when you take the vendor on.
The buyer is a customer too. Check them before you treat the sale as done.
A buyer using a company needs the people behind the company, not only the company name.
A cash deposit at or above the threshold is a different question from a normal deposit.
An off-the-plan sale can be covered. Do not assume the developer sale is outside the rules.
Work that can be covered
- Acting for vendors in property sales
- Acting for purchasers or buyers
- Off-the-plan developer sales where captured
- Property transfers and related transaction assistance
- Handling relevant client money or property
What to keep on the file
- Property and transaction identifiers
- Vendor, purchaser and beneficial-owner checks
- PEP, sanctions and adverse-media decisions
- Source-of-funds and higher-risk review records
- Settlement-linked completion and retention evidence
Guides for real estate professionals
- For real estate4 min
Tranche 2 obligations for Australian real estate agencies from 1 July 2026: verifying vendors and purchasers, screening, risk assessment, suspicious matter reporting and the records every agency must keep.
- Buyer and seller CDD5 min
Why Australian real estate brokers have two statutory customers, when each service starts and how to complete proportionate buyer and seller due diligence.
- Delayed CDD and non-cooperation5 min
A practical process for Australian real estate agents using delayed CDD, requesting counterparty information, recording reasonable steps and escalating risk.
- Buyer's agents and developers5 min
How Australian buyer's agents, developers and in-house sales teams identify their real estate designated service, customers, start point and CDD duties.
- Property funds and entity-buyer risk5 min
A risk-based guide for Australian property professionals assessing source of funds, company and trust buyers, beneficial ownership and transaction red flags.
- Real estate checklist3 min
A listing-to-settlement AML/CTF checklist for real estate agents: vendor and purchaser CDD, counterparty deadlines, delayed CDD and reporting.
- Agency monitoring3 min
How real estate agencies monitor relationships between transactions: repeat sellers, off-the-plan projects, buyer's agents and risk-based review triggers.
- Reliance for agencies3 min
How real estate agencies can rely on another entity's completed checks, what the agreement must cover and what the agency still owns.
- Joint owners and representatives3 min
Map each relevant property customer and representative instead of treating the listing contact, authorised signatory and all joint owners as one person.
Questions real estate professionals ask
Are all real estate professionals regulated by AUSTRAC?
No. It depends on whether the business provides a designated service with the required Australian link, not on the professional title. Assess each service and take advice where the boundary is uncertain.
What should real estate professionals keep for an AML/CTF review?
The scope decision, customer and beneficial-owner evidence, the risk assessment, screening and escalation decisions, approvals, reporting records, training and the current AML/CTF program.
Does Cassandra AML replace legal advice?
No. It organises compliance work and evidence. It does not give legal advice, guarantee compliance or imply AUSTRAC endorsement.