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Australia · AML/CTF operations

Australian AML workflow software for AML/CTF operations.

Swootle gives Australian regulated businesses configurable AML workflow software for customer questions, document requests, risk routes, human review, approval and reusable refresh workflows.

  • Start from an Australian workflow
  • Configure before payment
  • Keep human review in control

Evidence boundary: Whether an Australian business is regulated depends on the designated services it provides and its circumstances—not its profession alone. Confirm scope with AUSTRAC or qualified advice.

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Move beyond enrolment into repeatable AML/CTF operations.

Run customer files through a controlled process, document exceptions and decisions, review how the controls perform, and update the workflow as risks, services and AUSTRAC guidance change.

Useful regional resources

Make the program visible in the work staff complete every day.

A policy does not collect a beneficial owner’s evidence, chase a missing document or show a reviewer why a higher-risk customer was approved. Swootle turns those operating steps into a reusable flow.

Confirm the service context

Capture the customer, matter, transaction and designated-service context before applying the firm’s configured due-diligence path.

  • Service and nexus questions
  • Customer and entity type
  • Risk-relevant delivery context

Apply risk-sensitive CDD

Request identity, ownership and supporting evidence according to the customer and risk, with an explicit path for enhanced due diligence.

  • KYC and KYB evidence
  • Beneficial owners and controllers
  • Source-of-funds or wealth requests

Evidence the response

Keep the information collected, configured route, reviewer actions and decision rationale together in the workflow record.

  • Named review stages
  • Escalation and approval
  • Refresh and follow-up context

Replace the improvised process—not professional judgement.

Swootle gives staff one operating path while leaving scope, risk appetite, reporting decisions and legal judgement with the firm.

Disconnected process

  • The intake form is separate from email follow-up and stored documents.
  • Risk decisions and partner approvals live in messages or conversations.
  • Staff manually remember which customers need updated information.
  • Preparing a file review means reconstructing what happened across systems.

Controlled with Swootle

  • Questions, documents and missing-information loops stay in one flow.
  • Exceptions route to the responsible reviewer with the context attached.
  • Refresh workflows revisit KYC information and customer risk when required.
  • Submissions, actions, decisions and rationale remain connected to the configured record.

Core capabilities

Adaptive onboarding

Ask different questions for individuals, companies, trusts, matters and transactions.

Ownership evidence

Collect entity, beneficial-owner and controller information through structured paths.

Risk and EDD

Apply configured risk inputs and request additional evidence where the operating model requires it.

Human approval

Send exceptions and higher-risk cases to the compliance officer, partner or other nominated reviewer.

Ongoing CDD

Start periodic or event-led refresh workflows without discarding the earlier record and decision.

Decision context

Retain customer submissions, reviewer activity and decision context together; confirm retention and export scope for your deployment.

Workflow process

01 · Configure

Map the operating rule

Start with the customer, service, risk and jurisdiction. Configure the questions, evidence, branches and checks that should apply.

02 · Collect

Guide the customer

Invite the customer into a structured portal that requests the relevant information and documents without exposing internal risk logic.

03 · Review

Route exceptions to people

Surface missing evidence, returned screening context and higher-risk factors to the reviewer responsible for the next decision.

04 · Retain

Keep the decision connected

Preserve submissions, reviewer actions, approval and rationale with the record, then start a refresh workflow when circumstances change.

Who this supports

Law firms

Connect client and matter intake, entities, ownership, funding evidence and partner review.

Accounting practices

Handle client groups, companies, trusts, partnerships, controllers and service-specific evidence.

Real estate

Guide buyers, sellers and entities through transaction context, ownership and funding evidence.

Conveyancers

Coordinate matter-linked parties, documents, risk review and file-opening decisions.

Trust and company services

Make layered entities, controllers, source evidence, approval and later refresh visible.

Precious goods dealers

Connect customer, transaction and repeat-customer review steps without relying on a static checklist.

Starting templates

Individual customer CDD

Identity, purpose, risk inputs, evidence and review.

Company and UBO review

Entity details, ownership, controllers and supporting evidence.

Enhanced due diligence

Additional questions, source evidence, escalation and approval.

Customer refresh

Updated information, changed risk and a new retained decision.

Built around Australian operations, configured to your program.

AUSTRAC publishes the authoritative guidance. Swootle provides the configurable workflow used to implement the customer and staff actions your firm has determined are appropriate.

Scope first

Confirm whether the services and Australian nexus tests apply before treating an industry label as the answer.

Program into process

Translate the risk assessment and policies into questions, evidence, review, reporting pathways and records.

Test and improve

Run files through the process, review exceptions and refine the controls as experience and guidance develop.

A controlled workflow with clear responsibility boundaries.

Swootle supports the operation of your AML/CTF program. Your business remains responsible for scope, program design, risk settings, reporting and professional advice.

  • Customers receive a guided portal; internal risk notes and decisions remain with the review team.
  • External providers perform applicable verification and screening checks; Swootle orchestrates the surrounding workflow.
  • Higher-risk outcomes remain subject to human judgement, review and approval.
  • Published security and privacy information is available for buyer due diligence.

Primary sources, visibly separated from product claims.

Material regulatory statements are grounded in the official sources below. Requirements can change; confirm the latest source and obtain advice for your circumstances.

Regional workflow FAQs

Does Swootle determine whether our firm is regulated?

No. Scope depends on the services and circumstances. Use current AUSTRAC guidance and qualified advice. Swootle helps operate the workflow after your firm has determined the appropriate scope and controls.

Can we configure a workflow before paying?

Yes. The Starter workspace has no monthly subscription. You can configure a workflow before adding a payment method for live individual or business checks. Confirm screening availability and commercial terms for your proposed deployment separately.

Does automation make the customer decision?

No. Configured rules can route information and exceptions, but higher-risk or uncertain cases can remain subject to human review, approval and recorded rationale.

Can the workflow cover ongoing CDD?

Swootle can support periodic or event-led refresh workflows that revisit customer information, evidence and risk. The timing and measures must be configured to your program.

Build the workflow behind your AML/CTF program.

Configure a ready-made Australian flow before payment, then confirm any provider-dependent checks and integrations when your team is ready to operate it.