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59 0 8
79 3 8
60 0 4
73 87 0
Foreword by the CEO
30 5 0
0
68
6
7
Regulatory Guide roadmap
75 7 0
86 6 0
Contents
17 55 4
4
96 4
Readers aid
95 2 4
05 7 4
Getting started with AUSTRAC
34 2 9
8
2
0 89
Glossary
87 4 9
72 0 1 Introduction to the Australian AML/CTF context
58 0 1
68 0 1
Introduction to AML/CTF programs
0
74
9
00
60 4 9
AML/CTF programs: Part A general
50 4 4
4 7
programs: Part B customer identification
50 AML/CTF
40 49 4
AML/CTF compliance reporting
24 6
74 99 4
Correspondent banking
1 8
24
41 8
89
The Financial Transaction Reports Act 1988
8 19 9
9 4
49 9
Appendices
01 4 5
01 7 3
01 46 8
09 4 4
09 8 9
44 8 9
47 9 4
44 4 6
46 53 7
94
88 4
84 8
99
9 8
44 3

AUSTRAC
Regulatory
Guide

56
37
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6

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 Commonwealth of Australia 2007

This work is copyright. You may download, display, print and reproduce this material in unaltered form
only (retaining this notice) for your personal, non-commercial use or use within your organisation.
Apart from any use as permitted under the Copyright Act 1968, all other rights are reserved. Requests
and enquiries concerning reproduction and rights should be addressed to Commonwealth Copyright
Administration, Attorney-Generals Department, Robert Garran Offices, National Circuit, Barton ACT 2600
or posted at www.ag.gov.au/cca.
Questions or comments on the AUSTRAC Regulatory Guide may be referred to AUSTRAC
at arg@austrac.gov.au.

Acknowledgement: The valuable contribution of reporting entities and AUSTRACs partner agencies
in producing this document is acknowledged.
Disclaimer: The information contained in this document is intended to provide only a summary and
general overview on these matters. It is not intended to be comprehensive. It does not constitute nor
should it be treated as legal advice or opinions. The Commonwealth accepts no liability for any loss
suffered as a result of reliance on this publication. AUSTRAC recommends that independent professional
advice be sought. The information contained herein is current as at the date of this document.

84
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03
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78

AUSTRAC Regulatory Guide roadmap

Applies to: All reporting entities

Applies to: All reporting entities

Applies to: A
 ll reporting entities
except some AFSL holders

Applies to: All reporting entities

Applies to: All reporting entities

Applies to: F
 inancial Institutions with
correspondent banking
relationships

Applies to: C
 ash dealers

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What are the requirements for Part B of an AML/CTF program?

3

45

What are the risk indicators of an inadequate AML/CTF program - Part B?

60

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388476 4994835 4988464749911199 94444000004882 72455676578030991876376758500491752786700509958764822227 777 11110000006 94751

Contents

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4 Introduction
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7 73Regulatory
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92 4 8
4 84
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4 3 for customer identification under the FTR Act?
1
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94 8 56
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4
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9 9requirements
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4 8 5 9 8
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4 8.
0 Appendices
93
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84 6 4
4
08 40
8notes
4
8
A. AUSTRAC
guidance
and Public Legal Interpretations
9
7
4
4
4
7 6
9
8
0
4
4
9 6 Principles
4 4 4 B.7ML/TF4Risk
0 9 9 8Framework
4 93
4
54 8 4
9
4
C. International0 AML/CTF
organisations and initiatives
39
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4 4 6 4
8 8
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D. Historical
in Australias AML/CTF environment
9 developments
49 3 8
6 94 7 6
3
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9
4
4
E.
Policy
(Civil
Penalty
Orders)
Principles 2006
4
7
7
99
4
5
8
4
9
9 4 policy
4
F. AUSTRAC
summaries
3
98 89 8 8
64
G. The Australian
legal and administrative roles
77
4 8 4 9 Governments
3 8
44
3
9
7
H.
FATF
recommendations
3 99
8
4
86
4 9 Assessment Questionnaire
I.
AUSTRAC
Self
6
3
64
J. Sample customer
identification procedure form - individuals
77
44
K. AUSTRAC guidelines
8
86
L. AUSTRAC information
circulars
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AUSTRAC Help Desk | E: help_desk@austrac.gov.au | T: 1300 021 037



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AUSTRAC Help Desk | E: help_desk@austrac.gov.au | T: 1300 021 037



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7 73Regulatory
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8 44 3AUSTRAC
7
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has researched comparable international AML/CTF
8
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1
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98 8 4
4 8 5 6 including
8 8 9 the 9
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US Federal Financial Institutions Examinations Councils Bank
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49 92 4 84 8
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4 3Act/Anti-Money
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4 Secrecy
0 9 84
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AUSTRAC Help Desk | E: help_desk@austrac.gov.au | T: 1300 021 037



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Getting started with AUSTRAC

AUSTRAC Help Desk | E: help_desk@austrac.gov.au | T: 1300 021 037



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AUSTRAC Help Desk | E: help_desk@austrac.gov.au | T: 1300 021 037

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AUSTRAC Help Desk | E: help_desk@austrac.gov.au | T: 1300 021 037

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