SubjectTwo records, worked side by side
Records checked to8 October 2026
AML SoftServe vs AML Guard
There is no universal winner. The question is which kinds of buyer should prefer which. These pages are built from the same source-checked data as every other page on AML Finder.
AML SoftServe
Full AML/CTF platform
- Entry price
- $96.00/mo
- Evidence
- 42%
- Marketed to
- Not established
- Data residency
- mixed
AML Guard
Full AML/CTF platform
- Entry price
- $75.00/mo
- Evidence
- 71%
- Marketed to
- Real estate, Conveyancing, Legal, Accounting
- Data residency
- australia
Choose AML SoftServe when...
- Enhanced due diligence is verified — AML Guard has not established it.
- Biometric liveness and face match is verified — AML Guard has not established it.
- Risk assessed per designated service is verified — AML Guard has not established it.
Choose AML Guard when...
- Beneficial ownership and control is verified — AML SoftServe has not established it.
- Suspicious matter report workflow is verified — AML SoftServe has not established it.
- Tipping-off controls (s123) is verified — AML SoftServe has not established it.
- Immutable audit log is verified — AML SoftServe has not established it.
- Versioned AML program and CDD records is verified — AML SoftServe has not established it.
Where both fit
AML/CTF program creationRisk assessmentStaff trainingCustomer due diligenceKnow-your-business (entity checks)Electronic identity verificationPEP and sanctions screeningAdverse media screeningOngoing customer monitoring
Biggest differences
| Field | AML SoftServe | AML Guard |
|---|---|---|
| Independent evaluation support (s84) | Not established | No |
| Beneficial ownership and control | Not established | Verified |
| Enhanced due diligence | Verified | Not established |
| Biometric liveness and face match | Verified | Not established |
| Suspicious matter report workflow | Not established | Verified |
| AUSTRAC SMR XML export | Not established | No |
| Tipping-off controls (s123) | Not established | Verified |
| Threshold transaction reporting | Not established | Partial |
| Immutable audit log | Not established | Verified |
| Risk assessed per designated service | Verified | Partial |
| Ongoing monitoring triggered by designated service and risk | Not established | Partial |
| Program obligations calendar | Not established | Partial |
| Versioned AML program and CDD records | Partial | Verified |
| Escalation to AMLCO or manager with outcome recorded | Not established | Partial |
Capabilities, section by section
Program & governance
AML SoftServeAML Guard
- AML/CTF program creation Agreed Agreed
- Program maintenance and review Not obtained Not obtained
- Risk assessment Agreed Agreed
- Independent evaluation support (s84) Not obtained Not agreed
- Staff training Agreed Agreed
CDD & entity work
AML SoftServeAML Guard
- Customer due diligence Agreed Agreed
- Know-your-business (entity checks) Agreed Agreed
- Beneficial ownership and control Not obtained Agreed
- Enhanced due diligence Agreed Not obtained
- Reliance arrangements Not obtained Not obtained
Identity verification
AML SoftServeAML Guard
- Electronic identity verification Agreed Agreed
- Biometric liveness and face match Agreed Not obtained
- Document Verification Service (DVS) access Not obtained Not obtained
Screening & monitoring
AML SoftServeAML Guard
- PEP and sanctions screening Agreed Agreed
- Adverse media screening Agreed Agreed
- Ongoing customer monitoring Agreed Agreed
- Automated transaction monitoring (bank-style rules) Not obtained Not obtained
Reporting & control
AML SoftServeAML Guard
- Suspicious matter report workflow Not obtained Agreed
- AUSTRAC SMR XML export Not obtained Not agreed
- Tipping-off controls (s123) Not obtained Agreed
- Threshold transaction reporting Not obtained Queried
Evidence & extensibility
AML SoftServeAML Guard
- Evidence pack export Not obtained Not obtained
- Immutable audit log Not obtained Agreed
- API access Not obtained Not obtained
Tranche 2 operations
AML SoftServeAML Guard
- Risk assessed per designated service Agreed Queried
- Ongoing monitoring triggered by designated service and risk Not obtained Queried
- Program obligations calendar Not obtained Queried
- Versioned AML program and CDD records Queried Agreed
- Escalation to AMLCO or manager with outcome recorded Not obtained Queried
- Expired document alerts Not obtained Not obtained
- Reliance CDD requests sent and received Not obtained Agreed
Unknowns to confirm
Not established for at least one of these two — ask before relying on it.
Program maintenance and reviewIndependent evaluation support (s84)Beneficial ownership and controlReliance arrangementsDocument Verification Service (DVS) accessAutomated transaction monitoring (bank-style rules)Suspicious matter report workflowAUSTRAC SMR XML export
Which one fits your requirements?
These two are compared on every field we track. Tell us what matters to you and we’ll recalculate this comparison against your own requirements.
Tell us what matters to youProvider facts checked through 8 October 2026. Source records: AML SoftServe on AML Directory · AML Guard on AML Directory