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AML FinderAU
SubjectTwo records, worked side by side
Records checked to8 October 2026

AML Guard vs AMLTranche

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 Guard

Full AML/CTF platform

Entry price
$75.00/mo
Evidence
71%
Marketed to
Real estate, Conveyancing, Legal, Accounting
Data residency
australia

AMLTranche

Full AML/CTF platform

Entry price
$59.00/mo
Evidence
74%
Marketed to
Real estate, Conveyancing, Accounting, Precious metals & stones
Data residency
mixed

Choose AML Guard when...

  • Staff training is verified — AMLTranche has not established it.
  • Know-your-business (entity checks) is verified — AMLTranche has not established it.
  • Versioned AML program and CDD records is verified — AMLTranche has not established it.
  • Reliance CDD requests sent and received is verified — AMLTranche has not established it.

Choose AMLTranche when...

  • Biometric liveness and face match is verified — AML Guard has not established it.
  • Threshold transaction reporting is verified — AML Guard has not established it.
  • Evidence pack export is verified — AML Guard has not established it.

Where both fit

AML/CTF program creationRisk assessmentCustomer due diligenceBeneficial ownership and controlElectronic identity verificationPEP and sanctions screeningAdverse media screeningOngoing customer monitoringSuspicious matter report workflowTipping-off controls (s123)Immutable audit log

Biggest differences

FieldAML GuardAMLTranche
Independent evaluation support (s84)NoNot established
Staff trainingVerifiedNo
Know-your-business (entity checks)VerifiedNot established
Biometric liveness and face matchNot establishedVerified
Automated transaction monitoring (bank-style rules)Not establishedPartial
Threshold transaction reportingPartialVerified
Evidence pack exportNot establishedVerified
Versioned AML program and CDD recordsVerifiedPartial
Reliance CDD requests sent and receivedVerifiedPartial
Named integrations1 named0 named
Data residencyaustraliamixed

Capabilities, section by section

Program & governance

AML GuardAMLTranche
  • AML/CTF program creation Agreed Agreed
  • Program maintenance and review Not obtained Not obtained
  • Risk assessment Agreed Agreed
  • Independent evaluation support (s84) Not agreed Not obtained
  • Staff training Agreed Not agreed

CDD & entity work

AML GuardAMLTranche
  • Customer due diligence Agreed Agreed
  • Know-your-business (entity checks) Agreed Not obtained
  • Beneficial ownership and control Agreed Agreed
  • Enhanced due diligence Not obtained Not obtained
  • Reliance arrangements Not obtained Not obtained

Identity verification

AML GuardAMLTranche
  • Electronic identity verification Agreed Agreed
  • Biometric liveness and face match Not obtained Agreed
  • Document Verification Service (DVS) access Not obtained Not obtained

Screening & monitoring

AML GuardAMLTranche
  • PEP and sanctions screening Agreed Agreed
  • Adverse media screening Agreed Agreed
  • Ongoing customer monitoring Agreed Agreed
  • Automated transaction monitoring (bank-style rules) Not obtained Queried

Reporting & control

AML GuardAMLTranche
  • Suspicious matter report workflow Agreed Agreed
  • AUSTRAC SMR XML export Not agreed Not agreed
  • Tipping-off controls (s123) Agreed Agreed
  • Threshold transaction reporting Queried Agreed

Evidence & extensibility

AML GuardAMLTranche
  • Evidence pack export Not obtained Agreed
  • Immutable audit log Agreed Agreed
  • API access Not obtained Not obtained

Tranche 2 operations

AML GuardAMLTranche
  • Risk assessed per designated service Queried Queried
  • Ongoing monitoring triggered by designated service and risk Queried Queried
  • Program obligations calendar Queried Queried
  • Versioned AML program and CDD records Agreed Queried
  • Escalation to AMLCO or manager with outcome recorded Queried Queried
  • Expired document alerts Not obtained Not obtained
  • Reliance CDD requests sent and received Agreed Queried

Unknowns to confirm

Not established for at least one of these two — ask before relying on it.

Program maintenance and reviewEnhanced due diligenceReliance arrangementsBiometric liveness and face matchDocument Verification Service (DVS) accessAutomated transaction monitoring (bank-style rules)Evidence pack exportAPI access

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 you

Provider facts checked through 8 October 2026. Source records: AML Guard on AML Directory · AMLTranche on AML Directory