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

ClearAML vs OverSEER AML

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.

ClearAML

Full AML/CTF platform

Entry price
$49.00/mo
Evidence
74%
Marketed to
Accounting, Real estate, Legal, Conveyancing
Data residency
australia

OverSEER AML

Full AML/CTF platform

Entry price
$350.00/mo
Evidence
19%
Marketed to
Not established
Data residency
australia

Choose ClearAML when...

  • Risk assessment is verified — OverSEER AML has not established it.
  • Independent evaluation support (s84) is verified — OverSEER AML has not established it.
  • Staff training is verified — OverSEER AML has not established it.
  • Customer due diligence is verified — OverSEER AML has not established it.
  • Know-your-business (entity checks) is verified — OverSEER AML has not established it.

Choose OverSEER AML when...

  • Automated transaction monitoring (bank-style rules) is verified — ClearAML has not established it.

Where both fit

AUSTRAC SMR XML export

Biggest differences

FieldClearAMLOverSEER AML
Risk assessmentVerifiedNot established
Independent evaluation support (s84)VerifiedNot established
Staff trainingVerifiedNot established
Customer due diligenceVerifiedNot established
Know-your-business (entity checks)VerifiedNot established
Beneficial ownership and controlVerifiedNot established
Electronic identity verificationVerifiedNot established
Biometric liveness and face matchVerifiedNot established
Document Verification Service (DVS) accessVerifiedNot established
PEP and sanctions screeningVerifiedNot established
Ongoing customer monitoringVerifiedNot established
Automated transaction monitoring (bank-style rules)PartialVerified
Suspicious matter report workflowVerifiedNot established
Threshold transaction reportingVerifiedNot established

Capabilities, section by section

Program & governance

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

CDD & entity work

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

Identity verification

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

Screening & monitoring

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

Reporting & control

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

Evidence & extensibility

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

Tranche 2 operations

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

Unknowns to confirm

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

AML/CTF program creationProgram maintenance and reviewEnhanced due diligenceReliance arrangementsAdverse media screeningTipping-off controls (s123)Immutable audit logAPI 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: ClearAML on AML Directory · OverSEER AML on AML Directory