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

AML Guard vs ClearAML

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

ClearAML

Full AML/CTF platform

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

Choose AML Guard when...

  • AML/CTF program creation is verified — ClearAML has not established it.
  • Adverse media screening is verified — ClearAML has not established it.
  • Tipping-off controls (s123) is verified — ClearAML has not established it.
  • Immutable audit log is verified — ClearAML has not established it.
  • Reliance CDD requests sent and received is verified — ClearAML has not established it.

Choose ClearAML when...

  • Independent evaluation support (s84) is verified — AML Guard has not established it.
  • Biometric liveness and face match is verified — AML Guard has not established it.
  • Document Verification Service (DVS) access is verified — AML Guard has not established it.
  • AUSTRAC SMR XML export is verified — AML Guard has not established it.
  • Threshold transaction reporting is verified — AML Guard has not established it.

Where both fit

Risk assessmentStaff trainingCustomer due diligenceKnow-your-business (entity checks)Beneficial ownership and controlElectronic identity verificationPEP and sanctions screeningOngoing customer monitoringSuspicious matter report workflowVersioned AML program and CDD records

Biggest differences

FieldAML GuardClearAML
AML/CTF program creationVerifiedNot established
Independent evaluation support (s84)NoVerified
Biometric liveness and face matchNot establishedVerified
Document Verification Service (DVS) accessNot establishedVerified
Adverse media screeningVerifiedNot established
Automated transaction monitoring (bank-style rules)Not establishedPartial
AUSTRAC SMR XML exportNoVerified
Tipping-off controls (s123)VerifiedNot established
Threshold transaction reportingPartialVerified
Evidence pack exportNot establishedVerified
Immutable audit logVerifiedNot established
Expired document alertsNot establishedPartial
Reliance CDD requests sent and receivedVerifiedPartial
Named integrations1 named0 named

Capabilities, section by section

Program & governance

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

CDD & entity work

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

Identity verification

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

Screening & monitoring

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

Reporting & control

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

Evidence & extensibility

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

Tranche 2 operations

AML GuardClearAML
  • 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 Agreed
  • Escalation to AMLCO or manager with outcome recorded Queried Queried
  • Expired document alerts Not obtained Queried
  • 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 · ClearAML on AML Directory