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

AMLTranche 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.

AMLTranche

Full AML/CTF platform

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

ClearAML

Full AML/CTF platform

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

Choose AMLTranche 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.

Choose ClearAML when...

  • Independent evaluation support (s84) is verified — AMLTranche has not established it.
  • Staff training is verified — AMLTranche has not established it.
  • Know-your-business (entity checks) is verified — AMLTranche has not established it.
  • Document Verification Service (DVS) access is verified — AMLTranche has not established it.
  • AUSTRAC SMR XML export is verified — AMLTranche has not established it.

Where both fit

Risk assessmentCustomer due diligenceBeneficial ownership and controlElectronic identity verificationBiometric liveness and face matchPEP and sanctions screeningOngoing customer monitoringSuspicious matter report workflowThreshold transaction reportingEvidence pack export

Biggest differences

FieldAMLTrancheClearAML
AML/CTF program creationVerifiedNot established
Independent evaluation support (s84)Not establishedVerified
Staff trainingNoVerified
Know-your-business (entity checks)Not establishedVerified
Document Verification Service (DVS) accessNot establishedVerified
Adverse media screeningVerifiedNot established
AUSTRAC SMR XML exportNoVerified
Tipping-off controls (s123)VerifiedNot established
Immutable audit logVerifiedNot established
Versioned AML program and CDD recordsPartialVerified
Expired document alertsNot establishedPartial
Data residencymixedaustralia

Capabilities, section by section

Program & governance

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

CDD & entity work

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

Identity verification

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

Screening & monitoring

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

Reporting & control

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

Evidence & extensibility

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

Tranche 2 operations

AMLTrancheClearAML
  • 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 Queried Agreed
  • Escalation to AMLCO or manager with outcome recorded Queried Queried
  • Expired document alerts Not obtained Queried
  • Reliance CDD requests sent and received Queried Queried

Unknowns to confirm

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

Program maintenance and reviewIndependent evaluation support (s84)Know-your-business (entity checks)Enhanced due diligenceReliance arrangementsDocument Verification Service (DVS) accessAPI accessExpired document alerts

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: AMLTranche on AML Directory · ClearAML on AML Directory