SubjectTwo records, worked side by side
Records checked to8 October 2026
SimpleAML vs StackGo IdentityCheck
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.
SimpleAML
Local register
- Entry price
- $0.00/mo
- Evidence
- 55%
- Marketed to
- Accounting, Real estate, Conveyancing
- Data residency
- Not established
StackGo IdentityCheck
Verification layer
- Entry price
- On application
- Evidence
- 58%
- Marketed to
- Not established
- Data residency
- mixed
Choose SimpleAML when...
- Risk assessment is verified — StackGo IdentityCheck has not established it.
- Staff training is verified — StackGo IdentityCheck has not established it.
- Tipping-off controls (s123) is verified — StackGo IdentityCheck has not established it.
- Risk assessed per designated service is verified — StackGo IdentityCheck has not established it.
- Ongoing monitoring triggered by designated service and risk is verified — StackGo IdentityCheck has not established it.
Choose StackGo IdentityCheck when...
- Electronic identity verification is verified — SimpleAML has not established it.
- Biometric liveness and face match is verified — SimpleAML has not established it.
- PEP and sanctions screening is verified — SimpleAML has not established it.
Biggest differences
| Field | SimpleAML | StackGo IdentityCheck |
|---|---|---|
| AML/CTF program creation | Partial | No |
| Risk assessment | Verified | No |
| Staff training | Verified | No |
| Customer due diligence | Partial | No |
| Know-your-business (entity checks) | No | Not established |
| Enhanced due diligence | Not established | No |
| Electronic identity verification | No | Verified |
| Biometric liveness and face match | Not established | Verified |
| Document Verification Service (DVS) access | Not established | No |
| PEP and sanctions screening | No | Verified |
| Ongoing customer monitoring | Not established | No |
| Suspicious matter report workflow | Partial | No |
| Tipping-off controls (s123) | Verified | No |
| Threshold transaction reporting | Not established | No |
Capabilities, section by section
Program & governance
SimpleAMLStackGo IdentityCheck
- AML/CTF program creation Queried Not agreed
- Program maintenance and review Not obtained Not obtained
- Risk assessment Agreed Not agreed
- Independent evaluation support (s84) Not obtained Not obtained
- Staff training Agreed Not agreed
CDD & entity work
SimpleAMLStackGo IdentityCheck
- Customer due diligence Queried Not agreed
- Know-your-business (entity checks) Not agreed Not obtained
- Beneficial ownership and control Not obtained Not obtained
- Enhanced due diligence Not obtained Not agreed
- Reliance arrangements Not obtained Not obtained
Identity verification
SimpleAMLStackGo IdentityCheck
- Electronic identity verification Not agreed Agreed
- Biometric liveness and face match Not obtained Agreed
- Document Verification Service (DVS) access Not obtained Not agreed
Screening & monitoring
SimpleAMLStackGo IdentityCheck
- PEP and sanctions screening Not agreed Agreed
- Adverse media screening Not obtained Not obtained
- Ongoing customer monitoring Not obtained Not agreed
- Automated transaction monitoring (bank-style rules) Not obtained Not obtained
Reporting & control
SimpleAMLStackGo IdentityCheck
- Suspicious matter report workflow Queried Not agreed
- AUSTRAC SMR XML export Not agreed Not agreed
- Tipping-off controls (s123) Agreed Not agreed
- Threshold transaction reporting Not obtained Not agreed
Evidence & extensibility
SimpleAMLStackGo IdentityCheck
- Evidence pack export Not agreed Not agreed
- Immutable audit log Not agreed Not agreed
- API access Not obtained Not obtained
Tranche 2 operations
SimpleAMLStackGo IdentityCheck
- Risk assessed per designated service Agreed Queried
- Ongoing monitoring triggered by designated service and risk Agreed Queried
- Program obligations calendar Queried Not obtained
- Versioned AML program and CDD records Agreed Not obtained
- Escalation to AMLCO or manager with outcome recorded Queried Not obtained
- Expired document alerts Not obtained Not obtained
- Reliance CDD requests sent and received Not obtained Not obtained
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 controlEnhanced due diligenceReliance arrangementsBiometric liveness and face matchDocument Verification Service (DVS) accessAdverse media screening
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: SimpleAML on AML Directory · StackGo IdentityCheck on AML Directory