{"id":50878,"date":"2026-04-26T15:47:17","date_gmt":"2026-04-26T03:47:17","guid":{"rendered":"https:\/\/alphaamltraining.com\/?p=50878"},"modified":"2026-04-27T20:08:55","modified_gmt":"2026-04-27T08:08:55","slug":"which-roles-require-aml-training-a-guide-for-australian-tranche-2-businesses","status":"publish","type":"post","link":"https:\/\/alphaamltraining.com\/au\/which-roles-require-aml-training-a-guide-for-australian-tranche-2-businesses\/","title":{"rendered":"Which roles require AML training? A guide for Australian Tranche 2 businesses"},"content":{"rendered":"\n\n<style>\n.wp-block-separator {\n  margin-top: 2em !important;\n  margin-bottom: 2em !important;\n}\n\nh2.wp-block-heading {\n  margin-top: 1.5em !important;\n  margin-bottom: 0.75em !important;\n}\n\nh3.wp-block-heading {\n  margin-top: 1.5em !important;\n  margin-bottom: 0.5em !important;\n}\n\nh4.wp-block-heading {\n  margin-top: 1.25em !important;\n  margin-bottom: 0.5em !important;\n}\n\n.wp-block-image {\n  margin-top: 2em !important;\n  margin-bottom: 2em !important;\n}\n\n.wp-block-table {\n  margin: 2em 0;\n}\n\n.wp-block-table table {\n  border-collapse: separate;\n  border-spacing: 0;\n  border: 1px solid #EAE1DC;\n  border-radius: 8px;\n  overflow: hidden;\n  box-shadow: 0 2px 8px rgba(39, 47, 60, 0.06);\n  width: 100%;\n}\n\n.wp-block-table thead tr {\n  background-color: #272F3C;\n}\n\n.wp-block-table thead th {\n  color: #FFFFFF;\n  font-weight: 600;\n  text-transform: uppercase;\n  letter-spacing: 0.04em;\n  font-size: 0.8em;\n  padding: 16px 20px;\n  text-align: left;\n  border-bottom: 3px solid #3ECEA2;\n}\n\n.wp-block-table tbody tr:nth-child(odd) {\n  background-color: #F7F3F0;\n}\n\n.wp-block-table tbody tr:nth-child(even) {\n  background-color: #FFFFFF;\n}\n\n.wp-block-table tbody td {\n  padding: 16px 20px;\n  vertical-align: top;\n  border: none;\n  border-bottom: 1px solid #EAE1DC;\n  color: #272F3C;\n  line-height: 1.6;\n}\n\n.wp-block-table tbody tr:last-child td {\n  border-bottom: none;\n}\n\n.is-data-table tbody td:first-child {\n  font-weight: 600;\n  color: #1946FF;\n}\n\n.is-data-table tbody td em {\n  color: #5A6478;\n  font-size: 0.92em;\n}\n\n.wp-block-table a {\n  color: #1946FF;\n  text-decoration: underline;\n  text-decoration-thickness: 1px;\n  text-underline-offset: 2px;\n}\n\n.wp-block-table a:hover {\n  color: #3ECEA2;\n}\n<\/style>\n\n\n\n\n<p class=\"has-medium-font-size\"><strong>A question that often comes up is who should complete AML training within a firm or business. <\/strong><br><br>This guide gives an overview of the staff training obligations, the relevant AUSTRAC guidance, and example tables that can help map training to roles in your business &#8211; one for legal professionals, one for real estate, one for accountants. <\/p>\n\n\n\n<p><em>NOTE: The content on this website is general and is not legal, compliance or professional advice. Before you make a decision or take a particular action based on the content on this website, you should check its accuracy, completeness, currency and relevance for your purposes. You may wish to seek independent professional advice.<\/em><\/p>\n\n\n\n<p><em><a href=\"#Identifying-roles-with-AML\/CTF-duties\">Identifying roles with AML\/CTF duties<\/a><\/em><\/p>\n\n\n\n<p><em><a href=\"#Law-and-conveyancing-firms---roles-example-table\">Law and conveyancing firms &#8211; example roles table<\/a><\/em><\/p>\n\n\n\n<p><em><a href=\"#Real-estate-agencies---roles-example-table\">Real estate agencies &#8211; example roles table<\/a><\/em><\/p>\n\n\n\n<p><em><a href=\"http:\/\/Accounting-practices---examples-roles-table\">Accounting practices &#8211; example roles table<\/a><\/em><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Identifying-roles-with-AML\/CTF-duties\"><strong>Identifying roles<\/strong> with AML\/CTF duties<\/h2>\n\n\n\n<p>Identifying roles with AML\/CTF duties<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Obligation at a glance<\/strong><\/h3>\n\n\n\n<p>Reporting entities providing designated services must identify the roles in their business that are relevant to their AML\/CTF obligations, and conduct personnel due diligence and training for the people performing those roles.<sup>1<\/sup><\/p>\n\n\n\n<p>&#8216;Personnel&#8217; is wider than just direct employees. It covers anyone the business employs or engages who has a role in its AML\/CTF obligations &#8211; e.g. this could include contractors, consultants, interns, and people employed by service providers.<sup>2<\/sup><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>AUSTRAC guidance<\/strong><\/h3>\n\n\n\n<p>Mapping out who does what is the practical starting point. Until the roles are identified, there&#8217;s no way for a business to know who needs AML training (and what kind). <\/p>\n\n\n\n<p>AUSTRAC&#8217;s <em><a href=\"https:\/\/www.austrac.gov.au\/industry-and-business\/obligations-and-guidance\/your-amlctf-program\/personnel-due-diligence-and-training\/identifying-personnel-roles-require-due-diligence-and-training#Identifying%20relevant%20roles\" target=\"_blank\" rel=\"noreferrer noopener\">Identifying personnel roles that require due diligence and training<\/a><\/em> guidance sets out a suggested framework: list every role in the business that&#8217;s relevant to its AML\/CTF obligations, then map the responsibilities each role performs.<sup>3<\/sup> <\/p>\n\n\n\n<p>Personnel who perform functions relevant to AML\/CTF obligations include people who:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>hold governance roles &#8211; e.g. the governing body, senior manager(s) and AML\/CTF compliance officer<\/li>\n\n\n\n<li>have responsibilities under the AML\/CTF program<\/li>\n\n\n\n<li>work in roles exposed to ML\/TF risks<\/li>\n\n\n\n<li>perform any other roles that support or help perform the business&#8217;s AML\/CTF obligations<\/li>\n<\/ul>\n\n\n\n<p>The AUSTRAC guidance includes an example table that groups roles under the AML\/CTF obligation they support &#8211; e.g. customer due diligence, ongoing CDD, suspicious matter reporting, threshold transaction reporting &#8211; to assist reporting entities in considering which people hold these roles in their own business. For example:<br><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th class=\"has-text-align-left\" data-align=\"left\"><strong>AML\/CTF obligation<\/strong><\/th><th class=\"has-text-align-left\" data-align=\"left\"><strong>Roles<\/strong><\/th><th class=\"has-text-align-left\" data-align=\"left\"><strong>Relevant personnel responsibilities<\/strong><\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-left\" data-align=\"left\">Customer due diligence (CDD)<\/td><td class=\"has-text-align-left\" data-align=\"left\">Customer facing personnel<br><br>Account or relationship managers<br><br>Onboarding analysts<\/td><td class=\"has-text-align-left\" data-align=\"left\">Interacts with customers or transactions<br><br>Performs customer onboarding or identity verification<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><a href=\"https:\/\/www.austrac.gov.au\/industry-and-business\/obligations-and-guidance\/your-amlctf-program\/personnel-due-diligence-and-training\/identifying-personnel-roles-require-due-diligence-and-training#Identifying%20relevant%20roles\" target=\"_blank\" rel=\"noreferrer noopener\">Click here to view the full table on the AUSTRAC website<\/a>.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>High-risk roles<\/strong><\/h4>\n\n\n\n<p>Once relevant roles are identified, AUSTRAC then expects high-risk roles to be flagged.<sup>4<\/sup> These are roles that could pose a serious ML\/TF or non-compliance risk if held by someone with inadequate skills or integrity. AUSTRAC&#8217;s guidance suggests considering whether a person can:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>design or influence changes to AML\/CTF policies<\/li>\n\n\n\n<li>authorise investments, payments, or reports submitted to AUSTRAC<\/li>\n\n\n\n<li>override or bypass internal controls<\/li>\n\n\n\n<li>handle high-value transactions or physical currency<\/li>\n\n\n\n<li>approve or escalate high-risk customers<\/li>\n\n\n\n<li>amend customer risk profiles or related audit trails<\/li>\n\n\n\n<li>manage or authorise outsourcing arrangements<\/li>\n\n\n\n<li>access highly sensitive business or customer information.<\/li>\n<\/ul>\n\n\n\n<p>Where any of these apply, AUSTRAC&#8217;s guidance flags the role as likely high-risk, which means more thorough personnel due diligence and tailored training to manage the associated risks.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Resources<\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>AUSTRAC program starter kits<\/strong><br><br>For the mapping work, AUSTRAC has released sector-specific personnel forms &#8211; an <em>AML\/CTF roles form<\/em> and an <em>Assign responsibilities form<\/em> &#8211; as part of its starter kits for law firms, accounting practices, real estate agencies and conveyancers.<sup>5<\/sup> The starter kits are designed for businesses meeting certain suitability criteria (broadly, smaller and simpler businesses), but may be useful as a starting template for larger, more complex businesses.<\/td><td><a href=\"https:\/\/www.austrac.gov.au\/sites\/default\/files\/2026-01\/Legal%20profession%20-%20Personnel%20forms%20-%20AMLCTF%20roles%20form%20-%20January%202026.docx\" type=\"link\" id=\"https:\/\/www.austrac.gov.au\/sites\/default\/files\/2026-01\/Legal%20profession%20-%20Personnel%20forms%20-%20AMLCTF%20roles%20form%20-%20January%202026.docx\" target=\"_blank\" rel=\"noreferrer noopener\">AML\/CTF Roles Form &#8211; Legal Professionals<\/a><br><a href=\"https:\/\/www.austrac.gov.au\/sites\/default\/files\/2026-01\/Legal%20profession%20-%20Personnel%20forms%20-%20Assign%20responsibilities%20form%20-%20January%202026.docx\" type=\"link\" id=\"https:\/\/www.austrac.gov.au\/sites\/default\/files\/2026-01\/Legal%20profession%20-%20Personnel%20forms%20-%20Assign%20responsibilities%20form%20-%20January%202026.docx\" target=\"_blank\" rel=\"noreferrer noopener\">Assigning Responsibilities Form &#8211; Legal Professionals<\/a><br><br><a href=\"https:\/\/www.austrac.gov.au\/sites\/default\/files\/2026-01\/Conveyancers%20-%20Personnel%20forms%20-%20AMLCTF%20roles%20form%20-%20January%202026.docx\" target=\"_blank\" rel=\"noreferrer noopener\">AML\/CTF Roles Form &#8211; Conveyancers<\/a><br><a href=\"https:\/\/www.austrac.gov.au\/sites\/default\/files\/2026-01\/Conveyancers%20-%20Personnel%20forms%20-%20Assign%20responsibilities%20form%20-%20January%202026.docx\" target=\"_blank\" rel=\"noreferrer noopener\">Assigning Responsibilities Form &#8211; Conveyancers<\/a><br><br><a href=\"https:\/\/www.austrac.gov.au\/sites\/default\/files\/2026-01\/Accountants%20-%20Personnel%20forms%20-%20AMLCTF%20roles%20form%20-January%202026.docx\" target=\"_blank\" rel=\"noreferrer noopener\">AML\/CTF Roles Form &#8211; Accounting<\/a><br><a href=\"https:\/\/www.austrac.gov.au\/sites\/default\/files\/2026-01\/Accountants%20-%20Personnel%20forms%20-%20Assign%20responsibilities%20form%20-%20January%202026.docx\" target=\"_blank\" rel=\"noreferrer noopener\">Assigning Responsibilities Form &#8211; Accounting<\/a><br><br><a href=\"https:\/\/www.austrac.gov.au\/sites\/default\/files\/2026-01\/Real%20estate%20-%20Personnel%20forms%20-%20AML_CTF%20roles%20form%20-%20January%202026.docx\" target=\"_blank\" rel=\"noreferrer noopener\">AML\/CTF Roles Form &#8211; Real Estate<\/a><br><a href=\"https:\/\/www.austrac.gov.au\/sites\/default\/files\/2026-01\/Real%20estate%20-%20Personnel%20forms%20-%20Assign%20responsibilities%20form%20-%20January%202026.docx\" target=\"_blank\" rel=\"noreferrer noopener\">Assigning Responsibilities Form &#8211; Real Estate<\/a><\/td><\/tr><tr><td><strong>Additional AUSTRAC guidance<\/strong><\/td><td><a href=\"https:\/\/www.austrac.gov.au\/industry-and-business\/obligations-and-guidance\/your-amlctf-program\/personnel-due-diligence-and-training\/identifying-personnel-roles-require-due-diligence-and-training\">Identifying personnel roles that require due diligence and training<\/a><br><br><a href=\"https:\/\/www.austrac.gov.au\/industry-and-business\/obligations-and-guidance\/your-amlctf-program\/personnel-due-diligence-and-training\/examples-personnel-due-diligence-and-training-practice\">Examples of personnel due diligence and training in practice<\/a><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Providing AML\/CTF training<\/strong><\/h2>\n\n\n\n<p>Providing tailored training to roles with AML\/CTF duties<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Obligation at a glance<\/strong><\/h3>\n\n\n\n<p>Reporting entities providing designated services must provide initial and ongoing AML\/CTF training to personnel with AML\/CTF responsibilities.<sup>6<\/sup><\/p>\n\n\n\n<p>The training must make sure staff understand:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>the business&#8217;s AML\/CTF obligations under the Act and Rules,<\/li>\n\n\n\n<li>the ML\/TF risks the business faces.<\/li>\n<\/ul>\n\n\n\n<p>AUSTRAC expects training to be tailored to the person, their responsibilities, and the ML\/TF risks relevant to their role. In other words, what each person is trained on depends on what they actually do.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">AUSTRAC guidance (illustrated for your sector)<\/h3>\n\n\n\n<p>AUSTRAC&#8217;s <a href=\"https:\/\/www.austrac.gov.au\/industry-and-business\/obligations-and-guidance\/your-amlctf-program\/personnel-due-diligence-and-training\/amlctf-training\"><em>AML\/CTF training<\/em><\/a> guidance includes an example training table that links AML\/CTF functions to the training topics each function needs.<sup>7<\/sup><\/p>\n\n\n\n<p>The tables below pair AUSTRAC&#8217;s framework with examples of the typical roles that may perform each function in a law firm, an accounting practice or a real estate agency. Columns one and three are AUSTRAC&#8217;s. Column two is illustrative &#8211; the actual roles will vary depending on the nature, size and complexity of a business, and the roles and responsibilities assigned to staff under its AML\/CTF policies.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Law-and-conveyancing-firms---roles-example-table\"><strong>Law and conveyancing firms<\/strong> &#8211; roles example table<\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th class=\"has-text-align-left\" data-align=\"left\"><strong>AML\/CTF function<\/strong><\/th><th class=\"has-text-align-left\" data-align=\"left\"><strong>Illustrative roles<\/strong><\/th><th class=\"has-text-align-left\" data-align=\"left\"><strong>What training should cover<\/strong><\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-left\" data-align=\"left\">Initial customer due diligence (CDD)<\/td><td class=\"has-text-align-left\" data-align=\"left\"><em>Performs client onboarding, e.g.<\/em><br><br>Junior lawyers\/solicitors<br>Legal executives<br>Paralegals<br>Support staff <\/td><td class=\"has-text-align-left\" data-align=\"left\">How to follow your ID verification procedures<br><br>How to conduct beneficial ownership, sanctions and politically exposed person checks<br><br>How to conduct initial customer screening&nbsp;<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">Ongoing CDD<\/td><td class=\"has-text-align-left\" data-align=\"left\"><em>Dealing with or monitoring clients on an ongoing basis, e.g.<\/em><br><br>Lawyers running matters<br>Partners with ongoing client relationships<br>Trust account staff <br><\/td><td class=\"has-text-align-left\" data-align=\"left\">How to follow your ongoing CDD procedures<br><br>How to collect and verify identity information and escalate unusual transactions and behaviour<br><br>How to assess and respond to changes in customer risk throughout the business relationship&nbsp;<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">Enhanced CDD<\/td><td class=\"has-text-align-left\" data-align=\"left\"><em>Conducting enhanced CDD, e.g<\/em>.<br><br>The AML\/CTF compliance officer<br>Partners or principals approving high-risk engagements<br><\/td><td class=\"has-text-align-left\" data-align=\"left\">How to tailor enhanced CDD measures to the customer risk<br><br>Undertaking source of funds and wealth checks<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">Suspicious matter reporting (SMRs)<\/td><td class=\"has-text-align-left\" data-align=\"left\"><em>Any client-facing or transaction-facing personnel, e.g.<\/em><br><br>Partners<br>Lawyers\/solicitors<br>Legal executives<br>Paralegals<br>Operations<br>Trust account staff<br>Finance teams<br><\/td><td class=\"has-text-align-left\" data-align=\"left\">Awareness of ML\/TF risks of the business and suspicious indicators<br><br>Identifying potential suspicious activity&nbsp;<br><br>Your escalation procedures and timelines<br><br>How to report accurately and on time<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">Threshold transaction reporting (TTRs)<\/td><td class=\"has-text-align-left\" data-align=\"left\"><em>Any role exposed to cash transactions<\/em>, e.g.<br><br>Trust account staff<br>Finance teams<br>Roles handling cash deposits or settlements involving physical currency<br><\/td><td class=\"has-text-align-left\" data-align=\"left\">Understanding of threshold transactions<br><br>What is structuring<br><br>Who in your business reports TTRs<br><br>Timeframes for submitting TTRs<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">Record keeping<\/td><td class=\"has-text-align-left\" data-align=\"left\"><em>Roles involved with creating or updating client records. e.g.<\/em><br><br>Lawyers\/solicitors<br>Legal executives<br>Paralegals<br>File administrators<br>Trust account staff <br>Support staff<br><\/td><td class=\"has-text-align-left\" data-align=\"left\">How to use any record-keeping tools<br><br>Processes<br><br>What records to keep&nbsp;<br><br>Keeping accurate and complete records including of decisions made<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">Governance and oversight<\/td><td class=\"has-text-align-left\" data-align=\"left\"><em>The AML\/CTF compliance officer,<br>senior manager(s), and governing body, e.g.<\/em><br><br>Partners as the governing body<br>Managing Partner or CEO as senior manager<br>The AML\/CTF compliance officer<\/td><td class=\"has-text-align-left\" data-align=\"left\">Deep understanding of specific AML\/CTF obligations for each governance role<br><br>Group structure (if applicable)<br><br>Your ML\/TF risk assessment and AML\/CTF policies&nbsp;<br><br>Good governance practice<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>For more on AML training for lawyers, see our <a href=\"https:\/\/alphaamltraining.com\/au\/tranche-2\/lawyers\/\" target=\"_blank\" rel=\"noreferrer noopener\">Tranche 2 page for law firms<\/a>.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Real-estate-agencies---roles-example-table\"><strong>Real estate agencies<\/strong> &#8211; roles example table<\/h3>\n\n\n\n<p>Note: AML\/CTF obligations for real estate agencies apply when a person is acting on behalf of buyers or sellers to arrange the sale, purchase, or transfer of property as part of a business. AML\/CTF obligations generally will not apply to leasing or property management.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th class=\"has-text-align-left\" data-align=\"left\"><strong>AML\/CTF function<\/strong><\/th><th class=\"has-text-align-left\" data-align=\"left\"><strong>Typical roles<\/strong><\/th><th class=\"has-text-align-left\" data-align=\"left\"><strong>What training should cover<\/strong><\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-left\" data-align=\"left\">Initial customer due diligence (CDD)<\/td><td class=\"has-text-align-left\" data-align=\"left\"><em>Performs client onboarding, e.g.<\/em><br><br>Sales agents<br>Sales support and admin<\/td><td class=\"has-text-align-left\" data-align=\"left\">How to follow your ID verification procedures<br><br>How to conduct beneficial ownership, sanctions and politically exposed person checks<br><br>How to conduct initial customer screening&nbsp;<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">Ongoing CDD<\/td><td class=\"has-text-align-left\" data-align=\"left\"><em>Dealing with or monitoring clients on an ongoing basis, e.g.<\/em><br><br>Sales agents <br>Sales support and admin<br>Trust account staff <\/td><td class=\"has-text-align-left\" data-align=\"left\">How to follow your ongoing CDD procedures<br><br>How to collect and verify identity information and escalate unusual transactions and behaviour<br><br>How to assess and respond to changes in customer risk throughout the business relationship&nbsp;<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">Enhanced CDD<\/td><td class=\"has-text-align-left\" data-align=\"left\"><em>Conducting enhanced CDD, e.g<\/em>.<br><br>The AML\/CTF compliance officer<br>Licensee in charge of approving high-risk engagements<br><\/td><td class=\"has-text-align-left\" data-align=\"left\">How to tailor enhanced CDD measures to the customer risk<br><br>Undertaking source of funds and wealth checks<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">Suspicious matter reporting (SMRs)<\/td><td class=\"has-text-align-left\" data-align=\"left\"><em>Any client-facing or transaction-facing personnel, e.g.<\/em><br><br>Sales agents<br>Sales support and admin<br>Reception <br>Trust account staff<br>Finance teams<br><\/td><td class=\"has-text-align-left\" data-align=\"left\">Awareness of ML\/TF risks of the business and suspicious indicators<br><br>Identifying potential suspicious activity&nbsp;<br><br>Your escalation procedures and timelines<br><br>How to report accurately and on time<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">Threshold transaction reporting (TTRs)<\/td><td class=\"has-text-align-left\" data-align=\"left\"><em>Any role exposed to cash transactions<\/em>, e.g.<br><br>Trust account staff<br>Finance teams<br>Anyone handling deposits or settlements involving physical currency<br><\/td><td class=\"has-text-align-left\" data-align=\"left\">Understanding of threshold transactions<br><br>What is structuring<br><br>Who in your business reports TTRs<br><br>Timeframes for submitting TTRs<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">Record keeping<\/td><td class=\"has-text-align-left\" data-align=\"left\"><em>Roles involved with creating or updating client records. e.g.<\/em><br><br>Sales agents<br>Trust account staff<br>Sales support and admin<br>Office administrator<br><\/td><td class=\"has-text-align-left\" data-align=\"left\">How to use any record-keeping tools<br><br>Processes<br><br>What records to keep&nbsp;<br><br>Keeping accurate and complete records including of decisions made<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">Governance and oversight<\/td><td class=\"has-text-align-left\" data-align=\"left\"><em>The AML\/CTF compliance officer,<br>senior manager(s), and governing body, e.g.<\/em><br><br>Business owner as the governing body<br>Licensee in charge as senior manager<br>The AML\/CTF compliance officer<\/td><td class=\"has-text-align-left\" data-align=\"left\">Deep understanding of specific AML\/CTF obligations for each governance role<br><br>Group structure (if applicable)<br><br>Your ML\/TF risk assessment and AML\/CTF policies&nbsp;<br><br>Good governance practice<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>For more on AML training for real estate agents, see our <a href=\"https:\/\/alphaamltraining.com\/au\/tranche-2\/real-estate\/\" target=\"_blank\" rel=\"noreferrer noopener\">Tranche 2 page for real estate<\/a>.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Accounting-practices---examples-roles-table\"><strong>Accounting practices<\/strong> &#8211; examples roles table<\/h3>\n\n\n\n<figure class=\"wp-block-table is-style-regular\"><table class=\"has-fixed-layout\"><thead><tr><th class=\"has-text-align-left\" data-align=\"left\"><strong>AML\/CTF function<\/strong><\/th><th class=\"has-text-align-left\" data-align=\"left\"><strong>Typical roles<\/strong><\/th><th class=\"has-text-align-left\" data-align=\"left\"><strong>What training should cover<\/strong><\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-left\" data-align=\"left\">Initial customer due diligence (CDD)<\/td><td class=\"has-text-align-left\" data-align=\"left\"><em>Performs client onboarding, e.g.<\/em><br><br>Accountants and advisers<br>Bookkeepers<br>Client services teams<br><br><\/td><td class=\"has-text-align-left\" data-align=\"left\">How to follow your ID verification procedures<br><br>How to conduct beneficial ownership, sanctions and politically exposed person checks<br><br>How to conduct initial customer screening&nbsp;<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">Ongoing CDD<\/td><td class=\"has-text-align-left\" data-align=\"left\"><em>Dealing with or monitoring clients on an ongoing basis, e.g.<\/em><br><br>Accountants managing ongoing client relationships<br>Client relationship managers<br>Trust account staff <br><\/td><td class=\"has-text-align-left\" data-align=\"left\">How to follow your ongoing CDD procedures<br><br>How to collect and verify identity information and escalate unusual transactions and behaviour<br><br>How to assess and respond to changes in customer risk throughout the business relationship&nbsp;<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">Enhanced CDD<\/td><td class=\"has-text-align-left\" data-align=\"left\"><em>Conducting enhanced CDD, e.g<\/em>.<br><br>The AML\/CTF compliance officer<br>Principal or partner in charge of approving high-risk engagements<br><\/td><td class=\"has-text-align-left\" data-align=\"left\">How to tailor enhanced CDD measures to the customer risk<br><br>Undertaking source of funds and wealth checks<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">Suspicious matter reporting (SMRs)<\/td><td class=\"has-text-align-left\" data-align=\"left\"><em>Any client-facing or transaction-facing personnel, e.g.<\/em><br><br>Partners<br>Accountants and advisers<br>Bookkeepers<br>Trust account staff<br>Finance teams<br>Client services teams<br><\/td><td class=\"has-text-align-left\" data-align=\"left\">Awareness of ML\/TF risks of the business and suspicious indicators<br><br>Identifying potential suspicious activity&nbsp;<br><br>Your escalation procedures and timelines<br><br>How to report accurately and on time<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">Threshold transaction reporting (TTRs)<\/td><td class=\"has-text-align-left\" data-align=\"left\"><em>Any role exposed to cash transactions<\/em>, <em>e.g.<\/em><br><br>Trust account staff<br>Finance teams<br>Anyone handling cash movements involving physical currency<br><\/td><td class=\"has-text-align-left\" data-align=\"left\">Understanding of threshold transactions<br><br>What is structuring<br><br>Who in your business reports TTRs<br><br>Timeframes for submitting TTRs<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">Record keeping<\/td><td class=\"has-text-align-left\" data-align=\"left\"><em>Roles involved with creating or updating client records. e.g.<\/em><br><br>Office administrators<br>Bookkeepers<br>Trust account staff<br>Client services teams<br><\/td><td class=\"has-text-align-left\" data-align=\"left\">How to use any record-keeping tools<br><br>Processes<br><br>What records to keep&nbsp;<br><br>Keeping accurate and complete records including of decisions made<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">Governance and oversight<\/td><td class=\"has-text-align-left\" data-align=\"left\"><em>The AML\/CTF compliance officer,<br>senior manager(s), and governing body, e.g.<\/em><br><br>Practice owner as the governing body<br>Senior leadership team member as senior manager<br>The AML\/CTF compliance officer<br><\/td><td class=\"has-text-align-left\" data-align=\"left\">Deep understanding of specific AML\/CTF obligations for each governance role<br><br>Group structure (if applicable)<br><br>Your ML\/TF risk assessment and AML\/CTF policies&nbsp;<br><br>Good governance practice<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>For more on AML training for accountants, see our <a href=\"https:\/\/alphaamltraining.com\/au\/tranche-2\/accounting\/\" target=\"_blank\" rel=\"noreferrer noopener\">Tranche 2 page for accounting practices<\/a>.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Where Alpha AML Training comes in<\/strong><\/h2>\n\n\n\n<p><\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large is-resized\"><img fetchpriority=\"high\" decoding=\"async\" width=\"1024\" height=\"709\" src=\"https:\/\/alphaamltraining.com\/wp-content\/uploads\/2024\/10\/Tranche-2-module-banner-8-1024x709.png\" alt=\"\" class=\"wp-image-30880\" style=\"width:600px\" srcset=\"https:\/\/alphaamltraining.com\/wp-content\/uploads\/2024\/10\/Tranche-2-module-banner-8-1024x709.png 1024w, https:\/\/alphaamltraining.com\/wp-content\/uploads\/2024\/10\/Tranche-2-module-banner-8-300x208.png 300w, https:\/\/alphaamltraining.com\/wp-content\/uploads\/2024\/10\/Tranche-2-module-banner-8-768x532.png 768w, https:\/\/alphaamltraining.com\/wp-content\/uploads\/2024\/10\/Tranche-2-module-banner-8-1536x1063.png 1536w, https:\/\/alphaamltraining.com\/wp-content\/uploads\/2024\/10\/Tranche-2-module-banner-8-116x80.png 116w, https:\/\/alphaamltraining.com\/wp-content\/uploads\/2024\/10\/Tranche-2-module-banner-8-290x201.png 290w, https:\/\/alphaamltraining.com\/wp-content\/uploads\/2024\/10\/Tranche-2-module-banner-8-600x415.png 600w, https:\/\/alphaamltraining.com\/wp-content\/uploads\/2024\/10\/Tranche-2-module-banner-8.png 1625w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n<\/div>\n\n\n<p><\/p>\n\n\n\n<p><\/p>\n\n\n\n<p>Once the mapping work is done, choosing training is the easy part.<\/p>\n\n\n\n<p>Alpha AML Training&#8217;s five AML\/CTF courses are built around the core functions in AUSTRAC&#8217;s guidance &#8211; so your team gets tailored training for the role they perform:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Introduction to Tranche 2 AML<\/strong> &#8211; orientation to the new Tranche 2 regime<\/li>\n\n\n\n<li><strong>Introduction to AML <\/strong>&#8211; general awareness for all roles that need the basics<\/li>\n\n\n\n<li><strong>Red flags and reporting obligations<\/strong> &#8211; for personnel exposed to SMR and TTR triggers<\/li>\n\n\n\n<li><strong>Customer due diligence<\/strong> &#8211; for roles performing initial, ongoing or enhanced CDD<\/li>\n\n\n\n<li><strong>AML governance and AML\/CTF programs <\/strong>&#8211; for the compliance officer, senior managers and governing body<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\">Get started today<\/h4>\n\n\n\n<p><em>Book a free demo<\/em> &#8211; speak with our team about training options, pricing and packages for your firm. <strong><a href=\"https:\/\/alphaamltraining.com\/au\/free-demo\/\">Book a demo \u2192<\/a><\/strong><\/p>\n\n\n\n<p>Or <a href=\"https:\/\/alphaamltraining.com\/au\/courses\/\">browse our full course library<\/a> to find the right courses for your team&#8217;s training.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">References<\/h2>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Anti-Money Laundering and Counter-Terrorism Financing Act 2006 (Cth) , s 26F(4)(d) and (e); AML\/CTF Rules 2025, ss 5-8 and 5-9.<\/li>\n\n\n\n<li>AUSTRAC, &#8216;<a href=\"https:\/\/www.austrac.gov.au\/industry-and-business\/obligations-and-guidance\/your-amlctf-program\/personnel-due-diligence-and-training\/identifying-personnel-roles-require-due-diligence-and-training\" type=\"link\" id=\"https:\/\/www.austrac.gov.au\/industry-and-business\/obligations-and-guidance\/your-amlctf-program\/personnel-due-diligence-and-training\/identifying-personnel-roles-require-due-diligence-and-training\" target=\"_blank\" rel=\"noreferrer noopener\">Identifying personnel roles that require due diligence and training<\/a>&#8216; (accessed April 2026), &#8216;Identifying relevant roles&#8217;.<\/li>\n\n\n\n<li>AUSTRAC, &#8216;<a href=\"https:\/\/www.austrac.gov.au\/industry-and-business\/obligations-and-guidance\/your-amlctf-program\/personnel-due-diligence-and-training\/identifying-personnel-roles-require-due-diligence-and-training\" type=\"link\" id=\"https:\/\/www.austrac.gov.au\/industry-and-business\/obligations-and-guidance\/your-amlctf-program\/personnel-due-diligence-and-training\/identifying-personnel-roles-require-due-diligence-and-training\" target=\"_blank\" rel=\"noreferrer noopener\">Identifying personnel roles that require due diligence and training<\/a>&#8216; (accessed April 2026), &#8216;Identifying relevant roles&#8217;.<\/li>\n\n\n\n<li>AUSTRAC, &#8216;<a href=\"https:\/\/www.austrac.gov.au\/industry-and-business\/obligations-and-guidance\/your-amlctf-program\/personnel-due-diligence-and-training\/identifying-personnel-roles-require-due-diligence-and-training\" type=\"link\" id=\"https:\/\/www.austrac.gov.au\/industry-and-business\/obligations-and-guidance\/your-amlctf-program\/personnel-due-diligence-and-training\/identifying-personnel-roles-require-due-diligence-and-training\" target=\"_blank\" rel=\"noreferrer noopener\">Identifying personnel roles that require due diligence and training<\/a>&#8216; (accessed April 2026), &#8216;Identifying high-risk roles&#8217;.<\/li>\n\n\n\n<li>AUSTRAC program starter kits, sector-specific &#8216;AML\/CTF roles form&#8217; and &#8216;Assign responsibilities form&#8217; (January 2026). Available on the AUSTRAC website: &#8216;<a href=\"https:\/\/www.austrac.gov.au\/industry-and-business\/obligations-and-guidance\/program-starter-kits\">Program starter kits<\/a>&#8216;.<\/li>\n\n\n\n<li>Anti-Money Laundering and Counter-Terrorism Financing Act 2006 (Cth), s 26F(4)(e); AML\/CTF Rules 2025, s 5-9.<\/li>\n\n\n\n<li>AUSTRAC, &#8216;<a href=\"https:\/\/www.austrac.gov.au\/industry-and-business\/obligations-and-guidance\/your-amlctf-program\/personnel-due-diligence-and-training\/amlctf-training\">AML\/CTF training<\/a>&#8216; (accessed April 2026), &#8216;Tailoring your AML\/CTF training&#8217;.<\/li>\n<\/ol>\n","protected":false},"excerpt":{"rendered":"<p>A question that often comes up is who should complete AML training within a firm or business. This guide gives an overview of the staff training obligations, the relevant AUSTRAC guidance, and example tables that can help map training to roles in your business &#8211; one for legal professionals, one for real estate, one for [&hellip;]<\/p>\n","protected":false},"author":16,"featured_media":9050,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[1526,609,1525],"tags":[3903,1528,610,1529,3902,3901],"class_list":["post-50878","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-australia-au","category-training-au","category-tranche-2-au","tag-accounting","tag-aml-australia-au","tag-aml-training-au","tag-aml-ctf-compliance-au","tag-law-firms","tag-real-estate"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Which roles require AML training? 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