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Done-for-you CDD

Don't want to do customer due diligence at all? We'll do it.

Send us a name. We contact your customer, collect and verify their ID, screen them for sanctions and PEP exposure, work out who really owns the entity, risk-rate them against your program and hand you a finished file to sign off. Your staff collect nothing.

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Why firms ask for this

The software is not the hard part. The chasing is.

Most firms can learn the compliance software in an afternoon. What actually costs them is ringing a seller four times for a licence photo, working out who controls a family trust with a corporate trustee, and explaining to a buyer why you need their passport before settlement.

That work does not scale with software. It scales with someone doing it. So we do it — inside your own account, under your own program, with you signing off every file.

The line that matters

What we take on, and what stays yours

AUSTRAC permits a reporting entity to outsource the performance of AML/CTF functions. It does not permit outsourcing the responsibility. Any provider who tells you otherwise is selling you a problem.

✓ We do the work

Contacting customers, collecting and verifying identity documents, sanctions and PEP screening, beneficial ownership, risk rating, the evidence pack, and diarising ongoing re-screening.

~ You stay the reporting entity

Your AUSTRAC enrolment, your Compliance Officer, your suspicious matter reports, your decision to accept or decline a customer, and your legal liability. None of it moves.

✓ Everything stays in your account

We work inside your CompliDesk tenancy through named accounts with mandatory MFA. Every action is in your audit trail. Revoke our access whenever you like.

~ What we will not do

Hold your Compliance Officer appointment, lodge your AUSTRAC reports, or conduct your independent evaluation while we are performing your CDD. The first two are yours by law; the third would be a conflict.

Pricing

Your plan, plus a handling fee per file

A file is one verified person or one verified entity. A company with two beneficial owners is three files — the company, and each of the humans behind it, because the law requires both.

From $15 per individual

One person: contact, document collection, verification, screening, risk rating and report.

From $30 per entity

One company, trust or partnership, including the structure work through to beneficial owners.

Volume pricing

Firms referring at scale earn credits back against their handling fees. Tiers are agreed up front and written into your agreement.

Nothing charged until it is done

Handling fees are invoiced monthly in arrears, itemised by file. Withdraw a customer before we start and there is no fee at all.

Every engagement runs under a written CDD Outsourcing Agreement with a service level schedule and a data processing schedule. We will send it to you before you commit to anything.

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Questions

What firms ask before handing this over

No, and be wary of anyone who says otherwise. You remain the reporting entity. Your AUSTRAC enrolment, your Compliance Officer, your suspicious matter reporting and your legal liability all stay with you. AUSTRAC permits a reporting entity to outsource the performance of AML/CTF functions, but not the responsibility for them. Our agreement says this in writing.
You do. We never approve, decline or exit a customer relationship. Every file is delivered to your Compliance Officer for review and sign-off, and nothing we hand over counts as approved until they record that decision.
In your own CompliDesk account. We work inside your tenancy as named team members with multi-factor authentication, and every action is logged in your audit trail. The records are yours, they never leave, and you can revoke our access at any time without asking us.
No. You send us the customer's name, address, date of birth, email and mobile. We contact them directly, request their documents, chase them if they go quiet, verify and screen them, and put the finished evidence pack in your account.
You send us the entity name and whoever your staff have been dealing with. We work out the directors, shareholders, trustees and beneficial owners from the ASIC extract or the trust deed, and verify each of those people ourselves. Establishing the ownership chain is the hardest part of CDD and it is the part we take on.
We make first contact with your customer within 4 business hours of the referral. A standard individual file is completed within 3 business days, and a company or trust within 8, once the customer has supplied what we asked for. We will chase a non-responsive customer, but we cannot compel one.
Yes. The work is performed in your CompliDesk account, which is also where your program, audit trail and reporting live. The handling fee is charged on top of your plan, per file.
CompliDesk builds your program from a structured interview, and we can sit with you while you do it. What we will not do is hold your Compliance Officer appointment or conduct your independent evaluation while we are performing your CDD — the first is not permitted and the second would be a conflict of interest.

CompliDesk is compliance software and a compliance service provider, not a law firm. Nothing on this page is legal advice about your own obligations.