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Syntrico

Software by Syntrico

Australian AML/CTF platform sold as AML Guardian by Syntrico Pty Ltd, an NSW company registered in November 2025 and GST registered from January 2026. It is marketed to real estate agents, lawyers, conveyancers, accountants, trust and company service providers and precious metal dealers, and priced as a pay-as-you-go plan or as monthly packages that include a KYC allowance. ## What the pl

Checked 8 October 2026Data residency: australia

Where it is stronger

Capabilities verified here that fewer than half of comparable offerings are verified on. Worked out from the data, not written by hand.

  • Automated transaction monitoring (bank-style rules)2 of 16 others
  • Expired document alerts3 of 16 others
  • Threshold transaction reporting5 of 16 others
  • Adverse media screening7 of 16 others
  • Suspicious matter report workflow7 of 16 others
  • Evidence pack export7 of 16 others

Where it is weaker

Recorded with the same care as the capabilities, and not softened.

  • Partly meets the Tranche 2 measure: Risk assessed per designated service.Vendor states the business-wide risk assessment identifies products and services alongside customers, delivery channels and geography, with review triggers for changes in business or services; a separate risk rating per designated service is not described.
  • Partly meets the Tranche 2 measure: Ongoing monitoring triggered by designated service and risk.Vendor states ongoing monitoring runs periodic PEP and sanctions screening, reminders for document expiry and re-verification, and alerts on high-risk client changes; a CDD re-review triggered by a new designated service is not described.
  • Partly meets the Tranche 2 measure: Versioned AML program and CDD records.Vendor states AML/CTF programs carry versioning and version history; versioned CDD records are not described.
  • Partly meets the Tranche 2 measure: Escalation to AMLCO or manager with outcome recorded.Vendor states monitoring alerts convert into investigation cases with outcomes and audit trails recorded through to closure, and the program defines escalation roles and approvals; routing a staff-raised escalation to the AMLCO or a manager in the product is not described.
  • The published privacy policy and terms of service cover only the pre-launch waitlist and describe AML Guardian as a forthcoming product; no privacy policy or service terms covering customer data in the live platform are published.
  • Package check allowances cover KYC only; every KYB check is charged on top of the subscription.

Statement of capabilities

Every tracked requirement for AML/CTF & Financial Crime, shown whether or not we could establish it.

  • Verified
  • Partial
  • No
  • Not established

1Program & Governance

3 of 5

  • 1.1AML/CTF program creationVerified
  • 1.2AML risk assessmentVerified
  • 1.3Program maintenance and reviewPartial

    Vendor states the program builder supports versioning and updates and lets the firm configure review triggers for changes in its business or services; effectiveness testing with a corrective-action loop is not described.

  • 1.4Independent evaluation support (s84)Partial

    Vendor states the program build includes setting the review cadence and the independent evaluation approach; scheduling or tracking the evaluation itself is not described.

  • 1.5Staff trainingVerified

2CDD & Entity Work

3 of 5

  • 2.1Customer due diligenceVerified
  • 2.2Know-your-business (entity checks)Verified
  • 2.3Beneficial ownership and controlVerified
  • 2.4Enhanced due diligencePartial

    Vendor states the platform flags automatically when enhanced due diligence is required and records the assessment decision; structured source-of-funds and source-of-wealth capture is not described.

  • 2.5Reliance arrangementsNot established

3Identity Verification

1 of 3

  • 3.1Electronic identity verificationVerified
  • 3.2Biometric liveness and face matchNot established
  • 3.3Document Verification Service (DVS) accessNot established

4Screening & Monitoring

4 of 4

  • 4.1PEP and sanctions screeningVerified
  • 4.2Adverse media screeningVerified
  • 4.3Ongoing customer monitoringVerified
  • 4.4Automated transaction monitoring (bank-style rules)Verified

    Vendor states it monitors transactions using automated rules, flagging possible structuring when several mid-value transactions occur in a short period and frequent transactions between set threshold amounts; whether transactions arrive from a feed or are entered by hand is not described.

5Tranche 2 Operations

1 of 7

  • 5.1Risk assessed per designated servicePartial

    Vendor states the business-wide risk assessment identifies products and services alongside customers, delivery channels and geography, with review triggers for changes in business or services; a separate risk rating per designated service is not described.

  • 5.2Ongoing monitoring triggered by designated service and riskPartial

    Vendor states ongoing monitoring runs periodic PEP and sanctions screening, reminders for document expiry and re-verification, and alerts on high-risk client changes; a CDD re-review triggered by a new designated service is not described.

  • 5.3Program obligations calendarNot established

    Vendor states it sends automated reminders and flags upcoming SMR, TTR and IFTI deadlines; due dates for program review, effectiveness checks, the AMLCO report to the governing body or the independent evaluation are not described.

  • 5.4Versioned AML program and CDD recordsPartial

    Vendor states AML/CTF programs carry versioning and version history; versioned CDD records are not described.

  • 5.5Escalation to AMLCO or manager with outcome recordedPartial

    Vendor states monitoring alerts convert into investigation cases with outcomes and audit trails recorded through to closure, and the program defines escalation roles and approvals; routing a staff-raised escalation to the AMLCO or a manager in the product is not described.

  • 5.6Expired document alertsVerified

    Vendor states ongoing monitoring sends automated reminders for document expiry and re-verification.

  • 5.7Reliance CDD requests sent and receivedNot established

6Reporting & Control

2 of 4

  • 6.1Suspicious matter report workflowVerified

    Vendor states it prepares AUSTRAC-aligned suspicious matter reports with full audit history and converts monitoring alerts into cases for investigation and reporting; the output format is not stated.

  • 6.2AUSTRAC SMR XML exportNot established
  • 6.3Tipping-off controls (s123)Not established
  • 6.4Threshold transaction reportingVerified

    Vendor states it generates threshold transaction reports and flags upcoming TTR deadlines; the output format is not stated.

7Evidence & Extensibility

1 of 3

  • 7.1Evidence pack exportVerified

    Vendor states every check, risk assessment, case and policy update is time-stamped and logged, and compliance reports and audit trails can be generated with a single click.

  • 7.2Immutable audit logNot established
  • 7.3API accessPartial

    Vendor states API and system integrations are part of the custom-priced Enterprise tier; no public API documentation is published.

  • 7.4Where customer data is storedAustralia
  • 7.5Where customer data is processedNot established

Integrations

  • Zoho CRM

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AML/CTF software and services support compliance with the AML/CTF Act and Rules. Nothing on this page is legal advice, and no provider is certified, endorsed or approved by AUSTRAC unless independently evidenced.