AML laws take effect 1 July 2026

Practical AML programs for real estate. Right-sized, not overbuilt.

Four Foxes Consulting helps small and medium agencies get AML ready ahead of July 1 – from drafting your program to health checks, AUSTRAC reporting and simple verification tools.

Book a quick chat View services $12.50 per check

Independent, on‑shore support, personalised service.

Most AML platforms are built for big groups and long contracts – we focus on fit‑for‑purpose programs, light processes and tools that suit your business.

Services

From first program draft to independent review.

Start where you are. Whether you need a first AML/CTF program, a bi‑annual health check, help with AUSTRAC reporting, or a full independent review, we can right‑size the work to your agency.

AML/CTF Program Setup (Parts A & B)
From $499

Designing a practical, documented AML program tailored to how your agency actually operates.

Part A – Framework
  • Review of regulatory guidance and AML risk considerations.
  • Assessment of your business model and operational structure.
  • Identification of key risks across customers, transactions and geography.
  • Development of a documented AML risk assessment and risk appetite.
  • Drafting or co‑designing your AML Program Part A (policies, procedures, controls).
Part B – CDD
  • Design of practical customer identification and verification processes.
  • CDD procedures that work with your existing workflows.
  • Guidance on verification options: manual, pay‑per‑use tools, low‑cost services, or full platforms.
  • Documentation of your AML Program Part B framework.

Delivered collaboratively so your program is usable day‑to‑day, not a binder that sits on a shelf.

Health Check (recommended bi‑annual)
From $399 + $8 / file checked

A review to confirm your program is in place and working as intended.

What we review
  • Existing AML documentation and program content.
  • Evidence of training and awareness across your team.
  • Sampling of onboarding and verification files (15% sample).
What you receive
  • Operational testing of key processes.
  • Practical recommendations prioritised by risk and effort.
  • A concise report you can table with your principals or governing body.

Designed to be repeated every 6 months to keep your program on track. Good timing is just before your Annual Compliance Report is due to AUSTRAC!

Independent Review
$1,999 + $20 / file checked

A deeper, independent review of your AML program, operations and evidence.

Scope
  • Review of AML/CTF Program Parts A & B.
  • Training compliance and competency checks.
  • Operational testing of key processes (25% sample from previous year).
Outcome
  • Detailed findings and remediation recommendations.
  • Report suitable for your governing body and AUSTRAC enquiries.
  • Optional follow‑up support to implement changes.

Independent Reviews are required every 2–3 years by an entity not involved in the setup or maintenance of your program. AUSTRAC will inform when your audit due, then give us a call.

Not sure where to start?See the full AML compliance journey — step by step, with costs at each stage.

See how it works →
Verify by Four Foxes

Verification without the platform lock‑in.

Alongside program work, we offer a simple, pay‑per‑check KYC/KYB tool built specifically for medium, small and boutique real estate agencies that don't want full‑blown enterprise software.

$12.50 per individual check with Four Foxes
Product spotlight

Verify powered by Four Foxes lets you send branded verification links to your clients, capture identification details, run KYC/PEP/sanctions checks and receive a complete audit trail – all billed per check, with no subscriptions or lock‑in contracts.

Use it as a verification tool that sits alongside existing manual processes, keeping your program right-sized to your business.

Visit Verify site Ask how Verify fits your program
Approach

Personalised, relationship‑first support.

Four Foxes Consulting started after seeing smaller agencies pushed toward expensive, complex compliance platforms that did not match their size, risk or budget. Instead of forcing one system, we focus on combining the right tools with practical processes that people can actually follow.

My background includes helping build operations and processes in an ASX‑listed business, and I bring that structure to independent agencies without the enterprise overhead. The aim is simple: meet AUSTRAC requirements in a way that fits how you work today, while building a foundation for ongoing reviews, audits and reporting.

BradFounder, Four Foxes Consulting
Get in touch

Still working through AML for July 1?

If you would like a practical, low‑friction way to get ready – or a second set of eyes on what you have – send a quick note below. We will reply personally and let you know what makes sense for your agency size and risk.

No spam. No pushy sales calls. Just a short, honest conversation about what you need.

Thanks for reaching out – we will be in touch shortly with next steps and options tailored to your agency.