WhiteLight AML is a trusted provider of anti-money laundering and counter-terrorism financing compliance solutions in Australia, offering tailored services to businesses across various industries. about-us Our Approach to Compliance At WhiteLight AML, we believe compliance should be practical, clear, and built to work in the real world - not just documented for regulators. Since 2016, our team of financial crime specialists has supported Australian organisations through AML and CTF risk assessments, program development, staff training and outsourced compliance services. By combining regulatory expertise with smart technology and streamlined processes, we help businesses manage their obligations with greater confidence and efficiency. As the regulatory landscape continues to evolve, particularly with the expansion of Tranche 2, organisations need more than policies. They need practical systems, ongoing guidance, and a compliance framework that supports their day-to-day operations. That’s the approach we bring to every engagement. Play Video meet-the-team The People Who Power WhiteLight Our AML experts. From program design to risk management, we're here to protect your business from financial crime. Colin Fannon Managing Director Lottie Hulme AML Consultant Tomas Jordan Sales Director Ellen Barry Customer Success Manager Nina Kehoe Operations Director Christina Graham Resource Management Lead Amber Stuart Head Of Marketing case-studies Case Studies Client Success Stories Outsourced 40 Entities Cleared In 72 Hours: Multi-Million Deal A leading investment fund needed urgent AML onboarding for 40 complex entities including trusts, investment funds and superannuation structures to progress a multi-million dollar deal. With just 10 days to deliver, WhiteLight AML completed the entire project in 72 hours, ensuring the transaction went ahead while saving the client significant time and cost. Learn more Project Services From Review To Resolution Following an Independent Review, an Australian Tier 2 bank committed to a large-scale AML/CTF remediation program consisting of 100+ uplift activities. WhiteLight AML was engaged to lead the program, manage Line 2 AML/CTF operations, and oversee multiple backlog remediations. Learn more Advisory Services From Global Search To Winning Solution We were engaged to lead a global review of AML/CTF technology to cut costs, boost efficiency, and keep pace with changing regulations. Given the organisation’s unique needs, we assessed 30+ international vendors, delivering a strategic, compliant procurement process that identified the best-fit solution. Learn more On Demand From 50,000 Alerts To Zero One of Australia’s leading gambling brands faced a backlog of ~50,000 unreviewed system-generated monitoring alerts. The board and regulator were notified immediately, and WhiteLight AML was engaged to plan and execute the remediation. Learn more our-partners Our Partners Powering Our End-To-End Compliance We know that delivering best-in-class AML/CTF compliance requires working with industry leaders in financial crime prevention. After reviewing global providers in AML advisory and technology, we’ve partnered with organisations whose expertise aligns with Australia’s evolving compliance landscape, especially under Tranche 2. Together, we are redefining AML compliance for the new regulatory era.

We deliver a full-service AML solution tailored to your business, managing everything from risk assessments and onboarding through to reporting and audits. Trusted by some of Australia's most regulated sectors. Unmatched Compliance. Outsourced Why Choose Our Outsourced Service? Managing AML obligations in-house can be complex, time-consuming, and a drain on resources. By outsourcing to WhiteLight AML, you gain a full-service partner who takes care of compliance end-to-end. We combine expert people, proven processes and advanced technology to deliver seamless AML/CTF operations, allowing you to focus on running and growing your business. With Whitelight AML’s outsourced services (AMLaaS), you gain peace of mind knowing that every aspect of your compliance program is handled by experts. Book in a call Outsourcing Unpacked Unmatched compliance, with zero compromise. Our AML as a Service (AMLaaS) model is designed to manage every element of your compliance framework. We start with comprehensive risk assessments to identify and categorise money laundering and terrorism financing risks relevant to your industry. From there, we design and maintain AML/CTF programs, policies and procedures that are practical, regulator-ready and always up to date. We provide staff training to ensure your team understands their obligations and can recognise red flags. Customer due diligence is handled using advanced technology from initial KYC and ID verification through to ongoing monitoring and watchlist screening. On top of this, we manage all reporting obligations, including suspicious matters, threshold transactions and international funds transfer instructions, ensuring you remain aligned with AUSTRAC requirements. Outsourcing with WhiteLight AML means you gain access to seasoned financial crime specialists supported by best-in-class technology. We deliver tailored solutions based on your industry and business size, whether you’re a small firm preparing for Tranche 2 or a larger enterprise seeking efficiency at scale. By trusting WhiteLight with your AML obligations, you reduce cost, lower risk and remove the distraction of managing compliance in-house. From program creation to daily operations, WhiteLight AML provides end-to-end support, giving you confidence that your compliance is managed to the highest standard. Comprehensive AML Risk Assessment Compliance Documentation Staff AML Training KYC Onboarding Ongoing Screening ECDD & Risk Rating View Our Outsourced Case Study "A highly responsive and supportive partner... at The Star Entertainment Group, we have had a large demand for support across the Financial Crime sector.... have supported our growth and impacted the nature of our workforce" Head of Financial Crime The Star Entertainment Group Book in a call

WhiteLight AML provides businesses large and small with a range of specialised AML compliance services designed to help them meet their anti-money laundering and counter terrorism financing (AML/CTF) obligations. Our mission is to make AML compliance as simple and time efficient as possible so you can focus on doing business. Services include Risk Assessment AML Program, policies development. Staff AML training Customer Identity Verification Ongoing Due Diligence compliance advice & audit Unmatched Compliance. Our Services WhiteLight AML specialises in providing comprehensive Anti-Money Laundering (AML) and Counter-Terrorism Financing (CTF) advisory services tailored to meet the unique needs of businesses operating in Australia. Our team of seasoned professionals is dedicated to assisting organisations in navigating the complexities of AML/CTF regulations, ensuring compliance, and safeguarding against financial crimes. Starter Kit Support & AML/CTF Program Implementation As part of our advisory services, we support businesses in applying AUSTRAC’s AML/CTF Program Starter Kits, which provide sector-specific guidance for newly regulated Tranche 2 entities. While the starter kits offer a strong regulatory framework, implementing them effectively requires careful interpretation and a clear understanding of how the requirements apply in practice. WhiteLight AML works with organisations to translate the AUSTRAC guidance into tailored, risk-based AML/CTF programs that align with both regulatory expectations and day-to-day operations. Our support spans AML/CTF program development, implementation, staff training, and ongoing compliance, ensuring programs are practical, scalable, and audit-ready. Outsourced For businesses wanting minimal day-to-day involvement, our AML as a Service outsourcing solutions handle everything. Comprehensive AML Risk Assessment Compliance Documentation Staff AML Training KYC Onboarding Ongoing Screening ECDD/Risk Rating Learn More Project Services Ideal for larger businesses or franchisors managing AML/CTF in-house, our best-practice solutions get you up and running fast. Remediation Fraud Review Procurement Learn More Advisory Services Need expert guidance or skilled AML/CTF professionals? We provide client advisory services to support your compliance needs. Third Party Risk Assessment EWRA Review AML Technology CRA FC Controls Audit Learn More On Demand Augmentation of teams with our best-in-class AML/CTF resources Augmentation of teams with our best-in-class AML/CTF resources Learn More Additional NextGen Technology View Our Technology Due Diligence Pro Source for KYC Get Started

WhiteLight AML provides businesses large and small with a range of specialised AML compliance services designed to help them meet their anti-money laundering and counter terrorism financing (AML/CTF) obligations. Our mission is to make AML compliance as simple and time efficient as possible so you can focus on doing business. Services include Risk Assessment AML Program, policies development. Staff AML training Customer Identity Verification Ongoing Due Diligence compliance advice &audit Unmatched Compliance. Our Services WhiteLight AML specialises in providing comprehensive Anti-Money Laundering (AML) and Counter-Terrorism Financing (CTF) advisory services tailored to meet the unique needs of businesses operating in Australia. Our team of seasoned professionals is dedicated to assisting organisations in navigating the complexities of AML/CTF regulations, ensuring compliance, and safeguarding against financial crimes. Starter Kit Support & AML/CTF Program Implementation As part of our advisory services, we support businesses in applying AUSTRAC’s AML/CTF Program Starter Kits, which provide sector-specific guidance for newly regulated Tranche 2 entities. While the starter kits offer a strong regulatory framework, implementing them effectively requires careful interpretation and a clear understanding of how the requirements apply in practice. WhiteLight AML works with organisations to translate the AUSTRAC guidance into tailored, risk-based AML/CTF programs that align with both regulatory expectations and day-to-day operations. Our support spans AML/CTF program development, implementation, staff training, and ongoing compliance, ensuring programs are practical, scalable, and audit-ready. Outsourced For businesses wanting minimal day-to-day involvement, our AML as a Service outsourcing solutions handle everything. Comprehensive AML Risk Assessment Compliance Documentation Staff AML Training KYC Onboarding Ongoing Screening ECDD/Risk Rating Learn More Project Services Ideal for larger businesses or franchisors managing AML/CTF in-house, our best-practice solutions get you up and running fast. Remediation Fraud Review Procurement Learn More Advisory Services Need expert guidance or skilled AML/CTF professionals? We provide client advisory services to support your compliance needs. Third Party Risk Assessment EWRA Review AML Technology CRA FC Controls Audit Learn More On Demand Augmentation of teams with our best-in-class AML/CTF resources Augmentation of teams with our best-in-class AML/CTF resources Learn More Additional NextGen Technology View Our Technology Due Diligence Pro Source for KYC Get Started

WhiteLight AML is Australia's leading provides comprehensive anti-or of money laundering and counter-terrorism financing compliance solutions for Australian businesses, offering tailored outsourced services, advanced technology and expert advisory support. Unmatched Compliance. Zero Compromise. Trusted AML/CTF partner, simplifying the complexities of compliance, letting you focus on what you do best. Without compromise. Current Entity Tranche 2 Tranche 2 Is Coming - Let's Get You Ready Take The First Step In Your Tranche 2 Journey Tranche 2 AML reforms don’t have to slow you down. WhiteLight AML simplifies compliance, ensuring your business stays on track without compromising momentum. From Risk Assessments and AML Program development to AML as a Service (AMLaaS), outsourced Know Your Customer (KYC), ongoing watchlist screening, Enhanced Customer Due Diligence (ECDD), staff AML training and expert AML advice, we have the solution. Book in a call Trusted by Leaders. Backed by Results. With You Every Step Of The Way We understand the demands of your day, that’s why we’ve created AML solutions designed to keep you in control regardless of where you’re at in your journey. Outsourcing For businesses wanting minimal day- to-day involvement, our AML as a Service (AMLaaS) outsourcing solutions handle everything needed to meet your AML/CTF obligations Project Services Ideal for larger businesses or franchisors managing AML/CTF in-house, our best-practice solutions get you up and running fast. Advisory Services Need expert guidance or skilled AML/CTF professionals? We provide client advisory services to support your compliance needs. On Demand Augmentation of teams with our best-in-class AML/CTF resources Explore my options Proudly Australian Owned. Why It Matters. WhiteLight AML is proudly a certified Australian-Owned business. As a company dedicated to supporting Australian businesses with AML/CTF compliance, we believe it’s essential that our services are delivered by an Australian-Owned business based in Australia. Current Reporting Entity? Looking For Support? From Risk Assessments and AML Program development to AMLaaS (outsourced KYC, ongoing watchlist screening and ECDD), staff AML training and expert AML advice, we’ve got you covered. Book in a call FRAUDCAST Compliance Conversations Play Video Play Video About Us WhiteLight Play Video Play Video Introducing FraudCast WhiteLight AML’s new interview series where Australia’s sharpest minds in financial crime, AML/CTF, and risk speak freely. Most AML conversations are too safe, too polished, or too buried in jargon. We’re changing that. No spin. No BS. Just real talk from the people who’ve seen this industry from the inside. FraudCast cuts through - exploring what’s working, what’s broken, and what’s next in compliance, and a few great stories told along the way. Play Video Play Video Child Exploitation Material Behind every transaction linked to CEM (Child Exploitation Material) is a victim. Lauren Ibbotson joins our founder, Colin Fannon to explore how CEM networks operate, how money moves through these systems, and how AML reforms will strengthen Australia’s ability to detect and prevent this harm. This is a confronting topic. It’s also one every parent needs to understand. Play Video Play Video Outsourcing vs. Insourcing As Tranche 2 approaches, many reporting entities are asking the same question: Do we do it all ourselves, or do we look to the specialists? For this week’s episode, we focused on the potential solutions businesses have to meet their AML/CTF obligations and why outsourcing is becoming a critical solution for many upcoming Tranche 2 reporting entities. Lauren and our founder, Colin Fannon explore what effective outsourcing looks like, the common misconceptions, and how specialist support can strengthen accuracy, consistency, and scalability. Play Video Play Video The Future of AML Careers Tranche 2 is set to open one of the biggest waves of new roles Australia’s AML sector has ever seen, creating career pathways for analysts, advisors, technologists, and those ready to step into a growing, in-demand field. And while AI will reshape the way compliance work gets done, one truth remains: humans understand humans. Technology can support the process, but it can’t replace the investigative skills, the empathy and the intuition needed to detect real risk. If you’re considering a future in AML, this episode is your starting point. Menu Close Home Current Entity Book A Consult Tranche 2 Book A Consult Key Dates Services All Services Outsourced Project Services Advisory Services On Demand Employee Due Diligence Staff Training Technology Due Diligence Pro Source for KYC About Meet The Team Case Studies Our Partners FraudCast Blog Search Results Download Your Free Guide to AML Download

Explore our outsourced AML case study showcasing AMLaaS delivery, risk-based CDD, ongoing monitoring and AUSTRAC-compliant frameworks. Outsourced Service Case Study 40 Entities Cleared in 72 Hours: Multi-Million Deal Secured 40 Entites Cleared 72 Hour Turnaround 320+ Hours Saved 10,000+ Cost Savings At A Glance A leading investment fund needed urgent AML onboarding for 40 complex entities including trusts, investment funds and superannuation structures to progress a multi-million dollar deal. With just 10 days to deliver, WhiteLight AML completed the entire project in 72 hours, ensuring the transaction went ahead while saving the client significant time and cost. Challenges 40 entities with highly complex ownership structures A non-negotiable 10-day deadline tied to a multi-million dollar investment deal High regulatory and reputational risk if onboarding was delayed or incomplete No internal AML capacity to deliver at the required speed and scale Solutions WhiteLight AML mobilised a dedicated outsourcing team, supported by secure ID verification technology, to manage the end-to-end process. Investor details were collected, corporate structures unpacked, and secure digital IDV links distributed. WhiteLight AML mobilised a dedicated outsourcing team, supported by secure ID verification technology, to manage the end-to-end process. Investor details were collected, corporate structures unpacked, and secure digital IDV links distributed.Our experienced AML analysts worked exclusively on the project, reviewing and verifying every entity to an audit-ready standard. All 40 entities were cleared within 72 hours, comfortably beating the deadline and giving the client the assurance and transparency required by both regulators and investors. Requirements Stage One 40 entities needed clearance in under 10 days to secure a multi-million dollar deal. Mobilisation Stage Two WhiteLight AML deployed its outsourcing team and leveraged secure IDV technology to collect and verify investor data. Execution Stage Three 40 complex entities reviewed and cleared in 72 hours, delivering audit-ready compliance without delays or errors. The WhiteLight AML Advantage By outsourcing to WhiteLight AML, the client turned an impossible deadline into a seamless delivery. Combining best-in-class technology with a skilled AML team, we reduced weeks of work to three days. The client has since established a dedicated AML outsourcing arrangement with WhiteLight, ensuring gold-standard, regulator-ready compliance for future transactions.

Read our AML remediation case study: how we helped a major Australian brand resolve 50,000 unreviewed alerts and satisfy board and regulator expectations. On Demand Case Study From 50,000 Alerts to Zero: AML Remediation in Action At A Glance One of Australia’s leading gambling brands faced a backlog of 50,000 unreviewed system-generated monitoring alerts. The board and regulator were notified immediately, and WhiteLight AML was engaged to plan and execute the remediation. Challenges Significant backlog of alerts creating regulatory and operational risk Pressure from the board and regulator for rapid resolution Need for scalable resources and consistent reporting Solutions WhiteLight AML partnered with the client’s Line 1 & 2 teams to scope and deliver the remediation. A tailored remediation procedure and workflows were created, including target cycle times, templates, and reporting frameworks. A team of 30 financial crime analysts was mobilised within three weeks, led by a senior WhiteLight consultant and AML SME/manager, with weekly reporting provided to the board and regulator. Discovery Stage One Scoped the backlog, applied a risk-based prioritisation model, and designed remediation workflows, templates and reporting requirements. Execution Stage Two Deployed a 30-analyst remediation team within three weeks. Delivered the full remediation within four months, on time and on budget, while maintaining transparent reporting to stakeholders. Assurance Stage Three A Big 4 audit team was engaged to conduct post-remediation assurance. The program passed with no material findings, and the regulator closed the matter. The WhiteLight AML Advantage Our Remediation as a Service (RaaS) model provides clients with rapid access to proven processes, remediation expertise and analyst resources. It enables high-quality, regulator-ready remediation projects that stand up to post-completion assurance and restore stakeholder confidence.

Tranche 2 is here. WhiteLight AML helps accountants, lawyers, real estate & crypto businesses get ahead -with expert support, tech, and no compromise compliance. Tranche 2 Starts Here Unlock Your AML Compliance At WhiteLight AML, our mission is to simplify AML/CTF compliance for businesses of all sizes so you can focus on your clients. From AML outsourcing and technology solutions to expert advice, program health checks, and risk assessments - we’re here to help. Complete the form below to get started. tranche2-book-a-consult Get Started key-dates Your Tranche 2 Timeline Ongoing updates, guidance, and monitoring will continue as AUSTRAC ensures businesses are meeting their obligations. AUSTRAC will meet with industry groups and release guidance to help affected businesses prepare. By the end of the year, tailored guidance for each industry will be available. Official registration opens for all businesses covered by Tranche 2. This is when you need to enrol with AUSTRAC Virtual asset service providers (like cryptocurrency exchanges) must be enrolled by this date. The new rules officially start. From this date, businesses covered by Tranche 2 must: Have an AML/CTF program in place Check and verify customer identities Report suspicious activity and certain transactions to AUSTRAC Keep proper records Ongoing updates, guidance, and monitoring will continue as AUSTRAC ensures businesses are meeting their obligations.

Explore how WhiteLight AML's Due Diligence Pro ECDD solution provides comprehensive investigations functionality, ensuring informed decision-making and compliance for Australian businesses DDPro Due Diligence Pro Book in a demo All-in-one AML Compliance Platform At WhiteLight AML, we deliver compliance through Due Diligence Pro (DDPro) - our proprietary all-in-one AML platform. DDPro centralises every compliance obligation into a single, intuitive system, giving businesses a faster, smarter and regulator-ready way to manage AML/CTF requirements. Key Features Why WhiteLight AML? Technology alone isn’t enough. What makes DDPro powerful is how WhiteLight AML delivers it - combining our all-in-one platform with the expertise of AML/CTF specialists. The result is compliance that is efficient, auditable and tailored to your business. Streamlined KYC & CDD WhiteLight AML Support Enhanced ECDD & Risk Rating Unusual Matter Reporting (UMR) Staff Training & Recordkeeping Centralised AML Documentation

Discover our AML/CTF advisory case study and learn how WhiteLight AML delivered tailored strategic compliance support with measurable results. Advisory Services Case Study From Global Search to Winning Solution AML Strategic Technology Review 50,000 Alerts Remediated 30 Analysts 4 Months Completed Audit Approved By Big 4 At A Glance One of Australia’s largest wagering platforms launched a strategic review of its financial crime technology in response to rising costs and evolving regulatory requirements. WhiteLight AML was engaged to lead the review, evaluate global vendors and guide the procurement process. Challenges Escalating compliance technology costs Need to assess global AML/CTF vendor solutions against future regulatory needs Requirement for robust procurement governance and audit trail Solutions WhiteLight AML chaired the review project, leading a cross-functional team of compliance, operations, technology and procurement staff. A detailed RFI document was created through workshops, functional analysis and future needs mapping, informed by WhiteLight AML’s deep expertise in screening, CDD, transaction monitoring and reporting. Over 30 vendors from around the world were assessed in an initial pass, narrowed down to a shortlist of 10. These vendors were scored against the RFI requirements, and the top three presented detailed demonstrations to the review team. Throughout the process, WhiteLight AML ensured clear governance, documentation and fortnightly reporting to procurement and senior compliance stakeholders. Analysis Stage One Designed a vendor review framework aligned with both strategic goals and procurement requirements. Produced a comprehensive RFI capturing current gaps and future needs. Execution Stage Two Evaluated 30+ global AML/CTF technology vendors, shortlisted 10, scored RFI responses, and facilitated detailed demonstrations from the top three. Review Stage Three Maintained probity and a full audit trail, with progress reported via fortnightly control group meetings. Enabled clear, defensible vendor selection and regulator-ready documentation. The WhiteLight AML Advantage WhiteLight AML brings decades of experience helping BFSI and gambling organisations assess, design and implement financial crime technology. By combining operational expertise, lean process design and robust procurement frameworks, we deliver strategic reviews that withstand scrutiny and set businesses up with future-ready compliance solutions.

Discover WhiteLight AML's advanced solutions for remote aml compliance audit, tailored for businesses needing efficient compliance oversight. DDPro & KYC Technology Built For Compliace At WhiteLight AML, our mission is to simplify AML/CTF compliance for businesses of all sizes so you can focus on your clients. From AML outsourcing and technology solutions to expert advice, program health checks, and risk assessments - we’re here to help. Complete the form below to get started. NextGen Technology for AML Compliance WhiteLight AML leverages best-of-breed technology to deliver compliance that is both effective and efficient. By combining automation, artificial intelligence and advanced analytics, we streamline critical processes such as Know Your Customer (KYC), watchlist screening and Enhanced Customer Due Diligence (ECDD). These tools make compliance not only more thorough, but also more cost-effective often achieving better results at a lower cost than managing everything in-house. With WhiteLight AML, your compliance is seamless, scalable and ready to adapt to an ever-changing regulatory landscape. Book in a call Due Diligence Pro (DDPro) Our proprietary Due Diligence Pro (DDPro) platform brings every aspect of AML compliance into a single, intuitive view. Risk assessments, customer verification, ongoing monitoring and reporting are all consolidated, giving you clarity, efficiency and complete oversight. Learn more Source Streamlined KYC For seamless KYC, we use Source, a market-leading platform that combines real-time ID verification, secure document collection and automated risk scoring. Customers are onboarded in minutes, not days, with audit-ready results every time. Learn more

WhiteLight AML provides expert-led advisory services to help businesses meet their AML/CTF obligations with confidence. From independent reviews and program uplift to ongoing monitoring, policy development and staff training, we tailor our support to your needs. Whether you're starting fresh, responding to a regulator, or strengthening existing frameworks, our advisors deliver practical, audit-ready compliance solutions that make sense in the real world. Unmatched Compliance. Advisory Services Why Choose Our Advisory Services? WhiteLight AML provides the clarity and confidence you need to meet your AML/CTF obligations. Our advisory team combines regulatory expertise with commercial insight to give you practical solutions, not just theory. Book in a call Advisory Services Unpacked Our advisory services span the full spectrum of AML/CTF needs. We support businesses in managing third-party risk by assessing exposure across vendors, partners and affiliates, ensuring relationships don’t create hidden vulnerabilities. We conduct enterprise-wide risk assessment reviews to refresh and validate your EWRA, making sure it reflects current threats, products, geographies and customer profiles in line with AUSTRAC expectations. We also design and update AML/CTF Programs that are regulator-ready yet practical for day-to-day operations, tailoring policies and procedures to fit your business model. Where frameworks need strengthening, our AML uplift service provides clear remediation roadmaps and hands-on support to close gaps and raise standards quickly. Beyond this, we review the effectiveness of financial crime controls from transaction monitoring to sanctions screening ensuring they remain proportionate, risk-based and operationally sound. And when you need independent assurance, we deliver independent reviews and audits of your AML/CTF arrangements, providing transparent reporting and actionable recommendations that stand up to regulatory scrutiny. Whether you are preparing for Tranche 2 reforms or seeking assurance on established frameworks, WhiteLight AML brings unmatched expertise and a practical approach to keep you compliant and resilient. Third Party Risk Assessment EWRA Review AML Technology CRA FC Controls Audit View Our Advisory Services Case Study "I have every confidence the team will deliver to their exceptionally high standards. What’s more, they are genuinely lovely people to converse and do business with." Head of Internal Audit, Risk & Compliance Ausgrid Book in a call