Introduction
When we set out to build AML Assured, we made one decision early that shaped everything else: we would only ever build for real estate.
Not real estate and mortgage broking. Not real estate and accounting. Not a compliance platform for financial services that bolted on a "real estate module" once Tranche 2 became inevitable.
Real estate. Exclusively. From the first line of code.
That focus drives every integration we build — including this one.
The problem with compliance that lives outside your workflow
Ask any principal who's tried to run compliance through a separate system and they'll describe the same thing: a second login their agents forget, a dashboard nobody checks, and a process that feels like admin on top of admin.
The agents who are most resistant to AML compliance aren't resistant to compliance itself. They're resistant to friction. One more system. One more place to go. One more thing to remember between appointments.
The problem isn't the compliance requirement. It's where compliance lives.
If your identity verification sits in a separate portal, it will always feel like extra work, because it is. The agent finishes entering a listing in LockedOn, then has to go somewhere else to start the KYC check. Separately. Manually. Every time.That's the gap we built this integration to close.
Why LockedOn
When we looked at bringing AML compliance natively into LockedOn, the question wasn't just who had the most users — it was whose architecture would actually allow compliance to feel native to the workflow, not grafted on top of it.
LockedOn stood out for one reason above all others: the way their platform organises data maps almost exactly onto the way AML Assured organises compliance obligations.
In AML Assured, every identity check, risk flag, suspicious matter report, and compliance record belongs to the property transaction it relates to. We call this the Property and Listing Umbrella — the idea that compliance is a property-level obligation, not a contact-level one. The same transaction might involve the same vendor you've dealt with for twenty years. That doesn't change the obligation. Every transaction needs its own verification.
LockedOn structures its data the same way. Everything lives under the property file. The listing is the source of truth. That alignment made a genuine, seamless integration possible — not a workaround, not a sidebar, not a compliance widget bolted onto the side of the screen.
What the integration actually does
The experience for an agent is this: they open a property file inside LockedOn. The vendor's contact details are already there. When they're ready to run the KYC check, they hit one button. AML Assured runs the verification. The result — Verified, or flagged for review — comes back automatically and sits inside the same property file they're already working in.
No tab switching. No copy-pasting. No re-entering client details that already exist in the CRM. No separate dashboard to check at the end of the week.
The compliance record stores itself. The agent's attention stays on the transaction.
From the moment they hit Begin to a green Verified badge: about 30 seconds.
That's what "built into your workflow" actually means. Not that the logo appears on the login screen. Not that there's an export button somewhere. The work happens where your team already is.
Everything else your agency needs before 1 July
The LockedOn integration handles the KYC side of compliance, but AUSTRAC's Tranche 2 requirements go further than identity verification alone. Before 1 July 2026, every Australian real estate agency needs to have in place:
- An AML/CTF Programme documenting your compliance obligations
- Appointing a designated AMLCO (AML Compliance Officer)
- A Risk Assessment specific to your agency and the clients you work with
- Staff training — every sales agent, not just the principal
- Customer Due Diligence processes for every transaction
- A Suspicious Matter Reporting process with the required 3-day turnaround
- Seven years of record keeping
AML Assured covers all six
The programme and risk assessment generate automatically based on your agency setup. Staff training runs in short, role-specific modules agents can complete between appointments — and you and your team receive a certificate after completion. And with the LockedOn integration live, the transaction-level compliance side runs from inside the CRM your team is already using every day.
The billing question principals always ask
Verification checks aren't free to run — and most principals don't want to absorb that cost indefinitely. AML Assured gives you two options, and you can switch between them without changing your plan:
Client-Pay
The vendor or buyer receives a branded payment link and completes the check themselves. The cost never touches your agency's books.
Agency-Pay with Invoicing
You purchase verification packs upfront and recover the cost through your own invoicing process. Full control over how it's presented to the client.
Both options are available from day one, inside the same platform.
One more thing about timing
Through the LockedOn partnership, AML Assured is available free for all LockedOn agencies until 1 July 2026. No credit card. No lock-in contract.
Agencies that set up now will have their programme in place, their team trained, and their workflow running before the deadline. Agencies that wait until June will be building a compliance system in the middle of their busiest trading period.
The window to do this calmly is now.
Or if you'd rather see it live inside a real property file first, book a 15-minute walkthrough with our team.AML Assured is Australia's only end-to-end AML compliance platform built exclusively for real estate agencies. The LockedOn × AML Assured integration will be available in the coming weeks — stay tuned!