Compliance that moves with the transaction.
Indium OS turns AML/CTF obligations into a live, stateful workflow across vendor CDD, buyer CDD, EDD escalation, training, reporting, and seven-year record retention.
“Workflow-level automation. Not a document library. Not a quarterly training reminder. A live, stateful, role-gated system that moves with the transaction.”
Why point-in-time documents fail
Traditional compliance relies on static folders and retrofitted checklists. When AUSTRAC audits your agency, isolated files fail to prove operational compliance.
Point-in-time compliance documents
- •Static: Becomes obsolete the moment it is printed. PEP/sanctions lists change daily.
- •Folder-based: Scatters PDF identity proofs in local drives, creating severe data breach risks.
- •Hard to audit: No chronological log linking individual listings to risk decisions.
- •Disconnected: CRM stages remain unlocked even when beneficial ownership remains unresolved.
- •Manual follow-up: Relies on busy agents chasing paperwork, leading to delayed listings.
- •Delayed discovery: Money laundering risk is uncovered post-settlement, after legal liability is locked.
Indium OS active compliance
- •Transaction-triggered: Compliance runs continuously in the background, matching every CRM listing event.
- •Role-gated: Frontline agents collect data while independent compliance officers hold approval.
- •Evidence-linked: Documents, DVS results, and sanctions traces are cryptographically linked to the transaction.
- •Risk-scored: Dynamic algorithms compute real-time risk profiles from client, entity, and funds variables.
- •Legally escalated: High-risk matters route automatically to the Compliance Console for legal review in a single click.
- •Audit-ready: Provides instant downloads of time-stamped, unalterable compliance packages.
- •7-Year retention: Retains all verification evidence securely within AWS Sydney, satisfying Tranche 2 laws.
The 14-Stage AML/CTF workflow
Every property onboarding triggers a sequential, 14-stage compliance pipeline. Progress is locked and tracked immutably. Hover over any stage to inspect the control parameter.
Matter Created
Automated trigger on CRM listing sync or appraisal initiation.
Client Onboarding
Secure, role-gated portal link dispatched to vendor or buyer.
ID Documents Received
Encrypted document uploads (Passports, Medicare, Trust deeds).
DVS Gateway Verification
Real-time, direct matching against official government registers.
Entity Resolution
ASIC company registry traces and corporate structure resolution.
Beneficial Ownership
Ultimate Beneficial Owner (UBO) identification and verification.
PEP & Sanctions
Continuous screening against DFAT, OFAC, and global watchlists.
Source-of-Funds Review
Transaction layering analysis and capital origin validation.
Risk Score Generated
Dynamic mathematical rating based on entity, region, and value.
EDD Trigger Check
Enhanced Due Diligence check for high-value or complex structures.
Legal Review Routing
Automated escalation of complex files to privileged legal counsel.
SMR/TTR Preparation
Drafting of suspicious matter or threshold transaction reports.
Cleared to Proceed
Immutable sign-off and CRM lock removal for compliant transactions.
7-Year Record Retention
Hash-chained, tamper-evident audit retention in AWS Sydney (ap-southeast-2).
Vendor and Buyer CDD separation
Tranche 2 regulations mandate distinct compliance triggers. Indium OS automatically separates these workflows while aggregating their documentation under the transaction ledger.
Triggered at Listing Agreement
Vendor Customer Due Diligence (CDD) begins immediately when an appraisal is won and a listing is scheduled. This guarantees that your agency is fully cleared before marketing assets go live.
Triggered at Offer Submission
Buyer CDD is triggered the moment an offer is received in the CRM. This prevents complex or high-risk buyers from stalling exchange while keeping your trust account liabilities fully mitigated.
EDD & legal escalation console
When a dynamic risk score triggers an Enhanced Due Diligence (EDD) alert, Indium OS isolates the matter and compiles a secure evidence packet.
With a single click, compliance officers can escalate high-risk files directly to the Compliance Console. Files are reviewed under legal professional privilege, establishing an institutional shield of protection for your agency principal.
Tranche 2 AML/CTF Core Certification
Role-specific training & records
Tranche 2 legislation mandates regular compliance training for all frontline real estate staff.
Indium OS integrates a role-specific academy directly into the platform workspace. Frontline sales agents, property managers, and administrative staff complete modular compliance quizzes that are automatically recorded to your training register, keeping your roster audit-ready without leaving the CRM shell.
Unalterable audit trails & reporting
Never scramble for audit evidence. Indium OS tracks and signs every compliance event, verification status, and legal decision immutably.
Active Risk Register
Real-time tracking of threat levels, control effectiveness, and residual risk indexes across your entire branch network, updated on every listing event.
Immutable Audit Trail
Every DVS check, PEP screening, and status change is logged chronologically with cryptographic hashes, proving program adherence to AUSTRAC.
Exportable Packs
Download a comprehensive, certified compliance program bundle containing independent audit ledgers and training histories in a single click.
High-fidelity dashboard simulator
We do not rely on abstract graphics. Click the tabs below to inspect the actual, role-gated product interfaces that power the Indium OS compliance ecosystem.
Total Active Matters
Awaiting compliance verification
| Entity Name | Type | Risk Level | CDD Status |
|---|---|---|---|
| Williams Family Trust | Discretionary Trust | High | In Review |
| Sarah Vance | Individual | Low | Cleared |
Regulatory & Compliance Boundary
Disclaimer: Indium OS structures and evidences AML/CTF workflows. Legal advice, audit reviews and regulatory submissions remain subject to qualified human review. Real estate agencies remain individually responsible for registration, human audit reviews, and regulatory submissions to AUSTRAC under the AML/CTF Act amendments commencing 1 July 2026.