Your AML/CFT annual report, sorted — start free
The reporting window is 1 July – 31 August. There are no extensions.
Every DIA-supervised business — real estate agencies, law firms, conveyancers, accountants, trust & company service providers — must file an annual report through AML Online by 31 August, and must hold a written risk assessment and AML/CFT programme behind it. Ten minutes of plain-English questions gets you your filing answers, formatted and ready — and a scorecard showing whether the documents behind them would stand up.
Get my answers free →No sign-up to see your results. Your answers stay in your browser unless you email yourself a copy. There's also a free 10-minute training quiz — scored, with a record for your training register.
Led by a chartered accountant — CA ANZ member, qualified twenty years, across NZ practice, UK audit and government finance. Every plan includes our sector compliance-update emails.
How it works
Answer plain-English questions
About ten minutes, no paperwork needed to hand. The statutory language stays on our side of the curtain.
Get your answers + scorecard instantly
Your AML Online answers formatted section by section, plus a red/amber/green scorecard across your risk assessment, programme, audit clock and CDD triggers.
Upgrade only if something's red
Green? File and get on with your year. Red? The packs below fix exactly what's flagged — generated for your firm from the answers you already gave.
Plans
Annual report tool
Free
- Plain-English questions, about 10 minutes
- Your AML Online answers, formatted and ready to type in
- Compliance scorecard — risk assessment, programme, audit clock, CDD triggers
- No sign-up to see results
- Plus: the free 10-minute training quiz — scored, with a record for your training register
Report Pack
NZ$249 one-off
Enough on its own to get your annual report filed properly — the upgrades are optional, not required.
- Everything in the free tool
- Full working paper — the evidence and reasoning behind every answer, filed with your records for your next audit
- Click-by-click AML Online filing walkthrough
- Deadline reminders this window + next year's calendar
- Email support while you file
- Covers whichever filing window falls next — answers stay on file; repeat next year for the same NZ$249
Compliance Pack
NZ$595 one-off
Everything in the Report Pack, plus:
- s.58 risk assessment & s.57 programme written for your firm from your answers — not a template
- Annual report answers + CDD register, and your compliance calendar (.ics)
- Live compliance workbook (Excel) — CDD, training, findings, EDD, SAR and vetting registers with your entries already filled in, plus a compliance-officer checklist of your year
- Working-tools guide — new-customer step-by-step, red-flags desk card, training refresher, goAML walkthrough — plus your s.56 compliance-officer designation record, CDD request letter and beneficial-ownership declaration templates
- 12 months of email support and regulatory-change alerts for your sector
- Then optional: NZ$349/yr keeps documents current + support running
With a chartered accountant
NZ$995 then NZ$495/yr or NZ$49.95/mo
Everything in the Compliance Pack, plus:
- Documents reviewed and finalised with you in a working session
- This year's annual report prepared and filed together
- Priority support line
- 50% to begin, 50% on your approval — nothing filed before you've confirmed it
Why the documents matter more than the report
The annual report itself is around sixty questions about your business — though not all of them apply to any one firm — and the free tool and the Report Pack handle those properly. What DIA actually penalises is what sits behind the answers: a missing or generic risk assessment (s.58), a programme that doesn't match how the firm really works (s.57), and audits that quietly went overdue (every 3 years, s.59). Those are the documents the Compliance Pack builds — from your answers, for your firm.
Questions people actually ask
Am I even captured by the AML/CFT Act?
If you're a real estate agency, law firm, conveyancer, accounting or bookkeeping practice, or you provide trust & company services, very likely yes — DIA supervises all of these. If you're genuinely not sure, ask us — we'll tell you straight, and we won't invoice you for a report you don't have to file.
Our self-serve packs are built for all five DIA-supervised sectors we name: real estate agencies, law firms, conveyancing practices, accounting or bookkeeping practices, and trust & company service providers. If your business is none of those, tell us about it and we reply with scope and a price rather than taking payment first.
What happens if I miss 31 August?
There are no extensions — the window simply closes. If you're going to be late, the right move is to contact DIA before the deadline rather than go quiet, and to get the report in as soon as possible after. Better: use the free tool today and see how much of it is already done.
Can't I just download a free template for the risk assessment?
DIA has warned specifically about this: section 58 requires an assessment of the risks your business actually faces, and generic template content is the most common way documents fail. That's why every document we generate is built from your questionnaire answers — your services, your customers, your channels — not a fill-in-the-blanks template.
Do you file the report for me?
On the free tool, Report Pack and Compliance Pack, you file it yourself — the walkthrough tells you exactly what to type, and the attestation at the end is yours to make, as the Act intends. On Done-with-you we prepare and file it together, and nothing is lodged until you've read and approved every word.
What about the independent audit?
Your risk assessment and programme must be independently audited every 3 years. The free tool's scorecard tells you where your audit clock stands. One thing we're upfront about: if we wrote your documents, we can't also audit them — independence rules — and we'll point you to people who can.
Is the free tool really free?
Yes. No sign-up to see your results, and your answers stay in your browser unless you choose to email yourself a copy. It's how we'd rather you meet us: useful first.
Want the long-form detail first? Read about the service →