AML/CFT for accountants and bookkeepers — from someone who files one too
The annual report window is 1 July – 31 August. There are no extensions.
Accounting and bookkeeping practices are DIA-supervised the moment they do captured work — forming companies and trusts, acting as registered office, handling client funds, managing transactions. You spend the year keeping clients compliant; your own AML file is the one that slips. Ten minutes gets your annual report answers formatted for AML Online, plus a scorecard on your own documents.
Get my answers free →Built by a chartered accountant — CA ANZ member, qualified twenty years, across NZ practice, UK audit and government finance.
Where practices come unstuck
The cobbler's children problem
The practice that never misses a client deadline files its own annual report on 30 August from memory. The tool turns it into a ten-minute job with a working paper behind every answer — the way you'd want a client to do it.
TCSP services hiding in ordinary work
Company formations, registered office addresses, trustee roles, client bank accounts — ordinary practice services that are all captured activities with their own banded questions in the report. The tool walks through each one so nothing is missed or over-declared.
A template risk assessment from 2019
Since 19 May 2026 your risk assessment must incorporate the National Risk Assessment 2024. A generic document from years ago fails s.58 in exactly the way DIA has warned about — and you know better than anyone what a reviewer thinks of boilerplate.