{ "schemaVersion": "2.0.0", "tier": "free", "subject": { "name": "Sample Remittance Services Pty Ltd", "subjectType": "organization", "role": "subject", "country": "AU", "industry": "Money transfer and remittance", "description": "A remittance provider sending funds from Australia to South-East Asia and the Pacific.", "resolution": { "outcome": "confirmed", "method": "register_name", "nameMatch": "exact", "nameScore": 100, "record": { "name": "SAMPLE REMITTANCE SERVICES PTY LTD", "register": "au_abn", "identifierType": "abn", "identifier": "00000000003", "legalForm": "Australian Private Company", "status": "ACT", "country": "AU", "url": "https://register.example.com/abn/00000000003" }, "candidates": [ { "name": "SAMPLE REMITTANCE SERVICES PTY LTD", "identifierType": "abn", "identifier": "00000000003", "legalForm": "Australian Private Company", "status": "ACT", "nameMatch": "exact", "nameScore": 100, "selected": true } ] } }, "riskAssessment": { "overallLevel": "high", "score": 74, "requiresReview": true, "reviewReasons": [ "below_threshold_ownership:key_personnel_risk", "inconclusive_screening:sanctions" ], "drivers": [ "austrac_compliance: A designated party holds 20% of the customer, and one person\u0027s PEP question could not be answered", "key_personnel_risk: A shareholder holding 20% is on the DFAT Consolidated List" ], "summary": "Sample Remittance Services Pty Ltd is not on the DFAT Consolidated List. A shareholder holding 20% is on the DFAT Consolidated List; below the 50% control threshold the customer is not owned or controlled by a designated person, but a designated party holds an interest, so enhanced customer due diligence applies. A director is a former foreign politically exposed person. Whether the customer provides a designated service could not be determined from the registers this screen can read, and one sanctions screen did not complete.", "riskFactors": [ { "factorName": "AUSTRAC AML/CTF Compliance (austrac_compliance)", "score": 70, "maxScore": 70, "reason": "A high finding sets the floor of the high band." }, { "factorName": "Key Personnel \u0026 Beneficiary Screening (key_personnel_risk)", "score": 2, "maxScore": 2, "reason": "A high finding inside the high band adds 2." }, { "factorName": "PEP Exposure (pep_exposure)", "score": 2, "maxScore": 2, "reason": "A high finding inside the high band adds 2." } ] }, "modules": [ { "moduleId": "addresses", "moduleName": "Addresses", "category": "identity", "group": "Identity", "displayOrder": 10, "tier": "free", "status": "found", "severity": "info", "summary": "Registered in Melbourne.", "sourceRefs": [ "src1" ], "data": { "registered": { "countryCode": "AU", "fullAddress": "5 Sample Lane, Melbourne VIC 3000" } } }, { "moduleId": "registration", "moduleName": "Registration", "category": "identity", "group": "Identity", "displayOrder": 20, "tier": "free", "status": "found", "severity": "info", "summary": "Registered as an Australian private company since 2019.", "sourceRefs": [ "src1" ], "data": { "legalName": "Sample Remittance Services Pty Ltd", "abn": "00 000 000 003", "legalForm": "Australian Private Company", "legalStatus": "ACT", "incorporationDate": "2019-11-20", "registryUrl": "https://register.example.com/abn/00000000003" } }, { "moduleId": "key_personnel", "moduleName": "Key personnel", "category": "ownership", "group": "Ownership", "displayOrder": 40, "tier": "free", "status": "found", "severity": "info", "summary": "Two directors.", "sourceRefs": [ "src1" ], "data": { "people": [ { "name": "Morgan Sample", "role": "Director" }, { "name": "Taylor Example", "role": "Director" } ] } }, { "moduleId": "beneficial_ownership_control", "moduleName": "Beneficial Ownership and Control", "category": "ownership", "group": "Ownership", "displayOrder": 55, "tier": "free", "status": "found", "severity": "medium", "summary": "Three shareholders traced; one, holding 20%, is a designated person.", "data": { "isComplete": true, "tree": { "name": "Sample Remittance Services Pty Ltd", "kind": "Company", "holders": [ { "name": "Morgan Sample", "kind": "Person", "roleInParent": "UltimateBeneficialOwner", "source": "PublicRegister", "ownershipPct": 50, "effectiveOwnershipPct": 50 }, { "name": "Taylor Example", "kind": "Person", "roleInParent": "UltimateBeneficialOwner", "source": "PublicRegister", "ownershipPct": 30, "effectiveOwnershipPct": 30 }, { "name": "Designated Sample Person", "kind": "Person", "roleInParent": "Shareholder", "source": "PublicRegister", "ownershipPct": 20, "effectiveOwnershipPct": 20, "flags": [ "sanctioned" ] } ] } } }, { "moduleId": "sanctions", "moduleName": "Sanctions", "category": "compliance", "group": "Compliance", "displayOrder": 100, "tier": "free", "status": "inconclusive", "severity": "medium", "summary": "One of the sanctions lists did not respond during the screen, so the company\u0027s own sanctions status is unconfirmed." }, { "moduleId": "restricted_party", "moduleName": "Restricted party", "category": "compliance", "group": "Compliance", "displayOrder": 110, "tier": "free", "status": "not_found", "severity": "info", "summary": "No match on export-control or debarment lists." }, { "moduleId": "pep_exposure", "moduleName": "PEP exposure", "category": "compliance", "group": "Compliance", "displayOrder": 120, "tier": "free", "status": "found", "severity": "high", "summary": "Director Taylor Example is a former deputy minister of a foreign government, a foreign politically exposed person.", "sourceRefs": [ "src2" ], "findings": [ { "detail": "Taylor Example served as a deputy minister of finance abroad until 2023.", "severity": "high", "category": "key_personnel", "sourceRefs": [ "src2" ] } ] }, { "moduleId": "country_risk", "moduleName": "Country risk", "category": "compliance", "group": "Compliance", "displayOrder": 130, "tier": "free", "status": "found", "severity": "low", "summary": "Sends funds to corridors that include higher-risk jurisdictions; registered in a low-risk country.", "sourceRefs": [ "src3" ] }, { "moduleId": "regulatory_actions", "moduleName": "Regulatory actions", "category": "compliance", "group": "Compliance", "displayOrder": 140, "tier": "free", "status": "not_found", "severity": "info", "summary": "No regulator action located." }, { "moduleId": "key_personnel_risk", "moduleName": "Key Personnel \u0026 Beneficiary Screening", "category": "compliance", "group": "Compliance", "displayOrder": 145, "tier": "free", "status": "found", "severity": "high", "summary": "A shareholder holding 20% is on the DFAT Consolidated List; below the 50% control threshold.", "sourceRefs": [ "src4" ], "findings": [ { "detail": "Shareholder Designated Sample Person (20% interest) matches a designated person on the DFAT Consolidated List.", "severity": "high", "category": "beneficial_owner", "sourceRefs": [ "src4" ] } ], "data": { "requiresReview": true, "partiesScreened": 3, "sanctionedCount": 1 } }, { "moduleId": "court_cases", "moduleName": "Court cases", "category": "compliance", "group": "Compliance", "displayOrder": 160, "tier": "free", "status": "not_found", "severity": "info", "summary": "No court proceedings located." }, { "moduleId": "insolvency", "moduleName": "Insolvency", "category": "compliance", "group": "Compliance", "displayOrder": 170, "tier": "free", "status": "not_found", "severity": "info", "summary": "No administration, liquidation or receivership record." }, { "moduleId": "adverse_media", "moduleName": "Adverse media", "category": "compliance", "group": "Compliance", "displayOrder": 180, "tier": "free", "status": "not_found", "severity": "info", "summary": "No adverse news located." }, { "moduleId": "austrac_compliance", "moduleName": "AUSTRAC AML/CTF Compliance", "category": "compliance", "group": "Compliance", "displayOrder": 190, "tier": "free", "status": "found", "severity": "high", "summary": "Not on the DFAT Consolidated List. The PEP question could not be answered for 1 of the people the form asks about; they are listed as not determined. 1 designated party was identified among the customer\u0027s owners or officers. Triggered obligations: Enhanced customer due diligence; Former PEP: approval as the entity\u0027s policy sets; A designated party holds an interest in, or is an officer of, the customer: check whether it owns or controls the customer. If it does, stop and consider freezing, notify the Australian Sanctions Office and the AFP, and consider a suspicious matter report.", "sourceRefs": [ "https://register.example.com/asic/00000000003", "https://sanctions.example.org/dfat-regimes" ], "data": { "reportForm": "body_corporate", "customerProfile": null, "sanctionsAuthority": "DFAT Consolidated List", "dfatDetermination": "not_listed", "dfatDeterminationReason": "Not on the DFAT Consolidated List or a UN Security Council list Australia gives effect to.", "dfatListUpdated": null, "dfatComparisons": [], "foreignListings": [], "comparisons": [], "pepDetermination": "not_applicable", "pepDeterminationReason": "A body corporate holds no public office. The PEP questions the form asks (E1.2, E2.2) are asked of its representatives and its beneficial owners, not of the customer itself.", "persons": [ { "name": "Morgan Sample", "capacity": "beneficial owner: owns 25% or more", "group": "beneficial_owner", "dfatDetermination": "not_listed", "dfatDeterminationReason": "Not on the DFAT Consolidated List or a UN Security Council list Australia gives effect to.", "dfatComparisons": [], "pepDetermination": "inconclusive", "pepPosition": null, "pepSourceUrl": null, "pepCurrentOrFormer": null, "pepEndDate": null, "pepNotDetermined": "No screening record was returned for this person, so the PEP question could not be answered either way." }, { "name": "Taylor Example", "capacity": "beneficial owner: owns 25% or more", "group": "beneficial_owner", "dfatDetermination": "not_listed", "dfatDeterminationReason": "Not on the DFAT Consolidated List or a UN Security Council list Australia gives effect to.", "dfatComparisons": [], "pepDetermination": "foreign", "pepPosition": "Deputy Minister of Finance", "pepSourceUrl": null, "pepCurrentOrFormer": "former", "pepEndDate": "2023", "pepNotDetermined": null } ], "beneficialOwners": [ { "name": "Morgan Sample", "basis": "ownership", "ownershipPct": 50, "votingPct": null, "howControlExercised": [ "through the shares held in the customer" ], "countryOfResidence": "AU", "countryRiskBand": "low", "hasVeto": false, "facts": [ { "field": "Basis of beneficial ownership", "value": "ownership", "source": "the AUSTRAC ownership and control tests applied to the sources below" }, { "field": "Ownership", "value": "50%", "source": "public sources researched for this screening" }, { "field": "Voting power", "value": null, "source": "no source states this holder\u0027s voting power" }, { "field": "How control is exercised", "value": "through the shares held in the customer", "source": "public sources researched for this screening" }, { "field": "Country of residence", "value": "AU", "source": "public sources researched for this screening" } ] }, { "name": "Taylor Example", "basis": "ownership", "ownershipPct": 30, "votingPct": null, "howControlExercised": [ "through the shares held in the customer" ], "countryOfResidence": "GB", "countryRiskBand": "low", "hasVeto": false, "facts": [ { "field": "Basis of beneficial ownership", "value": "ownership", "source": "the AUSTRAC ownership and control tests applied to the sources below" }, { "field": "Ownership", "value": "30%", "source": "public sources researched for this screening" }, { "field": "Voting power", "value": null, "source": "no source states this holder\u0027s voting power" }, { "field": "How control is exercised", "value": "through the shares held in the customer", "source": "public sources researched for this screening" }, { "field": "Country of residence", "value": "GB", "source": "public sources researched for this screening" } ] } ], "exemptions": { "note": "These exemptions are candidates read from public-register facts, not advice. Whether the customer falls within one, and whether relying on it is appropriate, is the reporting entity\u0027s own decision.", "rules": [ { "id": "listed_with_disclosure", "label": "Listed entity that discloses its beneficial owners", "applied": false, "decided": true, "part": null, "register": null, "asAt": null, "status": null, "citation": "AML/CTF Rules 2025, r 6-7(1)(a)", "reason": "No listed company with beneficial-ownership disclosure obligations was identified in the structure." }, { "id": "government_body", "label": "Government body", "applied": false, "decided": true, "part": null, "register": null, "asAt": null, "status": null, "citation": "AML/CTF Rules 2025, r 6-7(1)(b)", "reason": "No government body was identified in the structure." }, { "id": "regulated_and_low_risk", "label": "Regulated entity assessed as low risk", "applied": false, "decided": true, "part": null, "register": null, "asAt": null, "status": null, "citation": "AML/CTF Rules 2025; AUSTRAC, Initial CDD for a body corporate (C1)", "reason": "No register listed the customer as APRA-regulated or as holding an ASIC AFS or credit licence." }, { "id": "strata", "label": "Strata corporation", "applied": false, "decided": false, "part": null, "register": null, "asAt": null, "status": null, "citation": "AML/CTF Rules 2025; AUSTRAC, Initial CDD for a body corporate (C1)", "reason": "No public register states whether the customer is a strata corporation, so the exemption could not be decided." } ], "undeterminedRegisters": [ { "id": "austrac_registered", "label": "AUSTRAC register of remitters and register of virtual asset service providers", "reason": "AUSTRAC publishes these registers only through a CAPTCHA-gated interactive search with no bulk download, so no free public source reads them." } ] }, "designatedService": { "determined": false, "answer": "not_determined", "reason": "No register fact answers the question: the customer is not on a register this screen can read (AFS or credit licensee, APRA-regulated body, or AUSTRAC-registered remitter or VASP). Whether a designated service is provided remains the reporting entity\u0027s own determination.", "basis": [] }, "designatedPersonControl": true, "designatedParties": [ { "name": "Designated Sample Person", "kind": "owner", "detail": "Designated Sample Person matched a sanctions designation (DFAT Consolidated List) and is an owner of the customer.", "ownershipPct": 20, "sourceUrl": "https://sanctions.example.org/consolidated/000987" } ], "countryRiskMethod": "Country risk is assessed from the FATF high-risk and monitored-jurisdiction lists and DFAT sanctions only. The Basel AML Index is not used: its public edition is licensed for non-commercial use only (CC BY-NC-ND 4.0).", "countryRisk": [ { "country": "AU", "band": "low", "reason": "no elevated country-risk signal", "callForAction": false }, { "country": "GB", "band": "low", "reason": "no elevated country-risk signal", "callForAction": false } ], "riskFactors": [], "complexityReasons": [], "indicativeRating": "low", "indicativeRatingNote": "This rating is indicative. The statutory risk assessment the CDD form\u0027s A1 section calls for is the reporting entity\u0027s own decision.", "triggeredObligations": [ { "id": "enhanced_cdd", "label": "Enhanced customer due diligence", "citation": "AML/CTF Act 2006, s 32" }, { "id": "former_pep_approval", "label": "Former PEP: approval as the entity\u0027s policy sets", "citation": "AML/CTF Rules 2025, r 5-5(5)" }, { "id": "designated_party_interest", "label": "A designated party holds an interest in, or is an officer of, the customer: check whether it owns or controls the customer. If it does, stop and consider freezing, notify the Australian Sanctions Office and the AFP, and consider a suspicious matter report", "citation": "Autonomous Sanctions Act 2011; Charter of the United Nations Act 1945; AML/CTF Act 2006, s 41" } ], "cddRecord": { "searchTerms": "Sample Remittance Services Pty Ltd", "screenedAt": "2026-09-30T00:22:44.190242Z", "lists": [ { "name": "DFAT Consolidated List", "date": "not recorded" }, { "name": "FATF high-risk and other monitored jurisdictions", "date": "2026-06-19" }, { "name": "DFAT sanctioned countries", "date": "2026-10-08" } ], "registerFacts": [ { "flag": "company_registered", "register": "ASIC", "status": "registered", "asAt": "2026-09-30", "source": "https://register.example.com/asic/00000000003" } ], "registerLookupCompleted": true, "registerLookupFailure": null, "sourcesReviewed": [ "https://register.example.com/asic/00000000003", "https://sanctions.example.org/dfat-regimes" ], "notCovered": "Identity verification of the customer and of every beneficial owner and representative; that each of them is who they claim to be; a representative\u0027s authority to act; each beneficial owner\u0027s basis of ownership or control as evidenced by the customer\u0027s own documents; the nature and purpose of the business relationship; the customer\u0027s governing documents (constitution, company extract, register of members); and source-of-funds and source-of-wealth evidence remain the reporting entity\u0027s responsibility and are not covered by this screen." }, "reviewRequired": true } }, { "moduleId": "modern_slavery", "moduleName": "Modern slavery", "category": "esg", "group": "ESG", "displayOrder": 400, "tier": "free", "status": "not_applicable", "severity": "info", "summary": "Below the revenue threshold for a mandatory modern slavery statement." }, { "moduleId": "credit_score", "moduleName": "Credit score", "category": "financial", "group": "Financial", "displayOrder": 200, "tier": "premium", "status": "not_attempted", "severity": "info" } ], "sources": { "src1": { "url": "https://register.example.com/abn/00000000003", "publisher": "Business register (sample)", "type": "register", "retrievedAt": "2026-09-30T00:00:00Z" }, "src2": { "url": "https://government.example.org/ministers/2023/000321", "publisher": "Foreign government gazette (sample)", "type": "official_list", "retrievedAt": "2026-09-30T00:00:00Z" }, "src3": { "url": "https://risk.example.org/jurisdictions/2026/000654", "publisher": "Jurisdiction risk list (sample)", "type": "official_list", "retrievedAt": "2026-09-30T00:00:00Z" }, "src4": { "url": "https://sanctions.example.org/consolidated/000987", "publisher": "Sanctions list (sample)", "type": "official_list", "retrievedAt": "2026-09-30T00:00:00Z" }, "src5": { "url": "https://register.example.com/asic/00000000003", "publisher": "Company register (sample)", "type": "register", "retrievedAt": "2026-09-30T00:00:00Z" }, "src6": { "url": "https://sanctions.example.org/dfat-regimes", "publisher": "DFAT Consolidated List", "type": "official_list", "retrievedAt": "2026-10-08T00:00:00Z" } }, "telemetry": { "toolCallCount": 47, "webSearchCount": 20, "totalTokens": 230000, "elapsedMs": 240000 } }