September 2025
How Ray White’s Designated Business Group Provides A Model For Australian Businesses Ahead Of 2026 Legislation
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Keep up to date with regulatory changes, and read the latest research, AML news, and advice from industry experts.
Compliance specialists, financial crime experts, analysts, and other AML professionals provide their best advice, research, and insights so you can stay on top of your AML obligations.
Download customer due diligence information and other useful documents to help with your ongoing AML obligations.
With five different types of customer due diligence, these guides provide details on how to complete different types of CDD requests.
If a risk assessment has shown a high risk of money laundering you may need to carry out extra measures to identify your customer and source of funds.
Ongoing CDD of customers is essential to ensure you understand any changes in your customers circumstances.
If a risk assessment has shown a low risk of money laundering you may only need to identify your customer following the simplified CDD process.
Generally, you must not start work until customer identity has been verified and filed, however, in some circumstances you may be able to.
This guide provides a checklist of activity for what you need to do to identify your customer.
Spotting non-compliance can be tricky. This guide will help keep you on track.
Browse our legislation library to access key legislation, supervisory guidance, and other resources from the Department of Internal Affairs, Reserve Bank of New Zealand, and Financial Markets Authority.
Anti-Money Laundering and Countering Financing of Terrorism Act 2009
Read the full version of the AML/CFT Act 2009 here.
AML/CFT (Definitions) Regulations 2011
Here you will find the definitions of key phrases included in the AML/CFT Act.
AML/CFT (Exemptions) Regulations 2011
All the relevant exemptions of the AML/CFT Act.
AML/CFT (Requirements and Compliance) Regulations 2011
Read the requirements and compliance regulations under the Act.
AML/CFT (Requirements and Compliance) Amendment Regulations 2017
Read the 2017 amendments to the AML/CFT Act (Requirements and Compliance) regulations.
Read the 2017 amendments to the full AML/CFT Act.
AML/CFT (Prescribed Transactions Reporting) Regulations 2016
Find the regulations behind Prescribed Transaction Reporting (PTR).
AML/CFT (Definitions) Amendment Regulations 2018
Find the amended definitions of key AML/CFT Act phrases.
Find all the amended legislation about the cross-border transportation of cash in relation to the AML/CFT Act.
Read the full version of the Privacy Act 2020 here.
Everything you need to know about the identity verification code of practice.
Clarification of the position the supervisors are taking with respect of
the AML/CFT Act interpretation of a trust as a customer.
Read about the involvement of bookkeepers in financial transactions in relation to the AML/CFT Act.
Customer due diligence: Trusts guideline – May 2024
Guidance in conducting customer due diligence on Trusts. Updated following new regulations.
Beneficial ownership guideline – April 2024
Guidance in conducting customer due diligence on beneficial owner(s). Updated following new regulations.
Customer due diligence: Companies guidelines – April 2024
Guidance in conducting customer due diligence on Companies. Updated following new regulations.
Customer due diligence: Limited Partnerships guideline – April 2024
Guidance in conducting customer due diligence on Limited Partnerships. Updated following new regulations.
Enhanced customer due diligence guideline – April 2024
Guidance in conducting customer due diligence on Trusts. Updated following new regulations.
User guide: Annual AML/CFT Report – June 2021
Guidance in completing AML/CFT annual reporting.
AML/CFT Programme Guideline (updated Oct 2024)
This guideline is designed to help reporting entities develop their AML/CFT programme.
Complying with AML/CFT verification requirements during COVID-19
This guidance is for reporting entities under the Anti-Money Laundering and Countering Financing of Terrorism Act 2009 (AML/CFT Act) during COVID-19 Alert Levels.
Guideline for audits of risk assessments and AML/CFT programmes
This guidance assists reporting entities manage the requirement to audit their AML/CFT risk assessment and programme.
Interpreting ‘Ordinary Course of Business’
Clarification of the meaning of the phrase “in the ordinary course of business”.
Designated Business Group Formation
Guideline to reporting entities on eligibility, formation, notification and withdrawal from a designated business group.
Designated Business Group Scope
Guideline to reporting entities to assist the decision on whether to form a designated business group.
Designated Business Group Formation and Change
Guideline to reporting entities on eligibility, formation, notification and withdrawal from a designated business group.
Electronic Identity Verification
To be read in conjunction with the Amended Identity Verification Code of Practice 2013.
Information to help reporting entities understand whether they need to assess aspects of another country’s regulatory environment.
To assist reporting entities in meeting the requirement to perform customer due diligence on the customer and beneficial owners of the customer.
The obligations relating to wire transfers are intended to reflect the Financial Action Taskforce (FATF) approach to wire transfers.
Territorial scope of the AML/CFT Act 2009
To assist businesses to determine whether they have obligations under the Anti-Money Laundering and Countering Financing of Terrorism Act 2009.
Enhanced Customer Due Diligence
To assist reporting entities in carrying out enhanced customer due diligence.
Annual Report Guide – Small Financial Adviser Businesses
A quick FMA guide to help small financial adviser businesses with their annual reports.
Enhanced Customer Due Diligence
Specific guidance from the Financial Markets Authority relating to enhanced customer due diligence.
Everything you need to know about the Anti-Money Laundering and
Countering Financing of Terrorism (Class Exemptions) Amendment Notice (No 2) 2015.
Class Exemption – Managing Intermediaries
Information around managing intermediaries and customers of managing intermediaries to be able to rely on the AML/CFT (Class Exemptions) Notice 20181.
Getting The Best Outcome From Your AML/CFT Audit
This information is intended to help reporting entities draw value from their AML/CFT Audit.
Market Operator Obligations – NZX
Findings from the FMA’s targeted review of whether NZX is meeting its licensed market operator obligations.
Monitoring report (1 July 2016 – 30 June 2018)
The FMA’s findings from monitoring AML/CFT compliance.
Everything you need to know about your compliance obligations as a real estate agent.
What you need to look out for as a Lawyer or Conveyancer under the AML/CFT Act.
Read the summary of the DIA’s regulatory findings (AML/CFT Act) from July 2018 to June 2019.
This guide assists reporting entities with completing annual anti-money laundering and countering financing of terrorism (AML/CFT) reports.
Suspicious Activity Reporting Guideline
Information around the policies, procedures and controls for the reporting of suspicious activity by reporting entities.
NZ Police Update: Christchurch Terrorist Attacks
Information around the implications of the raised threat level for reporting entities.
