Lane 2 · Already enrolled

Picked a provider already? Get an independent second opinion.

Tell us who you've signed with and the part you're not sure about. We'll send a short health-check report comparing your setup to what other providers offer for your sector and size.

  • Independent — we don't work for your current provider.
  • Free for Australian businesses. No sales calls unless you ask for them.
  • Useful even if you're mid-onboarding and not ready to switch.
Question 1 of 60% complete

Have you completed and documented an AML/CTF risk assessment?

Section 84 of the AML/CTF Act requires a documented inherent risk assessment across customers, products, channels and geographies.

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What's in the report

A short, plain-English second opinion.

Coverage check

Whether your provider's workflow covers the AUSTRAC obligations that apply to your sector.

Pricing benchmark

How your monthly cost compares to other vetted providers serving businesses your size.

Sector fit

Whether the provider has demonstrated work with businesses like yours, or if you're an edge case.

Switch cost (if relevant)

An honest read on whether moving is worth it, or whether to stay and ask for changes.

We don't sell switching. If your current setup is fine, we'll say so. How we're paid →

Health check FAQ

Common questions about the second opinion.

Why second-guess your provider, what's in the report, and how the independence claim actually holds.

Why would I get a second opinion if I've already picked a provider?+

Three common reasons. (1) Pricing creep — your monthly cost has drifted upward through add-ons or volume tiers and you want to benchmark before renewal. (2) Sector fit — your firm has expanded into a new designated service (e.g. an accounting practice that's added bookkeeping, a law firm that's taken on conveyancing) and you're not sure your current platform covers it cleanly. (3) Confidence — your first independent review or AUSTRAC compliance assessment is approaching and you want a second view before it lands. The health check is built for all three.

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Is the health check actually independent if you're paid by providers?+

Yes — and the structural reason matters. CompareAML's per-lead pricing is set per vertical, not per deal. We earn the same whether you stay with your current provider, switch, or do nothing. There's no 'switch incentive' baked into our model. If your current setup is fine for your sector and size, the health check will say so explicitly. We've sent many 'stay where you are' reports — they don't make us money, but they protect the trust that does.

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What does the health check report actually contain?+

A 1–2 page document covering four sections. (1) Coverage check — whether your provider's workflow covers the AUSTRAC obligations triggered by your designated services. (2) Pricing benchmark — how your monthly cost compares to other vetted providers serving businesses your size and sector. (3) Sector fit — whether the provider has demonstrated work with businesses like yours or you're an edge case. (4) Switch cost (if relevant) — an honest read on whether moving is worth it. No 40-page consulting deliverable; a focused brief your compliance lead can act on.

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How long does the health check take?+

We commit to one business day for the report. Most are sent within a few hours during AEST business hours. If your situation needs a deeper look — multiple entities, multi-sector firm, complex trust structure — we'll flag the longer turnaround in our acknowledgment email.

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Will my current provider find out?+

No. The health check is between you and CompareAML. We don't contact your current provider, we don't share your details with anyone you haven't asked to be matched to, and we don't notify the original provider if you do decide to switch. Provider notification is your decision and timing.

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What if I'm only a few weeks into onboarding — too early for a check?+

Mid-onboarding is actually a useful time. The questions we surface — coverage gaps, pricing tier mismatches, sector fit — are easier to address with your provider while implementation is still in flight than after go-live. The check is non-confrontational; many firms use it as input to a planning conversation with their existing provider rather than as a switch trigger.

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Is there any cost or sales follow-up?+

Free for Australian businesses. No sales calls unless you explicitly request them. The report goes to your nominated email and that's the default end of the interaction. If you reply with follow-up questions or want a warm introduction to an alternative provider, we'll handle that — but the default is no outbound contact after the report lands.

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What if the report tells me to switch but I'd rather negotiate with my current provider?+

That's often the right move. The report's pricing benchmark and sector fit notes are genuinely useful in a renewal conversation with your incumbent — most providers will sharpen pricing or add a missing feature when faced with a credible alternative. We'll mention this explicitly in the report when negotiation is the higher-leverage option than switching.

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