Tranche 2 AML/CTF Compliance &
eKYC for Real Estate
Streamlined onboarding and eKYC for real estate agencies. Automate your AUSTRAC reporting and TTR capture without slowing down property settlements.
What Makes Tranche 2 Hard for Real Estate
High volume, fast transactions, party changes, and cash — the compliance challenges are real.
High Volume Onboarding
Real estate agencies deal with a high volume of new parties across multiple concurrent transactions. Vendors, purchasers, co-buyers, and guarantors all need to be identified and verified — often under tight settlement timelines.
Mobile-First Requirements
Agents work from open homes, auction floors, and client meetings — not from a desk. Compliance tools that require desktop access and lengthy form-filling simply do not fit the reality of how your team operates.
Party Changes During Transactions
Transactions rarely stay simple. Co-buyers are added, guarantors come in at the last minute, purchaser entities change from individuals to companies or trusts. Each change triggers new compliance obligations that must be tracked without disrupting the deal.
TTR Triggers for Cash Transactions
Cash deposits and part-cash settlements trigger Threshold Transaction Reporting obligations when they reach $10,000 or more. Missing a TTR is a compliance failure — but identifying and capturing these events in the flow of a busy agency is a real challenge.
How Sentine Helps
Workflows designed for the pace and complexity of real estate transactions.
Streamlined Matter Creation
Create a new Matter in seconds with pre-configured templates for common real estate transaction types. Property sales, purchases, and lease arrangements each have their own scoping defaults — so your agents spend less time on setup and more time on the transaction.
- Pre-configured Matter templates for property sales, purchases, and leases
- Quick-start scoping with real estate designated service defaults
- Automatic obligation attachment based on transaction type
- Bulk Matter creation support for portfolio transactions
Client Portal for Document Collection
Send clients and transaction parties a secure portal link where they can upload identification documents, complete verification steps, and provide required information — all from their own device, at their own pace. Reduces back-and-forth and improves evidence quality.
- Branded, secure portal accessible from any device
- Guided document upload with clear instructions for each party
- Real-time status tracking so agents know when documents arrive
- Automatic linking of uploaded documents to the correct Matter and party
Party Role Management
When a transaction party changes — a co-buyer is added, a guarantor steps in, or a purchasing entity switches from an individual to a company — Sentine manages the compliance implications. Add, remove, or update party roles on a Matter and the system recalculates what verification and documentation is needed.
- Add or remove parties at any stage of the transaction
- Role-based obligation recalculation when parties change
- Separate verification tracking for each party on the Matter
- Full audit trail of all party changes with timestamps and reasons
TTR Capture Workflow
When a cash component of a transaction reaches the $10,000 threshold, Sentine prompts your team to capture the Threshold Transaction Report. The structured workflow ensures all required fields are recorded with the transaction details, party information, and attestation — ready for reporting to AUSTRAC.
- Automatic prompts when cash transaction amounts approach the $10,000 threshold
- Structured TTR data capture with all AUSTRAC-required fields
- Link TTR records directly to the relevant Matter and parties
- Manual attestation workflow with sign-off and timestamp
Risk-Based Ongoing CDD
Not every transaction carries the same risk. Sentine's risk assessment framework helps your agency apply proportionate due diligence — standard procedures for routine transactions and enhanced scrutiny when risk indicators are present, such as unusual transaction patterns or high-risk jurisdictions.
- Guided risk assessment calibrated for real estate transaction types
- Proportionate CDD — standard for routine, enhanced for higher risk
- Ongoing monitoring triggers for long-running engagements
- ECDD workflows for source of funds when high-risk indicators are flagged
Quick Evidence Pack Generation
Generate a complete, audit-ready evidence pack for any transaction at any time. Every party verification, risk decision, TTR record, and compliance action is captured in a versioned, tamper-evident snapshot — so your agency can demonstrate compliance without scrambling to assemble documents after the fact.
- One-click evidence pack generation for any active or completed Matter
- Includes all party verifications, risk assessments, and TTR records
- Tamper-evident hashing for integrity verification
- Configurable redaction rules for different export contexts
Use Case: Property Sale with Multiple Parties
Follow a realistic property transaction through the full Sentine workflow.
Listing & Matter Creation
A vendor engages your agency to sell a residential property. Your agent creates a new Matter in Sentine using the property sale template. The scoping wizard confirms this is a designated service under Tranche 2 and attaches the relevant compliance obligations. The vendor's details are captured as the first party on the Matter.
Vendor Verification via Client Portal
The vendor receives a secure portal link and uploads their identification documents from their phone. Sentine's verification workflow processes the documents — guiding the agent through the safe harbour procedure for the individual vendor. Verification results, source documents, and the method path are all recorded against the Matter.
Purchaser Onboarding & Party Changes
An offer comes in from two co-buyers purchasing through a family trust. Your agent adds all three parties to the Matter — the two individual co-buyers and the trust entity. Sentine recalculates the verification requirements: safe harbour verification for the individuals, plus beneficial owner identification and verification for the trust. A week later, a guarantor is added to the transaction; Sentine adds them as a new party and triggers their verification workflow without disrupting the existing progress.
Cash Deposit & TTR Capture
The purchasers pay a $25,000 cash deposit. Sentine detects the cash amount exceeds the $10,000 threshold and prompts the agent to complete a Threshold Transaction Report. The structured TTR workflow captures the transaction amount, parties involved, date, and all AUSTRAC-required details. The agent completes the attestation, and the TTR is linked to the Matter with a full audit trail.
Risk Assessment & Evidence Pack
With all parties verified and the TTR captured, the agent completes the risk assessment for the Matter. The trust structure and cash component are factored into the risk rating, which is recorded with full rationale. Sentine generates a versioned evidence pack covering every party, every verification, the TTR, and the risk assessment — hashed and ready for audit. As the transaction proceeds to settlement, any further compliance actions are captured as new evidence pack versions.
Ready to Make Tranche 2 Compliance Part of Your Workflow?
Join real estate agencies across Australia preparing for 1 July 2026 with a compliance workflow that keeps pace with your transactions.
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