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Documentation Index

Fetch the complete documentation index at: https://docs.clearaml.com.au/llms.txt

Use this file to discover all available pages before exploring further.

ClearAML’s AUSTRAC Reporting Hub centralises all your regulatory reporting obligations in one place. You can create draft reports, track statutory deadlines, export batch XML for lodgement with AUSTRAC Online, and maintain a permanent audit record of every report filed and every matter you decided not to report.
Lodging reports with AUSTRAC is a legal obligation under the Anti-Money Laundering and Counter-Terrorism Financing Act 2006. Failure to lodge required reports on time is a criminal offence. ClearAML helps you prepare and track reports, but you are responsible for ensuring lodgement is completed on time through AUSTRAC Online. ClearAML does not lodge reports on your behalf.

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Report types

ClearAML supports four report types plus the Annual Compliance Report:

SMR — Suspicious Matter Report

Lodge when you have reasonable grounds to suspect a matter is related to a serious offence, money laundering, or the financing of terrorism. There is no minimum dollar threshold. Lodgement is required as soon as practicable and no later than 3 business days (24 hours for terrorism financing) after forming the suspicion.

TTR — Threshold Transaction Report

Lodge for every cash transaction of AUD $10,000 or more (or the foreign currency equivalent). Must be lodged within 10 business days of the transaction date.

IFTI — International Funds Transfer Instruction

Lodge for instructions to transfer money into or out of Australia. Required within 10 business days of the transfer instruction being given or received.

CBM — Cross-Border Movement

Lodge for physical cross-border movements of currency or bearer negotiable instruments of AUD $10,000 or more.

ACR — Annual Compliance Report

Required annually. The ACR Assistant in ClearAML guides you through preparing your Annual Compliance Report, which summarises your AML/CTF programme, reporting activity, and risk assessment findings for the year.
Navigate to Dashboard → AUSTRAC Reporting to open the hub. It has four tabs:
Shows all reports in Draft or Ready status — those not yet lodged. A badge on the tab shows the count of pending items. Click any report card to open it in the review modal. Reports with a statutory deadline show a countdown timer that turns amber (under 24 hours) or red (overdue).

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Creating a report manually

1

Select the report type

In the top-right corner of the AUSTRAC Reporting Hub, click TTR, SMR, IFTI, or CBM depending on the type of report you need to create.
2

Fill in the report details

The report editor opens with fields for:
  • Client name
  • Amount and currency
  • Transaction or incident date
  • Activity description
  • Grounds for suspicion (SMR only)
  • Any flags or additional context
3

Save as draft or mark as ready

Save the report as a draft to return to it later, or mark it as Ready once it is complete and ready for lodgement.

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Creating a report from a flagged transaction

The fastest way to create an SMR or TTR is directly from a flagged transaction in the Transaction Monitoring dashboard.
1

Find the flagged transaction

Go to Dashboard → Transaction Monitoring and locate the transaction you want to report.
2

Select Report to AUSTRAC

Click the three-dot menu on the transaction row and select Report to AUSTRAC. ClearAML automatically selects SMR or TTR based on the transaction amount and cash flag.
3

Review the pre-populated draft

A draft report is created in the Report Queue with the client name, amount, date, description, and flag reasons already filled in.
4

Complete and mark as ready

Open the draft from the Report Queue, review the content, fill in any remaining fields, and mark the report as Ready.

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Lodging reports

ClearAML prepares your reports and exports them in the statutory XML batch format required by AUSTRAC Online. It does not submit reports to AUSTRAC on your behalf — you must complete lodgement directly through AUSTRAC Online.
1

Mark reports as ready

Ensure all reports you want to lodge have a Ready status in the Report Queue.
2

Export batch XML

Click Batch XML Export in the top-right of the hub. ClearAML generates a ZIP file containing the statutory XML for all Ready and Lodged reports, named with today’s date.
3

Lodge via AUSTRAC Online

Upload the XML file through your AUSTRAC Online account. Once lodgement is confirmed by AUSTRAC, return to ClearAML and update the report status to Lodged and enter the AUSTRAC reference number. The report moves to the Lodgement History tab.
The Batch XML Export requires your AUSTRAC Enrolment ID to be configured in your firm settings. If the export returns a “not configured” error, contact your compliance administrator to add your enrolment details.

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Dismissing a matter as non-reportable

When you review a suspicious transaction and determine it does not meet the reporting threshold, you must formally document that decision.
1

Use Dismiss with Rationale

From the Transaction Monitoring page, click the three-dot menu on the transaction and select Dismiss with Rationale.
2

Enter a formal reason

Provide a dismissal reason of at least 20 characters explaining why the matter is non-reportable.
3

Confirm

Click Dismiss & log. The transaction is marked Cleared and a record appears in the Closed Matters tab of the AUSTRAC Reporting Hub with your rationale and a timestamp.
The Closed Matters tab fulfils your obligation to maintain records of non-reportable decisions. AUSTRAC examiners may request these records, and having a documented rationale for each dismissed matter demonstrates a robust and defensible AML/CTF programme.