Free AML/CFT resources • New Zealand

AML/CFT Resources for New Zealand Reporting Entities.

Plain-language guides for working out what applies, building the framework and handling the obligations in practice. No gated downloads. Every published guide links to current law and regulator material.

Prepared bySeamless AML
Start with the scope guideGuidance and legislationBrowse by sector

Featured tools and explainers

Use these practical reference pages when you need a fast answer, a country comparison or a clear plan for the year.

  1. 01Primary sourcesGuidance and legislationDirect links to New Zealand law, DIA guidance and international country-risk sources.
  2. 02Compare countriesAustralia and New Zealand comparedSee the important differences in terminology, regulators, reporting and independent review.
  3. 03Quick referenceAML glossaryPlain-English meanings for the words used in Australian and New Zealand AML compliance.
  4. 04Plan the workAML compliance calendarA practical on-page calendar of recurring and event-driven AML tasks.
  5. 05How we workResearch and review standardsSee how every guide is sourced, checked, dated and corrected.
01

Start here

Confirm whether the law applies and see the work that follows.

  1. 01Does AML/CFT apply to my business?Work through the reporting-entity, ordinary-course and New Zealand connection tests.Read guide
  2. 02AML/CFT compliance checklistA practical sequence for establishing and maintaining the core obligations.Read guide
02

Build the foundation

Create the risk assessment and framework that direct the controls.

  1. 01ML/TF risk assessment guideWhat the assessment must cover and how to keep it connected to the business.Read guide
  2. 02AML/CFT programme guideHow the risk assessment and procedures, policies and controls work together.Read guide
03

Run AML day to day

Apply customer checks, oversight and reporting in ordinary operations.

  1. 01Customer due diligenceWhen CDD applies, what to collect and when enhanced checks are required.Read guide
  2. 02AML/CFT compliance officer responsibilitiesThe role, authority, reporting lines and records that support effective oversight.Read guide
  3. 03Suspicious activity reportingHow to recognise, escalate and report suspicious activity without unlawful disclosure.Read guide
04

Test and improve

Test what is in place, deal with findings and keep the framework current.

  1. 01Independent AML/CFT auditScope, independence, assurance, testing and what a useful audit report should contain.Read guide

Sector guides

Find the Rules in Your Business Context.

These guides connect the core obligations with the services, customers and practical boundaries seen in each sector.

  1. 01Accountants, bookkeepers and tax agentsRead guide
  2. 02Lawyers and conveyancersRead guide
  3. 03Real estate agenciesRead guide
  4. 04Trust and company service providersRead guide
  5. 05Financial institutions and lendersRead guide
  6. 06Financial advisersRead guide
  7. 07Money and remittance servicesRead guide
  8. 08Virtual asset service providersRead guide
  9. 09CasinosRead guide
  10. 10High-value dealersRead guide

How these guides are maintained

Clear Sources. Practical Guidance.

Each guide starts with the legislation, then uses rules, regulations and regulator guidance to explain the practical position. Sources are linked at the end of the guide.

For time-sensitive decisions, use the linked official sources and seek advice for the specific facts that apply to you.

Read our research and review standards

Need advice for your situation?

Turn the Guidance Into a Clear Next Step.

Tell us what your New Zealand business does and where the uncertainty sits. We will help you work out the practical AML/CFT response.

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