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seamless services.

Independent AML/CFT Audit.

Seamless AML provides clear, concise, and fully independent AML/CFT audits to help reporting entities meet their compliance obligations under New Zealand’s AML Act. Required at least once every three years, these audits assess the adequacy and effectiveness of your Risk Assessment and Compliance Programme, ensuring it mitigates money laundering and terrorism financing risks.

 

Our expert team delivers practical insights and actionable recommendations, helping your business stay compliant with ease.

Service Overview:

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  • Detailed analysis of business Risk Assessment

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  • Thorough reviews of your existing Compliance Programme policies, procedures, and controls

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  • Conducting sample tests on:

    • Customer Due Diligence

    • AML reporting, including suspicious activities and prescribed transactions

    • Staff training and its effectiveness

    • Staff vetting procedures

    • Record-keeping accuracy and completeness

    • Additional testing based on specific business requirements

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  • Identifying areas for improvement and alignment with regulatory standards

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  • A virtual meeting to go over findings and provide answers to your questions

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  • Providing detailed audit reports with actionable recommendations

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  • Ongoing support post audit completion

Bespoke Risk Assessment and Compliance Programme.

We specialise in crafting bespoke AML/CFT Risk Assessments and Compliance Programme documents tailored to your business’s unique risks and regulatory obligations. Our expert team works with you to ensure your Risk Assessment identifies and addresses money laundering and terrorism financing threats specific to your industry, while the Compliance Programmes will provide clear, practical policies and procedures to meet the requirements of the AML/CFT Act.

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With a risk-based approach, we create documentation that is not only fully compliant but also practical and easy to implement, helping you stay ahead of regulatory expectations.

Service Overview:

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  • We provide a simple, structured form for you to complete, capturing key details about your business, operations, and risk profile. This ensures we gather all necessary information efficiently while keeping the process straightforward for you.​

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  • Using your responses, we develop a comprehensive AML/CFT Risk Assessment, identifying key risk areas and ensuring it aligns with regulatory expectations. This document provides a clear understanding of your business’s exposure to money laundering and terrorism financing risks.

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  • Based on the Risk Assessment, we create a fully compliant AML/CFT Compliance Programme, outlining the policies, procedures, and controls needed to meet your compliance obligations. This ensures a structured, risk-based approach that is both practical and effective for your business.

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  • We provide drafts for review, working collaboratively with you to ensure the documents are clear, tailored to your business, and fully understood. Our goal is to make compliance manageable while keeping you ahead of regulatory expectations.

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  • Once you are satisfied, we issue the finalised documents, giving you a strong, compliant framework that supports your AML/CFT obligations with confidence.

AML Advisory Services.

Seamless AML offers specialised advisory services tailored to the unique challenges of AML/CFT compliance across various industries. Our expert guidance helps businesses navigate complex regulatory requirements, implement risk-based controls, and strengthen their AML/CFT frameworks. Whether you need strategic advice on high-risk transactions, enhanced due diligence, governance structures, or regulatory reporting, our tailored solutions ensure compliance with the AML/CFT Act while aligning with industry best practices.

 

With a deep understanding of sector-specific risks, we provide practical, actionable insights to help you mitigate financial crime threats effectively.

Service Overview:

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  • General AML/CFT Advice – Guidance on meeting AML obligations and best practices.

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  • Risk Assessment & Compliance Programme Advice – Assistance with reviewing, updating, or refining AML documents.

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  • CDD Provider Advice – Guidance on selecting and using third-party CDD providers effectively.

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  • AML/CFT Reporting Guidance – Advice on filing Suspicious Activity Reports (SARs) and Prescribed Transaction Reports (PTRs).

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  • Annual AML Report Submission – Assistance in preparing and submitting your Annual AML/CFT Report to your AML supervisor.

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  • Ongoing Monitoring & Record-Keeping – Ensuring compliance with transaction monitoring and documentation requirements.

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  • Regulatory Readiness Support – Preparing for audits, regulatory reviews, or addressing compliance concerns.

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  • Training & Awareness – Tailored staff training to improve AML knowledge and compliance culture.

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Our advisory services provide practical, expert guidance suited to your specific needs.

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Whether you require a one-off consultation or ongoing support, we help you navigate AML compliance with confidence.

Industries we work with.

  • Law firms and conveyancers

  • Accountants and bookkeepers

  • Real estate agents

  • High-value dealers

  • Money remitters

  • Currency exchangers

  • Payment service providers

  • Virtual asset service providers (e.g., cryptocurrency exchanges)

  • Brokers and custodians

  • Financial advice providers

  • Managed investment scheme managers

      and more...

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