13/10/2026
🔍 Customer Due Diligence is risk-based
The level of due diligence you undertake should reflect the level of risk associated with the customer or transaction.
There are three main types of CDD:
1. Initial CDD: Complete checks when you first establish a relationship with a customer.
2. Ongoing CDD: Keep customer information up to date and monitor activity over time.
3. Enhanced CDD: Apply additional checks and scrutiny where the risk is higher.
Learn at your own pace through the video modules, or use the supporting slides, activities, and facilitator resources to train your team.
Access the Smart real estate agent’s guide to AML/CTF training package here:
https://www.austrac.gov.au/industry-and-business/education-and-resources/smart-real-estate-agents-guide-amlctf