FAQ
Questions,
answered.
Everything you need to know about AMLayer — how it works, what it covers, and whether it's right for your practice.
About AMLayer
AML clarity, without the complexity.
AMLayer is an AI-powered AML/CFT review tool built exclusively for New Zealand. Upload your client documents — passport, trust deed, company extract, bank statement — and AMLayer tells you exactly what you have, what you're missing, and what to do next.
All checks are aligned with the NZ AML/CFT Act 2009 and the NZ Statutes Amendment Act 2025.
Most AML tools are built for banks. AMLayer is built for the lawyers, accountants, real estate agents, and compliance officers who actually perform onboarding work — and who need answers in minutes, not days.
AMLayer is designed for AML compliance officers, legal professionals, accountants, real estate agents, and any NZ business with AML/CFT obligations.
It supports individuals, companies, trusts, partnerships, sole traders, charities, incorporated societies, and estates.
No. AMLayer is a decision-support tool.
It accelerates document review and highlights risk indicators, but final judgement remains with a qualified AML officer.
Where human review is required, AMLayer clearly flags the need for sign-off.
Traditional AML reviews rely on checklists, manual cross-checking, and internal knowledge.
AMLayer provides a consistent, always up-to-date review engine that works in seconds.
No implementation project. No system migration. No training programme.
Upload documents, enter client type, and receive a structured compliance memo in under 2 minutes.
Using AMLayer
AMLayer accepts PDF, JPG, PNG, and WebP files.
Scanned documents are supported using OCR extraction.
ZIP files containing multiple documents are also supported.
Supported structures include:
• Individual (including joint clients) • NZ Company • Trust (including corporate trustees) • Limited Partnership • Sole Trader • Partnership • Charity • Incorporated Society • Estate
Multi-layer ownership structures are automatically traced to natural persons.
AMLayer detects POA and EPA references automatically.
Where relevant, the system verifies both donor and attorney, checks for certified POA copies, and flags missing documentation required under AML/CFT rules.
AMLayer is aligned with:
• NZ AML/CFT Act 2009 • NZ Statutes Amendment Act 2025 • DIA / FIU guidance
Rules are updated as legislation evolves.
Yes.
Additional documents can be uploaded and re-analysed at any time.
AMLayer updates findings while preserving original review context.
Accuracy & Compliance
AMLayer uses a leading AI model for legal and structured document analysis.
Each review includes a confidence rating.
Complex structures or lower-confidence cases are automatically flagged for human review.
Yes.
Each review generates a structured AML memo including reference ID, date, document checklist, risk rating, missing documents, and recommended next steps.
The memo can be exported for audit or record keeping.
Yes.
EDD triggers detected include PEP exposure, overseas entities, complex ownership layers, foreign trusts, and unclear source of funds.
Where EDD applies, AMLayer adjusts required documentation and flags additional review steps.
Privacy & Security
No.
Documents are processed in-memory. Extracted text is analysed, but original files are not stored. Data is cleared when the browser session ends.
Yes.
AMLayer is designed for sensitive client documentation including passports, trust deeds, and bank statements.
AI models are not trained on your data.
Pricing & Access
AMLayer is priced per review: Individual $8 · Entity $15 · Trust $20.
Volume pricing is available for firms running multiple reviews per month. Book a demo to discuss.
Yes.
Quick Review allows up to 5 documents free, returning missing documents and top risk flags.
Full review includes a structured memo, EDD checks, ownership diagram, and export functionality.