Money Laundering Process Examples

Money laundering process examples in training usually involve cash and organised crime. What reaches an ordinary Australian business looks like normal work.

• Real estate. A purchase funded from an offshore account belonging to someone other than the buyer, with no explanation offered.
• Professional services. A client wanting a company and trust structure that achieves no commercial or tax purpose.
• Accounting. A business declaring revenue well beyond what its size and premises could plausibly generate.
• Any business. Overpayment of an invoice followed by a request to refund the difference to a different account.

The last one reaches almost everyone and is frequently treated as an administrative annoyance rather than as an indicator.

None of these are conclusive. All of them warrant an internal report rather than a decision.

AUSTRAC publishes guidance. This is general information rather than legal advice, and obligations vary by state and territory.

See Sentrient’s AML/CTF training for real estate and AML/CTF course.