Built by Paul Wise · Options21

Veriqua — The compliance
operating system

The only dual-regime compliance platform we are aware of covering both AFSL/ASIC and AUSTRAC/AML obligations in a single system. Purpose-built for Australian financial services firms — in live daily use.

Visit Veriqua.com.au → Request a demo
64
Live Features
9.6
Maturity Score /10 (self-assessed)
Dual
AFSL + AUSTRAC
161
Tests Passing
Platform at a glance
14AFSL/ASIC Modules
21AML/AUSTRAC Modules
7AI Features Live
15AUSTRAC Program Folders
11Regulatory Anchors
v6.0Feature Assessment (self-assessed)
What is Veriqua

The compliance platform
AFSL firms actually need

Veriqua is a production multi-tenant SaaS compliance platform purpose-built for Australian AFSL holders and AUSTRAC-regulated firms. Every module maps to a specific section of Australian law — the Corporations Act 2001, AML/CTF Act, Privacy Act, and eleven ASIC Regulatory Guides.

Built entirely by Paul Wise — the same person who has traded options professionally for 20+ years and runs Options21 — Veriqua is in live daily use by Ivanhoe International (AFSL 247412). Every feature has been built to solve a real compliance problem, not a theoretical one.

As at June 2026: 64 live features across 7 categories, 161 automated tests passing, Product Maturity rating 9.6/10.

Platform modules
📋
Compliance Core (AFSL)
Obligations, incidents, breaches, complaints, conflicts, training, remediation, controls, board actions, audit.
14 Live Features
🏦
AML / AUSTRAC
SMR register, TTR log, IFTI register, KYC onboarding, sanctions screening, transaction monitoring, BWRA.
21 Live Features · 15 Folders
🤖
AI & Automation
Smart intake, predictive risk scoring, ASIC notification drafter, regulatory change triage, 10 automation rules.
7 Live + 1 Partial
🏛️
Governance & Assurance
Source document library, diligence room, digital sign-off, continuity planning, regulatory updates feed.
9 Live Features
🔒
Whistleblower
Anonymous public portal, segregated case management, SHA-256 hashing — Corporations Act Part 9.4AAA.
3 Live Features
⚙️
Platform & Infrastructure
Multi-tenant architecture, 7 platform roles, append-only audit log, daily backups, email notifications.
12 Live Features
 

5 statutory timers — built in

The clock starts the moment you classify a matter. No calendar reminders. No spreadsheet. The system counts down.

30 days
s912DAA Breach Notification — ASIC report deadline from moment of breach classification
Corporations Act s912DAA
45 days
RG 271 IDR — maximum window for complex or exceptional complaints requiring third-party investigation
RG 271; s912A(2)(e)
21 days
RG 271 IDR — superannuation complaint resolution window (post Nov 2023)
RG 271 (Nov 2023 update)
24 hours
SMR Terrorism Financing — AUSTRAC lodgement deadline for TF suspicion matters
AML/CTF Act s41
3 days
SMR All Other Matters — AUSTRAC lodgement deadline (business days)
AML/CTF Act s41
Who it's for

Built for every regulated firm

📜
AFSL Holders

Any firm holding an Australian Financial Services Licence under the Corporations Act. All registers required under s912A covered — in live daily use.

  • s912DAA 30-day breach clock runs from moment of classification
  • Every board report, breach, and control test is SHA-256 signed — formatted to the standard a regulator would expect
  • Monthly board packs generate in one click from live register data
  • RG 271 IDR timers run automatically — 45 days standard, 21 days superannuation
🏦
AUSTRAC-Regulated Firms

All 15 AUSTRAC program folders covered — Part A governance, Part B customer due diligence, Part C operational. Tranche 1 and Tranche 2 entities.

  • SMR countdown timers run automatically to keep lodgement deadlines front of mind
  • KYC, ECDD triggers, sanctions screening and transaction monitoring all connected
  • Customer Onboarding Portal — clients submit identity documents directly into the system
  • 13 structured AML SOPs covering every operational scenario
⚖️
Tranche 2 Entities

The AML/CTF Amendment Act 2024 received Royal Assent on 29 November 2024. The transition clock is running for lawyers, accountants, real estate agents, and precious metals dealers.

  • AML Essentials from A$249/month — sized for Tranche 2 firms without an AFSL
  • All AML features + full 15-folder program structure included
  • Purpose-built — not retrofitted from a generic GRC platform
  • AUSTRAC Customer Onboarding Portal included in all plans
🤝
Compliance Consultants & Advisers

Veriqua is multi-tenant. A consultant recommending it to clients is recommending a platform where each client's data is structurally isolated — enforced at the middleware layer, not a WHERE clause.

  • Each client's data is completely separate — no cross-tenant data risk
  • Diligence Room: provide time-limited read-only access to a client's compliance posture without them preparing an export
  • Seven platform roles and eight regulatory capacities — the right title appears on every sign-off
  • All 64 features available to each tenant immediately on activation
AI & Automation

AI embedded in the workflow
— not bolted on as a chatbot

Every AI feature operates on compliance data the Compliance Officer already owns. PII, AML records, and whistleblower data are explicitly excluded from all AI prompts by design.

Smart Intake
Free-text incident or breach description is converted to structured form fields automatically. Reduces data entry time and improves record consistency.
● LIVE
ASIC Notification Drafter
Breach record converted to a draft s912DAA notification for the Compliance Officer to review and submit. Removes the blank-page problem for a hard 30-day statutory deadline.
● LIVE
Predictive Risk Scoring
30/60/90-day compliance risk forecast using live register data. Outputs a structured risk score with contributing factors identified — not a black-box rating.
● LIVE
AML Typology Alerts
AI-assisted matching against the AUSTRAC typology library — structuring, smurfing, trade-based money laundering, professional money laundering networks. Surfaces SMR recommendation where patterns match.
● LIVE
Regulatory Change Triage
RSS feed items processed by AI and assigned a category, relevance score, and linked obligations. Compliance Officers see only what is relevant to their firm's regulatory footprint.
● LIVE
Automation Engine
10 server-side automation rules: 6 AFSL (breach escalation, CPD expiry, monitoring reminders) and 4 AML (ECDD trigger detection, sanctions escalation, SMR deadline alerts). Runs on schedule without manual intervention.
● LIVE
Data sovereignty

Built in Australia.
Hosted in Australia.
Owned in Australia.

ACN 697 961 023 · Veriqua Pty Ltd
  • Platform owned by Veriqua Pty Ltd, an Australian company
  • Daily database backups to Australian-hosted object storage with 30-day retention
  • All intellectual property owned by the founder — no third-party IP encumbrances
  • No GPL/LGPL/AGPL dependencies in the production codebase
  • 6-hourly automated backup to private GitHub repository — entire platform recoverable from source
  • Multi-tenant isolation enforced at middleware layer — not a WHERE clause that could be bypassed
  • Append-only audit log — no record can be altered after it is written
  • Australian-resident AI inference (Azure OpenAI Australia East) — planned feature, not yet live
 

Transparent pricing

AFSL pricing — three tiers, no hidden modules. All prices AUD, GST included. Annual billing saves 2 months.

AFSL Essentials · Up to 3 users
A$349/mo

Built for solo practitioners and small AFSL firms. All 14 core compliance modules included.

Compliance Dashboard — live obligation & breach status
Obligations Register — digital sign-off chain
Incidents & Breaches Register — 30-day ASIC timer
Complaints Register — RG 271 deadline timers
AI Compliance Assistant
Anonymous Whistleblower Portal
View full plan →
Most Popular
AFSL Professional · Up to 15 users
A$695/mo

For growing AFSL firms ready to systemise their compliance function.

Everything in AFSL Essentials, plus:
Internal Audit Module — findings, ratings, responses
Controls & Evidence — 25+ seeded controls
Remediation Register — actions, owners & due dates
Compliance Monitoring Tests
Board Pack PDF — one-click from live register data
Get started →
AFSL Enterprise · Unlimited users
A$1,290/mo

For large AFSL firms, multi-entity groups, and dealer networks.

Everything in AFSL Professional, plus:
Multi-entity & Multi-AFSL configuration
Automation Engine — 10 configurable compliance rules
Priority support & onboarding assistance
Custom data migration from existing systems
Contact for quote →
AML / CTF Plans · Tranche 1 & 2
A$249/mo

Three tiers: Essentials (A$249), Professional (A$649), Enterprise (A$1,090). All 15 AUSTRAC program folders included in every plan.

Full AML/CTF Program — all 15 AUSTRAC folders
45 AUSTRAC obligations mapped and tracked
SMR timers, KYC Portal, BWRA, Training Register
Built for Tranche 2 entities from day one
View AML pricing →
AFSL + AML Bundle
Dual Professional · Up to 20 users
A$1,095/mo

Complete AFSL + AML/CTF in one platform. Saves A$249/month versus buying separately.

Complete AFSL Professional — all ASIC registers & timers
Complete AML/CTF — all 15 AUSTRAC program folders
Single audit trail across ASIC and AUSTRAC
AI Risk Scoring across AFSL obligations & AML health
Get started →

Annual billing saves 2 months. GST included. Cancel anytime. Full plan comparison at veriqua.com.au/pricing

Software Disclaimer: Veriqua is a software tool designed to assist compliance officers in managing their regulatory obligations. It does not constitute legal advice and does not guarantee regulatory compliance. Users remain solely responsible for meeting their obligations under Australian law, including the Corporations Act 2001, AML/CTF Act 2006, and all applicable ASIC and AUSTRAC requirements. No reliance should be placed on Veriqua as a substitute for independent legal or compliance advice. Veriqua Pty Ltd (ACN 697 961 023) is a separate entity from Ivanhoe International Pty Ltd (AFSL 247412).

Ready to fix your compliance?

Visit Veriqua.com.au to explore the full platform, start a trial, or request a demo. Built by Paul Wise — the same person who runs Options21.

Go to Veriqua.com.au → Contact Paul directly