As we approach the next reporting cycle, now is a good time to start preparing your AML/CFT annual report.

All annual reports must be submitted between 1 July and 31 August 2025. While the deadline is fixed and cannot be extended, preparing ahead of time gives you the space to gather the right information, clarify any questions, and complete your submissions with confidence.

Who Needs to Report?

If your business offers services involving financial transactions, client funds, or advisory roles, you’re likely captured under the Act. This includes many law firms, accountants, real estate professionals and financial service providers.

Your obligation is to submit an AML/CFT annual report to your Supervisor each year. If you’re unsure whether this applies to your organisation, it’s a good idea to check the official guidance provided by your Supervisor:

• Department of Internal Affairs (DIA): https://www.dia.govt.nz/AML-CFT-List-of-Reporting-Entities
• Financial Markets Authority (FMA): https://www.fma.govt.nz/business/focus-areas/amlcft/
• Reserve Bank of New Zealand (RBNZ): https://www.rbnz.govt.nz/regulation-and-supervision/anti-money-laundering-and-countering-terrorism-financing/aml-cft-list-of-reporting-entities

What the Report Covers

The AML/CFT annual report summarises your activity for the 12-month period from 1 July 2024 to 30 June 2025, and helps demonstrate that you are:

• Meeting AML/CFT obligations
• Identifying and managing money laundering and terrorism financing risks
• Maintaining an up-to-date Risk Assessment and Compliance Programme (RA/CP)

Supervisors use the report to assess compliance and identify whether further engagement is needed.

What You’ll Need to Provide

Your report includes the following information:

• Business details – Legal name, company number, addresses, Compliance Officer, structure and locations
• RA/CP status – Whether your documents are current, and if any changes or audit findings have occurred
• Products, customers and delivery channels – Services offered, customer types (e.g. individuals, companies, trusts), and how services are delivered
• Supervisor-specific questions – Based on which Supervisor you report to (DIA, FMA, or RBNZ)
• Exemptions – Completed only if your business holds a Ministerial exemption

Your report must be submitted in the required format and reflect any audit findings from the reporting period.

Where to Submit the Annual Report

Your annual AML/CFT report must be submitted following the instructions provided by your Supervisor.

If you need support pulling your report together, you can refer to your Supervisor’s website, contact them by email, or engage an AML consultant for assistance.

Depending on which Supervisor you report to, you can find more information at the relevant link below:

• Department of Internal Affairs (DIA): https://www.dia.govt.nz/AML-CFT-Annual-Report
• Financial Markets Authority (FMA): https://www.fma.govt.nz/compliance/guidance-library/annual-amlcft-report-user-guide/
• Reserve Bank of New Zealand (RBNZ): https://www.rbnz.govt.nz/regulation-and-supervision/anti-money-laundering-and-countering-terrorism-financing/aml-cft-obligations

Preparing with Confidence

Starting early gives you time to gather the right information, check your RA/CP is up to date, and ensure your reporting reflects any changes in your business. If there are compliance gaps, it’s best to acknowledge them clearly. Supervisors value accurate and transparent reporting.

AMLHUB users can run a Management Report for the 1 July 2024 to 30 June 2025 period to generate the data required.

Need Help Preparing Your Annual AML/CFT Report?

If you’d like help preparing your report, AML Solutions offer a support service that includes data preparation, drafting, and submission. Pricing starts at $500 + GST, and spots are limited during the reporting period – so we recommend booking early. Terms and Conditions apply.