Personnel Due Diligence, in detail.
More on how each part of Clearhouse's work fits together, and what to expect from each.
Personnel Due Diligence Health Check
You've started. You're just not sure what's next.
That's a common position right now, whatever sector you're in. Personnel Due Diligence is in your AML/CTF program somewhere. Working out what to do about it, in practice, is usually the harder part.
A Health Check starts with a short working session with Clearhouse. Beforehand, we’ll ask you to be ready to describe who does AML/CTF work at your business, including anyone outside the payroll, and how people are checked when they start and afterwards, so the session goes straight to what matters. Sessions run 90 minutes to two hours, held remotely across Australia or on-site for Sydney-based clients.
Within three business days, you’ll receive a written summary: what's working, what needs attention, and what to prioritise first, in plain language. It’s an operational summary, not a compliance certification, and its recommendations go to your AML/CTF compliance officer and senior manager for their review and adoption.
If you move forward with a full Personnel Due Diligence engagement afterwards, the Health Check fee is credited against it.
Personnel Due Diligence implementation
You’ve got a policy. You need it to run.
You need an AML/CTF program in place before we start. From there, Clearhouse takes your Personnel Due Diligence policy and builds the framework behind it: which roles are in scope, what level of due diligence fits each one, and how it runs day to day without us in the room.
The engagement is scoped to your business, your sector and your size. We start with a discovery session to understand your current AML/CTF program and where PDD sits within it, then work through it in stages, checking in with you as we go.
You come out with a process that is documented, understood by the people who run it, and structured in accordance with AUSTRAC’s published guidance. Your senior manager and AML/CTF compliance officer review and adopt the recommendations before anything goes live.
Process & workforce integration
You've got something in place. You're just not confident it actually works the way you think it does.
This is for businesses where PDD exists on paper but hasn't been properly tested against how the business actually operates day to day. We work through what you've built, find where it breaks down in practice, and strengthen it so it holds up, not as a document, but as something your team follows without having to think twice.
We look at how PDD connects to staff onboarding, how trigger points are picked up when roles change, and when periodic reassessments fall due. We also check whether the process matches what’s really happening on the ground. Where it doesn't, we help you close the gap and embed the fix into the processes you already use.
You end up with a program that's not just written down, but actually running.
Existing workforce review
Your obligations don't start with your next hire.
It’s easy to focus Personnel Due Diligence on new appointments and overlook the people already performing AML/CTF functions. AUSTRAC expects due diligence checks on current personnel at newly regulated businesses. Our reading is that this has applied since 1 July 2026, with no grace period.
We start by identifying which of your current roles are in scope, then work through what's already been done, professional memberships, past checks, existing records, and what hasn't. You'll come away with a clear picture of where your existing workforce sits, and what to do next if there's work to do.
Where there's meaningful work to do, we'll set out what that looks like and how to sequence it, starting with your highest-risk roles.
Workshops & training
For industry bodies, franchise groups and larger organisations who need their people to understand Personnel Due Diligence, not just hear about it once.
We run practical sessions that walk participants through what PDD actually requires, where gaps tend to appear, and what to check for in their own organisation. Sessions are pitched at the people responsible for getting PDD right, not a general compliance briefing.
Formats and length are built around your group. Get in touch to talk through what would work for your organisation.
Not sure which approach is right for you?
You don’t need to work that out before you talk to us. Book a conversation and we’ll talk through where you’re up to and whether a Health Check, implementation support or something else fits best.