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All reporting entities in designated sectors including lawyers, accountants, real estate agents, conveyancers, and trust and company service providers must have their AML/CTF programs in place by this date." } } ] }, { "@context": "https://schema.org", "@type": "BreadcrumbList", "itemListElement": [ { "@type": "ListItem", "position": 1, "name": "Home", "item": "https://www.headstartdocs.com.au/" }, { "@type": "ListItem", "position": 2, "name": "Free Resources", "item": "https://www.headstartdocs.com.au/tranche-2-resources" }, { "@type": "ListItem", "position": 3, "name": "Proliferation Financing Overview", "item": "https://www.headstartdocs.com.au/tranche-2-resources/proliferation-financing-overview" } ] }, { "@context": "https://schema.org", "@type": "Article", "headline": "Proliferation Financing: General Information for Australian Businesses", "description": "General information about proliferation financing (PF) for Australian businesses under Tranche 2. 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[Privacy Policy](/privacy) Essential OnlyAccept All [Skip to main content](#main-content) [ ![HeadStart Docs](/assets/logo-dark-bg-CUivuKJ8.png)![HeadStart Docs](/assets/logo-light-bg-D5BRMGqf.png) ](/) [Home ](/) Features [Programs ](/programs) Resources Sectors [Log in ](/auth) [Portal](/aml-landing) ![Proliferation financing overview](/assets/remittance-raid-Do8AXCSD.jpg) [Back to Free Resources](/tranche-2-resources) 13 December 2025 • Compliance # Proliferation financing: General information for Australian businesses Tranche 2 expands AML/CTF obligations to include proliferation financing (PF) risks. This article provides general information about what PF means and how it relates to AML/CTF programs. ## What is proliferation financing? Proliferation financing refers to the act of providing funds or financial services that are used, in whole or in part, for the development, acquisition, manufacture, possession, transport, transfer, or use of nuclear, chemical, or biological weapons, their means of delivery, and related materials. In simpler terms, it involves financial activity that supports the spread of weapons of mass destruction (WMDs). #### International context The inclusion of proliferation financing in AML/CTF frameworks reflects international standards set by the Financial Action Task Force (FATF). Australia has adopted these standards as part of its commitment to global financial crime prevention efforts. ## Why PF matters under Tranche 2 Under the AML/CTF Amendment Act 2024, reporting entities are required to identify, mitigate and manage not just money laundering (ML) and terrorism financing (TF) risks, but also proliferation financing (PF) risks. This is often referred to as "ML/TF/PF" throughout the legislation and regulatory guidance. For businesses affected by Tranche 2, this means: - Risk assessments typically consider PF alongside ML and TF - AML/CTF programs generally address all three risk types - Sanctions screening may include checks against proliferation-related lists - Suspicious matter reporting may include PF-related concerns ## Sanctions connection Australia maintains sanctions regimes that target proliferation activities. These sanctions are administered by the Department of Foreign Affairs and Trade (DFAT) and may include: - Targeted financial sanctions against designated individuals and entities - Country-specific sanctions programs - UN Security Council sanctions Businesses may consider sanctions screening as part of their approach to managing PF risk. The DFAT Consolidated List includes designations related to weapons proliferation. [Due Diligence Search Tool Search DFAT and UN sanctions lists ](/sanctions-search) ## Questions businesses may consider When thinking about proliferation financing in the context of your AML/CTF program, some questions to consider discussing with your adviser include: - How does PF risk apply to my specific designated services? - What sanctions lists are relevant to my business? - How should I document PF considerations in my risk assessment? - What screening processes are appropriate for my customer base? - How do I recognise potential PF red flags in my sector? - What training should staff receive about PF risks? ## Documentation considerations Businesses commonly address PF in their AML/CTF documentation in the following ways: #### Risk assessment Including PF as a risk category alongside ML and TF, assessing relevance to designated services #### Compliance procedures Documenting any sanctions screening procedures and how PF concerns would be escalated #### Training materials Including PF awareness as part of staff AML/CTF training ## Further resources For official information about proliferation financing and Australia's sanctions regime, refer to: [DFAT Sanctions Guidance Official Australian sanctions information ](https://www.dfat.gov.au/international-relations/security/sanctions)[AUSTRAC AML/CTF regulatory guidance ](https://www.austrac.gov.au/)[FATF Proliferation Financing International standards and guidance ](https://www.fatf-gafi.org/en/topics/proliferation-financing.html) [ Read our complete Tranche 2 Guide Key dates, affected sectors, obligations and how to prepare ](/tranche-2) ### Start your documentation efficiently HeadStart Docs™ free compliance documents include ML/TF/PF risk assessment frameworks. 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