Detekta × LCI Advisory
Confidential Partnership Proposal — LCI Advisory · July 2026

Complete AML/CTF compliance management for your business.

Detekta to become LCI Advisory's outsourced AML compliance function: to provide your tailored AML/CTF program, every KYB/KYC check, transaction monitoring, staff training and MLRO support. Compliant in one week, operating in two, fully integrated with Ignition and Xero inside 45 days.

10,000+
KYB/KYC onboarding checks performed
20,000+
Avg. transactions monitored per day
Agentic AI
Fewer false positives, greater efficiency and more accurate outcomes
220+
Countries we can verify — incl. China, India, Singapore, UK, HK & USA

Prepared by Ricardo Mesiano Maifrino, Founder — Detekta · 9 July 2026 · Commercial in confidence

Executive summary

LCI Advisory becomes fully compliant — without hiring any additional personnel.

From 1 July 2026, LCI Advisory is a reporting entity under the AML/CTF Act. This proposal takes LCI Advisory from non-compliance to an AUSTRAC-ready compliance function — designed, implemented and operated by Detekta. LCI Advisory keep advising clients; Detekta manages your compliance obligation by providing you two key elements:

Your AML/CTF function, managed by Detekta

  • A complete AML/CTF program, policies and procedures written for LCI Advisory's business, board-ready in 7 days
  • Your back book risk-rated and re-verified on a defensible, risk-based schedule
  • Every onboarding case reviewed, every alert investigated, every SMR drafted — by Detekta
  • Your MLRO supported: reports and filings prepared for his approval, plus a quarterly MLRO meeting
  • Staff trained, attendance recorded, evidence audit-ready at all times

A fully managed compliance platform

  • An LCI Advisory-branded client onboarding portal — onboarding with an efficient and positive customer experience
  • KYB, KYC, UBO, sanctions and PEP screening across your full client base
  • Transaction monitoring with agentic AI that cuts false positives — running on CSV extracts from your bank and merchant facility
  • Ignition and Xero integrated: clients onboard from Ignition or your website, data flows back automatically
  • Every check and decision stored audit-ready for 7 years
Day 7
AML/CTF program complete, board-ready
Day 14
Clients ingested, monitoring live, onboarding running
Day 44
Ignition + Xero integrated, team trained
Ongoing
Run by Detekta — remediation, reviews, quarterly MLRO meetings
Why now

The compliance clock has already started on 1 July 2026.

Accounting and advisory firms are now considered Reporting Entities under the reformed AML/CTF Act. LCI Advisory has already made the first move by enrolling with AUSTRAC, and the additional requirements are listed below.

01
Enrol with AUSTRACEnrolment for newly regulated (tranche 2) firms opened 31 March 2026; obligations apply from 1 July 2026.
✓ Done — LCI Advisory · 28 June 2026
02
Adopt an AML/CTF programA documented ML/TF risk assessment, policies, procedures and governance — tailored to your services, clients and channels, approved by your governing body.
☐ Detekta — Day 7
03
Customer due diligenceKYC every individual and KYB every entity you onboard — including identifying and verifying beneficial owners (UBOs) behind companies and trusts.
☐ Detekta — from Day 8
04
Ongoing CDD — no transition periodRisk-rate the existing book and keep it under review, with a defined review cycle for every risk level. This obligation applies from day one.
☐ Detekta — from Day 14
05
Monitor and reportWatch transactions and client behaviour, investigate what looks wrong, and lodge suspicious matter reports with AUSTRAC on time.
☐ Detekta — from Day 14

After nearly four decades building trusted relationships, most of LCI Advisory's clients have never been subject to a formal KYC/KYB process.

The good news: existing clients don't have to be verified all at once. AUSTRAC's transition rules allow a risk-based remediation schedule — defined in your program and spread through the year — provided you actually run it.

That is exactly what Detekta delivers: the program, the schedule, and the platform to execute it.

Scope

Everything an AML compliance team does — without hiring one.

This is not software you have to learn to operate. Detekta drafts, runs and defends LCI Advisory's entire AML/CTF function — the compliance work and the platform that powers it.

The AML Function
📋

AML/CTF Program & Policies

Your ML/TF risk assessment, full program, policies, procedures and customer risk methodology — drafted by Detekta around LCI Advisory's actual services and client base, ready for board approval.

🔄

Back-book Remediation & Ongoing CDD

Your existing clients risk-rated and re-verified on the risk-based schedule your program defines, spread through the year — managed, tracked and evidenced for AUSTRAC.

👥

Outsourced Compliance Team

Detekta reviews every onboarding case, investigates alerts, drafts SMRs and keeps audit-ready records — your compliance team, without the headcount.

✍️

MLRO Support

Your MLRO stays in the chair. Detekta does the work behind the role — investigations, reports and SMRs prepared for his approval — plus a quarterly MLRO meeting to review cases, filings and program health.

🎓

Learning & Development

One 45-minute live video session for current staff who handle clients, client money or have system access. Free online modules for every new employee. Attendance recorded as compliance evidence.

🔍

External Audit Readiness

Every check, decision and record kept audit-ready. When an independent review or AUSTRAC audit comes, Detekta prepares the evidence and supports you through it, end to end.

The Platform
🛡️

KYB & KYC Onboarding Portal

Companies, trusts, individuals, directors and UBOs verified through an LCI Advisory-branded onboarding portal — your logo, your look, our engine. Documents, biometrics and registry checks end-to-end.

📡

Transaction Monitoring

Runs on CSV extracts from your banking accounts and merchant facility — Detekta builds and maintains the extract mapping. Agentic AI investigates alerts and cuts false positives, so only real matters reach your team.

🔗

Integrations & Data Flow

Ignition and Xero connected via their APIs. Clients onboard from Ignition or a secure link on your website, and verified data flows back into your systems automatically.

How it works

The to-be flow, end to end.

Once live, this is how a client and a transaction moves through the process:

Client onboarding

lcipartners.comSecure link on your website
IgnitionNew client triggers onboarding
→
Onboarding link sent to the client One journey — AML data plus your practice fields, on any device
LCI Advisory — Become a client
Sample — your colours, your logo
Continue
→
Detekta verifies & reviews KYB · KYC · UBO · sanctions · PEP — every case reviewed by Detekta
KYB Case · Horizon Trading Pty Ltd ✓ VERIFIED
Company status — Active✓
Beneficial owners — 2 of 2 verified✓
Sanctions · PEP · adverse media✓
Risk ratingLOW
→
Back to your systemsVerified client data lands in Ignition and Xero automatically — no double entry

Transaction monitoring

Bank + merchant CSVPeriodic extracts — you export the file, Detekta maintains the mapping
→
Monitoring & alerts Every transaction scored against your program's rules
Transactions · monthly ingestion
Trust receipt$182,400HIGH
Invoice payment$1,250LOW
Transfer out$48,900MEDIUM
Fee receipt$890LOW
→
Reviewed by DetektaEvery alert investigated end-to-end — evidence gathered, narrative written
→
Suspicious matter
SMR drafted by Detekta→Your MLRO approves→Detekta lodges with AUSTRAC
ClearedNo action needed — the decision is evidenced and stored for 7 years.
Delivery plan

Three phases. Compliant in one week, operating in two weeks, enhanced integration by day 44.

Work-streams run in parallel, not in sequence — the implementation timeline below shows what's delivered, when and what we need from LCI Advisory at each step.

The road to compliance — implementation timeline

◆Day 7Program
◆Day 14Operating
◆Day 44Integrated
Week 1Week 2Week 3Week 4Week 5Week 6Week 7
Phase 1 — Compliance Program
Information pack & discovery LCI Advisory + Detekta
ML/TF risk assessment
Program, policies & risk methodology LCI Advisory validates
Tenant setup & LCI-branded portal
Phase 2 — Start of Operation
Client base ingestion — Ignition CSV LCI Advisory extracts
Transaction history — bank + merchant CSV mapping LCI Advisory extracts
New-client onboarding — run by Detekta
Transaction monitoring live
Back-book remediation — paced monthly
Phase 3 — Enhanced Integration & Training Rollout
Ignition integration API access
Xero integration API access
Tailored onboarding flow + website link LCI Advisory embeds
Training — live session + online modules staff released
Phase 1 Phase 2 Phase 3 ◆ Milestone Continues ongoing
1

Compliance Program

Days 0–7 · from complete information

One week after LCI Advisory provides the information pack, your AML/CTF program exists: risk assessment done, policies drafted, remediation scheduled, tenant configured.

Key activities

  • ML/TF risk assessment of LCI Advisory's business
  • Draft the full AML/CTF program, policies & procedures
  • Customer risk methodology — all existing clients start as low risk, with trigger-based escalation
  • Back-book remediation plan, spread month-by-month through year one
  • Configure LCI Advisory's Detekta tenant, users and case workflows

Key outputs

  • Board-ready AML/CTF program and policy pack
  • Customer risk methodology and ongoing-CDD review schedule
  • Remediation calendar across the full client book
  • Detekta tenant configured and ready to operate
Inputs we need from LCI Advisory: entity details (ABN, structure, licences, AUSTRAC enrolment) · services provided · client base profile · engagement channels · fee and payment flows · client data extract from Ignition (template supplied) · org chart, MLRO details and compliance contact · LCI Advisory to determine and execute an appropriate communication plan to inform its existing client base.
Assumptions: LCI Advisory to provide the completed Information Pack within 2 business days · LCI Advisory reviews and validates the draft AML Program provided by Detekta within 3 business days.
2

Start of Operation

Days 8–14

In a week, the compliance function is running; your client base and transaction history are in the Detekta platform, monitoring is live, and new clients are being onboarded — run by Detekta while the integration is built.

Key activities

  • Ingest the full client base via CSV extract from Ignition
  • Ingest historical transactions via CSV from the bank and merchant facility — Detekta builds the extract mapping
  • Start onboarding new clients, operated manually by Detekta
  • Begin the risk-based back-book remediation, paced monthly
  • Transaction monitoring live on real data

Key outputs

  • All clients loaded and risk-rated in Detekta
  • Monitoring running over live and historical transactions
  • New clients onboarded compliantly from day 8
  • Remediation underway and evidenced
Assumptions: CSV files are extracted and supplied in the agreed templates (Ignition clients; bank and merchant transactions) by LCI Advisory to Detekta · LCI Advisory validates and approves a sample of the ingested data to support implementation.
3

Enhanced Integration & Training Rollout

Days 15–44

Thirty days to wire compliance into the way LCI Advisory already works — and train the team. Clients onboard straight from Ignition or via a secure link your team embeds on the LCI Advisory website, and the data flows back to Ignition and Xero automatically.

Key activities

  • Ignition integration: onboarding triggered from your engagement workflow
  • Xero integration: verified client data flowing back automatically
  • Tailored, LCI-branded onboarding flow — AML data and your practice-management fields in one client journey — plus the secure website link
  • Training: one 45-minute live video session for current staff who handle clients, client money or have system access; online modules set up for new employees at no cost
  • Quarterly MLRO meeting cadence begins

Key outputs

  • Fully automated onboarding — no double data entry
  • Ignition and Xero receiving verified, compliant client records
  • Team trained, with attendance records as compliance evidence
  • Ongoing governance rhythm in place
Assumptions: API access and credentials for Ignition and Xero are granted at phase start · LCI Advisory's website team embeds the onboarding link (we provide it) · staff are released for the 45-minute session · LCI Advisory validates the tailored onboarding flow before go-live.
Your business

Our understanding and key assumptions regarding your business.

The below assumptions are based on our previous conversations, which we are happy to refine further based on your feedback.

Working assumptions

Active clients (LCI Advisory)~5,000
Client mix50% entities · 50% individuals
Beneficial owners per entity (avg)2 UBOs → 2 KYC checks
New clients onboarded10 per month
Book older than 3 years~80%
Initial risk ratingAll existing clients start low risk; trigger-based escalation
Back-book remediationRisk-based; year-1 volume spread monthly
Practice systemsIgnition + Xero, API access available
BankingNo direct bank feed; CSV file ingestion
Trust account activityLow volume — at most ~50 clients transacting

Remediation follows the ongoing-CDD schedule in your program. Because ~80% of the book is already more than 3 years old, it falls due in year one — paced evenly through the year so client service is never disrupted.

Estimated volume over a 3 year period

Check typeExpected
KYB — entity verifications2,680
KYC — UBOs of entities5,360
KYC — individual clients2,680
Total verifications10,720

Back book (2,500 entities + 2,500 individuals, with 2 UBOs per entity) plus 120 new clients per year over the 3-year horizon.

Estimated KYB/KYC checks to be performed

Assuming ~80% of the book is already more than 3 years old, the large majority of all required activities are to be performed in year 1.

Checks falling dueYear 1Year 2Year 33-year total
Existing clients — KYB2,0002502502,500
Existing clients — KYC (incl. UBOs)6,0007507507,500
New clients — KYB606060180
New clients — KYC (incl. UBOs)180180180540
Total checks8,2401,2401,24010,720

Existing-client volumes follow the risk-based remediation schedule in your program, paced monthly; new clients assume 10 per month, half individuals and half entities with 2 UBOs each. What this concentration means for cost is shown in the pricing section below.

Pricing

Two ways to partner: pay per volume, or one fixed monthly fee.

All prices in AUD, exclusive of GST. Scope: LCI Advisory entity only — group and referral savings below.

Option A

Pay per volume

12-month agreement

Standard per-check rates plus setup fees. You pay for what you use, when you use it.

  • Setup: program, training & branded portal$5,000 one-off
  • KYB — entity verification (incl. UBO discovery)$40 / check
  • KYC — individual verification$17 / check
  • Transaction monitoring — standard $3,000/mo, reduced for LCI Advisory's low trust-account volume$800 / month
  • System integration (Ignition, Xero)$5,000 each

At the expected volumes above, pay-per-volume totals ≈ $288,000 over 3 years — with ≈ $212,000 of it falling in year one, because most of the book is already due for review.

RECOMMENDED
Option B

Compliance Plan — fixed cost

36-month agreement

Everything in this proposal, one fixed monthly fee. You know exactly what compliance costs — this month, next month, and in year three.

$6,750 / month ex GST

3-year total ≈ $243,000, billed as 36 equal monthly instalments. *

  • Full AML/CTF program, policies & annual updatesIncluded
  • Setup, live video training + online modules for new joinersIncluded
  • Both integrations (Ignition + Xero) — normally $5,000 each — branded portal & website linkFree
  • Bank & merchant CSV extract mapping and ingestionIncluded
  • All verifications on the estimated volume (2,680 KYB + 8,040 KYC) — rated at $37 KYB / $15 KYCIncluded
  • Transaction monitoring — rated at $500/mo in the planIncluded
  • MLRO support — investigations, reports & SMRs for approval, plus quarterly MLRO meetingsIncluded
  • External audit readiness & supportIncluded

* The fixed fee covers the estimated volume of 2,680 KYB and 8,040 KYC checks over the term. Checks above these volumes are billed monthly at $40 per additional KYB and $17 per additional KYC.

Why the Compliance Plan wins: the year-one problem

Apply the two options to the check volumes above — most of the work falls due in year one, and pay-per-volume pricing follows it, while Option B stays flat:

Year 1Year 2Year 33-year total
Pay per volume (Option A)~$212,000~$38,000~$38,000~$288,000
Compliance Plan (Option B) — flat$81,000$81,000$81,000$243,000

Like-for-like comparison on the same ~10,720-check volume: Option A includes setup and both integrations in year 1, and transaction monitoring at $800/month. Under Option B both integrations are included free. Both options exclude GST.

Option B
≈ $45,000 lower
On the same ~10,720-check volume — better unit rates ($37/$15 vs $40/$17), cheaper monitoring and both integrations free
Option B
Avoid cashflow spikes
Avoids the year-one cashflow fluctuation from new compliance obligations — one fixed monthly fee instead of a ~$212,000 first-year bill
Option B
Fixed & predictable
One monthly fee covering the estimated 2,680 KYB + 8,040 KYC — extra checks billed only if you exceed them, at $40/$17
The bottom line: ≈ $45,000 lower total cost on the same volume, both integrations free, and a fixed monthly spend you know to the dollar for three years — with no ~$212,000 year-one spike.
Refer & save

More referrals — smaller cost.

This proposal covers LCI Advisory only. And when you send others our way, your bill shrinks too.

Referral credits

5% of each referred client's fee — for 12 months

Refer a firm to Detekta and, when they sign, we credit 5% of that client's monthly fee against your bill for 12 months — stacking with every referral. The bigger the client you refer, the bigger your discount.

About Detekta

The platform behind the service.

Detekta isn't a single-vendor checkbox tool. It's an orchestration platform with agentic AI — routing every check to the best source, and letting AI run the investigation so your team doesn't drown in false positives.

🧠

Agentic AI

AI agents run the full investigation loop — gathering evidence, analysing and drafting the narrative — to reduce false positives, improve efficiency and produce accurate, evidenced outcomes. Your MLRO reviews conclusions, not noise.

🔀

Orchestration

10+ best-in-class data providers, routed intelligently. Detekta picks the right source for each check, fails over automatically if one is down, and routes to the lowest-cost source that meets your risk policy.

🌏

Global coverage

Verification across 220+ countries — including China, India, Singapore, the UK, Hong Kong and the USA. Detekta operates across Australia, New Zealand, the UK, the US, Canada and Singapore.

Sign this week, compliant next week.

Review the service agreement, return it signed, and we'll send the information pack the same day. Seven days after it comes back, LCI Advisory has a live, defensible AML/CTF program — and a team running it.

Talk to Ricardo — ricardo@detekta.ai Review the contract