The hidden weight of managing compliance.
AFS Licensees are constantly pulled in different directions - endeavouring to scale, build client trust, and keep up with ever-evolving regulations, all while navigating a complex web of compliance obligations. We have experienced these challenges firsthand, and we know the toll it can take on your time and resources.
Cumbersome Manual Processes
AFSL holders struggle with manual compliance processes that are time-consuming, error-prone, and difficult to scale. These outdated methods create inefficiencies, increase the risk of non-compliance, and divert focus from core business goals.
Tools Not Fit For Purpose
The rigidity of general risk management systems results in an inability to adapt to regulatory change. These systems are often outdated, inflexible, and ill-suited to the complex needs of AFS licensees, creating inefficiencies and increasing risk.
Disjointed Compliance Tech Stacks
Disjointed compliance tech stacks lack a centralised source of truth. Relying on multiple disconnected tools leads to confusion, data discrepancies, and makes it increasingly difficult to maintain consistent, accurate compliance and reporting.
Restrictive Workflow Customisation
Tailoring compliance workflows to suit the unique needs of an AFSL and continuously changing regulations can be a significant challenge. The process is often time-consuming, resource-draining, and hard to adapt, creating inefficiencies and potential compliance risks.
Firm-wide access.
Purposefully designed for firm-wide use, in managing a licensee's ongoing s912A General Obligations. We believe that promoting firm-wide participation in managing compliance sets the tone from the top down.
Ready from day-one.
Our 'out-of-the-box' solution is designed to be your central command for compliance, offering built-in guidance and intuitive functionality, reducing reliance on specialised, costly resources.
Flexible & Scalable
With our highly customisable modules, firm's can tailor the platform to fit its unique compliance framework requirements. We're about efficiency, scalability and being fit for purpose. Looking to customise modules to suit your existing compliance framework? Not a problem - we'll get you up and running in weeks (if not days).
Designed to scale, effortlessly
3Lines is designed to scale effortlessly alongside self-licensed firms, ensuring that compliance management remains robust and adaptable, even during times of growth. Our platform’s scalability, combined with expert support, guarantees seamless operation and continuous alignment with the evolving needs of AFSLs.
Powerful features to streamline compliance.
Our platform transforms complex regulatory requirements into manageable workflows. Each feature reduces administrative burden while strengthening your compliance posture, giving you more time to focus on growing your business and serving clients with confidence.
Customisable workflows
Built specifically for AFSL compliance, 3Lines' configurable modules are designed to adapt to your regulatory needs and monitoring framework.
One agile, source of truth
Centralising compliance management, streamlining workflows, and adapting to change empowering AFSLs with clarity, efficiency, and control.
Purpose-built solutions
Addressing industry-specific needs, 3Lines is streamlining compliance and providing a structured solution that goes beyond generic ERM systems.
Rapid implementation
Ready to use out of the box, with AFSL-specific modules pre-configured for swift onboarding. This means you can be fully operational within minutes.
Real-time updates
3Lines is updated in real-time, by industry experts, to reflect regulatory change. Requiring no custom coding or external consultants.
50%
Average reduction in outsourced compliance consulting resources.
45%
Average reduction in time spent finalising Adviser Reviews.
70%
Reduction in time spend on ASIC IDR reporting activities.
3x
Increase in remediation action items finalised by advisers.
Endorsed by experts.
Backed by results.
By identifying common challenges faced by AFSLs, we’ve built a tool that is both robust and adaptable, designed to support firms in navigating strategic decisions with confidence, all while addressing the complex needs that unite our industry.
Trusted by teams who want to cut through complexity
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Findex Group
3Lines have been outstanding to work with, consistently accommodating our requests for adjustments and bespoke improvements. The integrity of our quality oversight has improved so much that we have expanded the use of the 3Lines to other service lines, including Accounting, Tax, and our Investment Platform. It has been a game-changer for our business.
InterPrac Financial Planning
We’re excited to partner with 3Lines to enhance our compliance processes. This collaboration supports our goal of making compliance more efficient and adaptive. Looking forward to the journey ahead!
Godfrey Pembroke
We have been able to work with 3Lines to build in additional functionality and flexibility with the offer it has been and continues to be an excellent partnership for our business.
Centric Wealth
Working with 3Lines has been an absolute pleasure and nothing we have asked for has been a problem. One of the best vendors we have ever worked with.
Symmetry Group
3Lines has been revolutionary platform for us - it makes the "challenging", "easy", allowing us to deliver great support to our Corporate Authorised Representatives as a licensee.
CY Financial Advice
A thoroughly professional and highly capable provider of compliance solutions. 3Lines sets itself apart by its passion for simplifying compliance and providing an understanding and tailored approach to its clients. It's a game changer.
Your questions, answered.
Everything you need to know, all in one place.
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How does 3Lines help us meet our AFSL compliance obligations?3Lines maps to key AFSL obligations under the Corporations Act, ASIC Regulatory Guides, and ASIC’s expectations. Our platform centralises your monitoring and supervision program, compliance registers, training logs, representative attestations, and more — giving you confidence that nothing slips through the cracks.
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Can 3Lines be tailored to our compliance framework and business structure?Yes. 3Lines is built to flex with your business. Whether you’re self-licensed, a multi-AFSL group, or have distinct advice channels, you can configure modules, registers, workflows, and user permissions to reflect your unique compliance framework.
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How does 3Lines support adviser monitoring and supervision?Our platform includes structured adviser reviews, pre-vetting workflows, automated alerts for remediation and action items, and centralised reporting — all designed to make your monitoring and supervision program easier to run, track, and evidence.
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Does 3Lines support IDR Reporting?Absolutely. You can log and classify client complaints, attach supporting evidence, track remediation steps, and generate coded reports for biannual ASIC IDR Reporting. Built-in workflows help ensure timely escalation and a full audit trail — supporting your obligations under the IDR reporting regime.
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What support is available if we need help?You will have access to both technical support and our consulting partners. Whether you are configuring your framework or responding to a regulatory change, we are here to help. Real people. Real expertise.
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Is our data secure with 3Lines?Yes. Security is a core focus of our platform, not an afterthought. All data is encrypted, securely stored in Australia, and governed by strict access controls. You can manage user roles and permissions easily - so the right people see the right things, and nothing more.
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Is there a free version?Yes - you can start with 3Lines Lite, our free forever version with essential tools. For advanced features like adviser reviews and profiles, compliance calendar, attestations, onboarding, professional year etc, you can upgrade to 3Lines Premium. For firms requiring customised workflows and functionality, we have our Enterprise offering. Pricing is simple, transparent, and month-to-month with no lock-in contracts.
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How long does onboarding take, and what’s involved?Onboarding is quick and guided. You can be up and running in under 5 minutes! Need assistance? We can assist in onboarding users or discussing strategies to optimise current workflows. You don’t need to be tech-savvy - we do the heavy lifting with you.
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Does 3Lines integrate with our existing systems?3Lines is designed to play nicely with your ecosystem. You can upload documents, link adviser records, export data for reporting, and set email alerts. We also support custom integration options for our enterprise clients.
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How does 3Lines support record-keeping obligations?Every action in 3Lines is time-stamped and auditable. You can store documents, track attestations, and export registers easily. This makes it simple to meet ASIC’s record-keeping expectations - and prove it when needed.
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What happens if we get audited or reviewed by ASIC?You’ll have a clear, accessible audit trail across all compliance activities conducted in 3Lines. Many of our clients have successfully used 3Lines during ASIC reviews to demonstrate how they monitor and supervise advisers, identify and manage breaches and complaints, and maintain licensee oversight.
Discover how we're
helping our clients.
By identifying the common challenges faced across regulated firms, we’ve built a tool that’s both robust and adaptable - designed to support strategic decision-making while tackling the complex compliance needs shared by advice and service providers throughout the industry.
Boutique AFS Licensees
Boutique AFSLs often struggle with the heavy burden of regulatory compliance, which can be time-consuming and complex. Keeping up with evolving regulations, maintaining accurate documentation, and ensuring that all representatives adhere to legal standards can overwhelm small teams with limited resources.
Mid to Large Scale Firms
Compliance teams in mid to large scale financial advisory firms face challenges with the complex and evolving regulatory landscape. Keeping up with constant updates, and implementing them accurately, is difficult, exacerbated by inefficient manual processes and limited resources, increasing risks of fines and reputational damage.
Compliance Consultants
With constant changes in legislation and guidelines, staying updated is essential but time-consuming for Compliance Consultants - we know because we've been there! Balancing compliance with needs of building a successful business, managing client expectations, and ensuring thorough record keeping, all add to the pressure.
Dealer to Dealers
With constant changes in legislation and guidelines, staying updated is essential but time-consuming for Dealer to Dealers and their members. Balancing compliance with the practical needs of building a successful business, managing client expectations, and ensuring thorough record keeping, all add to the pressure.
