AML Compliance Program

Produces a comprehensive, board-ready AML compliance program tailored to a financial institution's risk profile, satisfying BSA, FinCEN, and federal/state requirements.

Checkpoint A: Pre-Draft Intake (Mandatory)

Before drafting, collect from the user:

1. Existing policies — current AML program, risk assessments, exam reports, regulatory correspondence
2. Institutional profile — org chart, business lines, products, customer demographics, geographic footprint
3. Risk data — prior assessments, audit findings, enforcement actions, consent orders
4. Applicable regulations — confirm institution type (bank, MSB, broker-dealer) to determine which CFR parts, FinCEN guidance, and agency bulletins apply

Do not proceed until items 1–2 are addressed. Items 3–4 may be developed during drafting if unavailable.

Quick Start

Draft a numbered policy document covering all sections below. Calibrate depth to the institution's size, complexity, and risk profile.