Anti-Money-Laundering Policy review

AML / OFAC / BSA policy under the FinCEN five-pillar program rules, including customer due diligence and beneficial-ownership identification (31 C.F.R. § 1010.230), plus state law.

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What it checks

AML program — BSA five pillars

AML policy must establish the five-pillar AML program (BSA + FinCEN CDD final rule, 81 Fed. Reg. 29398 (May 11, 2016)).

Critical · POL-012

OFAC sanctions screening

Policy must require OFAC sanctions screening (SDN + sectoral lists).

Critical · POL-013

Suspicious activity reporting (SAR) procedures

Policy must establish SAR procedures (FinCEN 31 C.F.R. § 1010.320 thresholds + 30-day deadline).

Critical · POL-014

Customer identification program (CIP) + beneficial ownership

Policy must establish CIP and FinCEN beneficial-ownership identification rule.

Critical · POL-015

Currency Transaction Reports (CTR) ≥ $10,000

Covered businesses must file CTRs for currency transactions exceeding $10,000 (31 C.F.R. § 1010.311).

Warning · POL-016

Recordkeeping + retention

AML records must be retained for at least 5 years (31 C.F.R. § 1010.430).

Warning · POL-017

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