2026 AML Examination Readiness Assessment

Most AML programs have critical blind spots that examiners will find before you do.

Answer 10 questions and get your Examination Readiness Rating, benchmarked against SR 21-8, FFIEC guidance, and the latest 2026 enforcement actions.

Takes 60 seconds · No login required

Built for compliance teams at financial institutions

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Who it's for

BSA officers, compliance managers, and risk leads at banks, credit unions, fintechs, MSBs, and crypto platforms facing regulatory scrutiny.

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What it does

Scores your AML program across five exam-critical dimensions: model validation, monitoring coverage, documentation, independent testing, and governance.

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What you get

A tiered Readiness Rating, the exact examiner questions you're likely to face, and prioritized recommendations to close your biggest gaps.

Section A — Institution Profile

Institution type *

Approximate monthly transaction volume *

Count of transactions processed monthly, not dollar volume. We use this to evaluate whether your monitoring approach is appropriately scaled to your transaction load.

Do you operate a BaaS or fintech partnership program? *

A BaaS or sponsor banking program means your institution provides banking infrastructure (accounts, payment rails, compliance coverage) to fintech partners serving their own end customers. OCC and Federal Reserve guidance hold your institution responsible for AML oversight across all partner activity, not just your direct customers.

Section B — Compliance Maturity

Current AML monitoring approach *

Select the approach that best describes your primary method for detecting and flagging suspicious transactions. If you use multiple approaches, select the most advanced one currently in production.

Current compliance vendor (optional)

Last model validation *

When was your transaction monitoring model or ruleset last formally validated for performance, threshold calibration, and regulatory alignment? Under SR 21-8, this obligation belongs to your institution. Not your vendor.

Is your AML model validation conducted by an independent party? *

SR 21-8 requires that AML model validation be conducted independent of the team that develops and operates the model. Vendor-managed validation does not satisfy this requirement. The bank owns the obligation.

Primary compliance concern *

Select the priority that best reflects where your AML program is focused right now. This shapes the examiner questions and recommendations in your assessment.

If an examiner requested your AML model governance file today, which components could you produce? *

These are the five documentation components examiners most commonly request during BSA/AML model reviews, per SR 11-7 and FFIEC guidance. Select all that your institution could produce today.

Model risk management policy covering AML / TM modelsModel inventory with documented risk tieringMost recent independent validation reportOngoing monitoring and performance tracking documentationBoard or audit committee AML model reporting

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