BSA/AML Compliance Reviews

Enhance your BSA/AML compliance program with trusted, independent testing.

Under the Bank Secrecy Act (BSA), financial institutions must maintain a fully compliant, risk-based Anti-Money Laundering (AML) program. Regulators expect independent testing to confirm program adequacy, uncover weaknesses early and ensure alignment with the FFIEC BSA/AML Examination Manual.

As examiner expectations continue to rise, maintaining strong BSA/AML compliance puts added pressure on internal teams. Independent, objective testing provides the clarity and assurance needed to stay ahead of regulatory requirements. Our exam-aligned BSA/AML and OFAC reviews identify gaps, strengthen controls and reduce regulatory risk.

Schedule your independent BSA/AML review today

45+ years serving community financial institutions exclusively

Former bankers, auditors, regulators & certified BSA/AML professionals

Tailored, risk-based testing that meets examiner expectations

Actionable reporting to strengthen internal controls

Independent testing that strengthens your BSA/AML compliance program

Access deeper expertise

Complex requirements demand advanced skills and experience.

Save your team time

We handle the full review so staff can focus on core responsibilities.

Avoid exam surprises

Risk-based, FFIEC-aligned testing uncovers gaps early so you can reduce regulatory risk.

Achieve true independence

Objective, conflict-free reviews strengthen the credibility of your program.

Your internal team understands compliance, but they may not have the specialized expertise examiners expect in complex, high-risk BSA/AML and OFAC areas. When the same team manages and tests the program, true independence is lost.

Y&A fills these gaps with fully independent, risk-based testing that delivers objectivity, clarity and deep BSA/AML expertise to your institution.

Why a strong BSA/AML compliance program matters

We don’t just find problems — we deliver solutions to correct them.

A compliant, well-documented BSA/AML program requires:

	A current, accurate BSA/AML/OFAC risk assessment
	Robust monitoring and reporting of suspicious activity
	Clear, consistently followed policies and procedures
	Adequate training across all relevant staff levels
	Documentation that the program aligns with regulatory expectations and exam findings

An independent review from Y&A helps ensure your program meets these expectations, keeping you ahead of regulatory risk while strengthening internal controls and supporting your staff.

Contact an expert

Comprehensive BSA/AML & OFAC independent testing

We offer tailored reviews that meet examiner expectations. Our experts work with your team to define the scope based on your institution’s specific needs and risk profile. Each review includes a comprehensive assessment of your BSA/AML risk assessment, policies, procedures, processes and practices for all areas of BSA compliance, including:

Currency transaction reporting (CTR) & exemptions
Suspicious activity monitoring
Suspicious activity reporting (SAR)
Funds transfer & monetary instrument recordkeeping
Remote deposit capture (RDC)
Customer identification programs (CIP)
Customer due diligence (CDD)

Regulatory examination results
Beneficial Ownership requirements
Cash shipments
OFAC requirements
USA PATRIOT Act sections 314(a) and 314(b)
FFIEC expanded procedures, when required
Record retention requirements

BSA/AML training & support

We offer customized BSA/AML training for frontline staff, BSA officers and senior leadership. Our training helps employees stay current on regulatory expectations, red flags and emerging changes.

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