AML Risk Assessments That Drive Your Compliance Program
Regulators expect your AML controls to follow your actual risks, not a checklist. Our enterprise wide BSA/AML risk assessments measure inherent risk, evaluate how well your controls work, and give you a clear residual risk rating that shapes your policies, monitoring, and resources.
Your controls should match your risks. Prove it.
Examiners and sponsor banks check whether your AML controls are calibrated to your actual risks. We build a documented methodology that links each risk to a control, so your program is defensible.
Five Risk Categories
Products, customers, geography, channels, volume
Inherent to Residual
Controls tested and risk re-scored
Board-Ready Report
Methodology, ratings and action plan
Who needs a risk assessment
MSBs & Money Transmitters
A core part of your AML program and your state license applications.
FinTechs & Payment Companies
Sponsor banks and BaaS providers expect a current assessment.
Companies Facing Exams
Examiners review assessment quality, and weak ones lead to findings.
How it works
Business & Data Review
We gather your products, customer base, geographies, channels and transaction data.
Inherent Risk Scoring
We rate money laundering and terrorist financing risk across five categories.
Control Evaluation
We test how well your controls mitigate each risk and determine residual risk.
Report & Action Plan
You receive a board-ready report with ratings, gaps and remediation steps.
Frequently Asked Questions
What's the difference between inherent and residual risk?
Inherent risk is your exposure before controls. Residual risk is what remains after your controls are applied. Regulators expect you to document both.
How often should a risk assessment be updated?
At least every 12 months, and whenever you launch new products, enter new markets or see major changes in your customer base. Many banking partners won't accept an assessment older than a year.
Who needs a BSA/AML risk assessment?
MSBs, money transmitters, FinTechs, crypto exchanges, payment processors and other financial service providers that must maintain a risk-based AML program.
Know your risks before a regulator defines them
Book a free consultation and get a risk assessment your bank and examiners will accept.