Independent AML Testing That Holds Up to Regulators
Independent testing is a required pillar of every AML program. We objectively review your policies, KYC files, transaction monitoring and SAR decisions, then deliver a report you can hand to regulators, banks and investors.
An audit should find problems before an examiner does.
A rubber-stamp review leaves you exposed. We test how your program actually performs, sampling real files and alerts, and give you clear findings with practical remediation steps.
Risk-Based Testing
Scoped to your products and exposure
Real Sample Testing
KYC files, alerts and SARs
Actionable Report
Findings, ratings and remediation plan
Who we work with
MSBs & Money Transmitters
Businesses required to independently test their AML programs.
FinTechs & Payment Companies
Platforms preparing for bank partner or regulator reviews.
Crypto & Digital Asset Platforms
Exchanges and wallets facing heightened AML scrutiny.
How it works
Scoping
We review your risk profile and agree on the audit scope and period.
Document Review
We assess your policies, procedures and risk assessment against regulation.
Sample Testing
We test KYC files, monitoring alerts, sanctions screening and SAR decisions.
Report & Remediation
You receive findings, an audit rating and a corrective action plan.
Frequently Asked Questions
Who needs an independent AML audit?
MSBs, money transmitters, FinTechs, crypto platforms, broker-dealers and other regulated businesses must periodically test their AML programs. Banks and sponsors often ask for your latest report too.
How often should AML testing be done?
It depends on your risk profile and regulator. Many businesses test annually, and higher-risk companies may test more often. We recommend a frequency based on your risk assessment.
What's the difference between an AML review and an AML audit?
A review is a lighter assessment to spot gaps. An independent audit is a formal, regulator-grade test with structured reporting that satisfies the independent testing requirement.
Know where your AML program stands
Book a free consultation and schedule an independent test before your next exam.