BSA/AML Examination Manual

BSA/AML Examination Manual Section List and Download Options

To view specific sections of the manual, select within the left column. The "Online" link under "View" allows you to see the selected section online. By selecting "PDF" under "Download" you can print or save the individual selection section. To download a combined document with multiple sections, check the boxes under "Multiple", for each section you wish to download.

For sections with examination procedures, the "Online" link under "Examination Procedures" allows you to view the examination procedures online. Refer to the Examination Procedures page to download Word document versions of the examination procedures to print or save.

Introduction

Sections View Download Multiple Examination Procedures
Introduction (2014) Online PDF (.pdf) Not Applicable

Scoping and Planning

Sections View Download Multiple Examination Procedures
Scoping and Planning Introduction (2020) Online PDF (.pdf) Not Applicable
Risk - Focused BSA/AML Supervision (2020) Online PDF (.pdf) Online
Developing the BSA/AML Examination Plan (2020) Online PDF (.pdf) Online

BSA/AML Risk Assessment

Sections View Download Multiple Examination Procedures
BSA/AML Risk Assessment (2020) Online PDF (.pdf) Online

Assessing the BSA/AML Compliance Program

Sections View Download Multiple Examination Procedures
Assessing the BSA/AML Compliance Program (2020) Online PDF (.pdf) Online
BSA/AML Internal Controls (2020) Online PDF (.pdf) Online
BSA/AML Independent Testing (2020) Online PDF (.pdf) Online
BSA Compliance Officer (2020) Online PDF (.pdf) Online
BSA/AML Training (2020) Online PDF (.pdf) Online

Developing Conclusions and Finalizing the Exam

Sections View Download Multiple Examination Procedures
Developing Conclusions and Finalizing the Exam (2020) Online PDF (.pdf) Online

Assessing Compliance with BSA Regulatory Requirements

Sections View Download Multiple Examination Procedures
Customer Identification Program (2014) Online PDF (.pdf) Online
Customer Due Diligence (2018) Online PDF (.pdf) Online
Beneficial Ownership Requirements for Legal Entity Customers (2018) Online PDF (.pdf) Online
Suspicious Activity Reporting (2014) Online PDF (.pdf) Online
Currency Transaction Reporting (2014) Online PDF (.pdf) Online
Currency Transaction Reporting Exemptions (2014) Online PDF (.pdf) Online
Information Sharing (2014) Online PDF (.pdf) Online
Purchase and Sale of Monetary Instruments Recordkeeping (2014) Online PDF (.pdf) Online
Funds Transfers Recordkeeping (2014) Online PDF (.pdf) Online
Foreign Correspondent Account Recordkeeping, Reporting and Due Diligence (2014) Online PDF (.pdf) Online
Private Banking Due Diligence Program (Non-U.S. Persons) (2014) Online PDF (.pdf) Online
Special Measures (2014) Online PDF (.pdf) Online
Foreign Bank and Financial Accounts Reporting (2014) Online PDF (.pdf) Online
International Transportation of Currency or Monetary Instruments Reporting (2014) Online PDF (.pdf) Online

Office of Foreign Assets Control

Sections View Download Multiple Examination Procedures
Office of Foreign Assets Control (2014) Online PDF (.pdf) Online

Program Structures

Sections View Download Multiple Examination Procedures
BSA/AML Compliance Program Structures (2014) Online PDF (.pdf) Online
Foreign Branches and Offices of U.S. Banks (2014) Online PDF (.pdf) Online
Parallel Banking (2014) Online PDF (.pdf) Online

Risks Associated with Money Laundering and Terrorist Financing

Sections View Download Multiple Examination Procedures
Correspondent Accounts (Domestic) (2014) Online PDF (.pdf) Online
Correspondent Accounts (Foreign) (2014) Online PDF (.pdf) Online
Bulk Shipments of Currency (2014) Online PDF (.pdf) Online
U.S. Dollar Drafts (2014) Online PDF (.pdf) Online
Payable Through Accounts (2014) Online PDF (.pdf) Online
Pouch Activities (2014) Online PDF (.pdf) Online
Electronic Banking (2014) Online PDF (.pdf) Online
Funds Transfers (2014) Online PDF (.pdf) Online
Automated Clearing House Transactions (2014) Online PDF (.pdf) Online
Prepaid Access (2014) Online PDF (.pdf) Online
Third-Party Payment Processors (2014) Online PDF (.pdf) Online
Purchase and Sale of Monetary Instruments (2014) Online PDF (.pdf) Online
Brokered Deposits (2014) Online PDF (.pdf) Online
Privately Owned Automated Teller Machines (2014) Online PDF (.pdf) Online
Nondeposit Investment Products (2014) Online PDF (.pdf) Online
Insurance (2014) Online PDF (.pdf) Online
Concentration Accounts (2014) Online PDF (.pdf) Online
Lending Activities (2014) Online PDF (.pdf) Online
Trade Finance Activites (2014) Online PDF (.pdf) Online
Private Banking (2014) Online PDF (.pdf) Online
Trust and Asset Management Services (2014) Online PDF (.pdf) Online
Nonresident Aliens and Foreign Individuals (2014) Online PDF (.pdf) Online
Politically Exposed Persons (2014) Online PDF (.pdf) Online
Embassy, Foreign Consulate, and Foreign Mission Accounts (2014) Online PDF (.pdf) Online
Non-Bank Financial Institutions (2014) Online PDF (.pdf) Online
Professional Service Providers (2014) Online PDF (.pdf) Online
Non-Governmental Organizations and Charities (2014) Online PDF (.pdf) Online
Business Entities (Domestic and Foreign) (2014) Online PDF (.pdf) Online
Cash-Intensive Businesses (2014) Online PDF (.pdf) Online

Appendices

Sections View Download Multiple Examination Procedures
Appendix 1 – Beneficial Ownership (2018) Online PDF (.pdf) Not Applicable
Appendix A – BSA Laws and Regulations (2014) Online PDF (.pdf) Not Applicable
Appendix B – BSA/AML Directives (2014) Online PDF (.pdf) Not Applicable
Appendix C – BSA/AML References (2014) Online PDF (.pdf) Not Applicable
Appendix D – Statutory Definition of Financial Institution (2014) Online PDF (.pdf) Not Applicable
Appendix E – International Organizations (2014) Online PDF (.pdf) Not Applicable
Appendix F – Money Laundering and Terrorist Financing Red Flags (2014) Online PDF (.pdf) Not Applicable
Appendix G – Structuring (2014) Online PDF (.pdf) Not Applicable
Appendix H – Request Letter Items (Core and Expanded) (2014) Online PDF (.pdf) Not Applicable
Appendix I – Risk Assessment Link to the BSA/AML Compliance Program (2014) Online PDF (.pdf) Not Applicable
Appendix J – Quantity of Risk Matrix (2014) Online PDF (.pdf) Not Applicable
Appendix K – Customer Risk Versus Due Diligence and Suspicious Activity Monitoring (2014) Online PDF (.pdf) Not Applicable
Appendix L – SAR Quality Guidance (2014) Online PDF (.pdf) Not Applicable
Appendix M – Quantity of Risk Matrix – OFAC Procedures (2014) Online PDF (.pdf) Not Applicable
Appendix N – Private Banking – Common Structure (2014) Online PDF (.pdf) Not Applicable
Appendix O – Examiner Tools for Transaction Testing (2014) Online PDF (.pdf) Not Applicable
Appendix P – BSA Record Retention Requirements (2014) Online PDF (.pdf) Not Applicable
Appendix Q – Abbreviations (2014) Online PDF (.pdf) Not Applicable
Appendix R – Enforcement Guidance (2014) Online PDF (.pdf) Not Applicable
Appendix S – Key Suspicious Activity Monitoring Components (2014) Online PDF (.pdf) Not Applicable
Appendix T – BSA E-Filing System (2014) Online PDF (.pdf) Not Applicable