Bank Secrecy Act
Anti-Money Laundering
Examination Manual

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The sections of the FFIEC BSA/AML Examination Manual that have been added or significantly modified from the previous edition are reflected by date.

INTRODUCTION

CORE EXAMINATION OVERVIEW AND PROCEDURES FOR ASSESSING THE BSA/AML COMPLIANCE PROGRAM

Scoping and Planning—Overview

Examination Procedures

BSA/AML Risk Assessment—Overview (2010)

Examination Procedures

BSA/AML Compliance Program—Overview

Examination Procedures

Developing Conclusions and Finalizing the Examination—Overview

Examination Procedures

CORE EXAMINATION OVERVIEW AND PROCEDURES FOR REGULATORY REQUIREMENTS AND RELATED TOPICS

Customer Identification Program—Overview

Examination Procedures

Customer Due Diligence—Overview(2010)

Examination Procedures

Suspicious Activity Reporting—Overview (2010)

Examination Procedures

Currency Transaction Reporting—Overview

Examination Procedures

Currency Transaction Reporting Exemptions—Overview

Examination Procedures

Information Sharing—Overview

Examination Procedures

Purchase and Sale of Monetary Instruments Recordkeeping—Overview

Examination Procedures

Funds Transfers Recordkeeping—Overview

Examination Procedures

Foreign Correspondent Account Recordkeeping and Due Diligence—Overview (2010)

Examination Procedures

Private Banking Due Diligence Program (Non-U.S. Persons)—Overview

Examination Procedures

Special Measures—Overview

Examination Procedures

Foreign Bank and Financial Accounts Reporting—Overview

Examination Procedures

International Transportation of Currency or Monetary Instruments Reporting —Overview

Examination Procedures

Office of Foreign Assets Control—Overview (2010)

Examination Procedures

EXPANDED EXAMINATION OVERVIEW AND PROCEDURES FOR CONSOLIDATED AND OTHER TYPES OF BSA/AML COMPLIANCE PROGRAM STRUCTURES

BSA/AML Compliance Program Structures—Overview (2010)

Examination Procedures

Foreign Branches and Offices of U.S. Banks—Overview

Examination Procedures

Parallel Banking—Overview

Examination Procedures

EXPANDED EXAMINATION OVERVIEW AND PROCEDURES FOR PRODUCTS AND SERVICES

Correspondent Accounts (Domestic)—Overview

Examination Procedures

Correspondent Accounts (Foreign)—Overview (2010)

Examination Procedures

Bulk Shipments of Currency —Overview (2010)

Examination Procedures

U.S. Dollar Drafts—Overview

Examination Procedures

Payable Through Accounts—Overview

Examination Procedures

Pouch Activities—Overview

Examination Procedures

Electronic Banking—Overview (2010)

Examination Procedures

Funds Transfers—Overview (2010)

Examination Procedures

Automated Clearing House Transactions—Overview (2010)

Examination Procedures

Electronic Cash—Overview

Examination Procedures

Third-Party Payment Processors—Overview

Examination Procedures

Purchase and Sale of Monetary Instruments—Overview

Examination Procedures

Brokered Deposits—Overview

Examination Procedures

Privately Owned Automated Teller Machines—Overview (2010)

Examination Procedures

Nondeposit Investment Products—Overview

Examination Procedures

Insurance—Overview

Examination Procedures

Concentration Accounts—Overview

Examination Procedures

Lending Activities —Overview

Examination Procedures

Trade Finance Activites—Overview (2010)

Examination Procedures

Private Banking—Overview

Examination Procedures

Trust and Asset Management Services—Overview

Examination Procedures

EXPANDED EXAMINATION OVERVIEW AND PROCEDURES FOR PERSONS AND ENTITIES

Nonresident Aliens and Foreign Individuals—Overview

Examination Procedures

Politically Exposed Persons—Overview (2010)

Examination Procedures

Embassy and Foreign Consulate Accounts—Overview

Examination Procedures

Non-Bank Financial Institutions—Overview (2010)

Examination Procedures

Professional Service Providers—Overview

Examination Procedures

Non-Governmental Organizations and Charities—Overview

Examination Procedures

Business Entities (Domestic and Foreign)—Overview (2010)

Examination Procedures

Cash-Intensive Businesses—Overview

Examination Procedures

APPENDICES

Appendix A – BSA Laws and Regulations

Appendix B – BSA/AML Directives

Appendix C – BSA/AML References

Appendix D – Statutory Definition of Financial Institution

Appendix E – International Organizations

Appendix F – Money Laundering and Terrorist Financing "Red Flags" (2010)

Appendix G – Structuring

Appendix H – Request Letter Items (Core and Expanded)

Appendix I – Risk Assessment Link to the BSA/AML Compliance Program

Appendix J – Quantity of Risk Matrix

Appendix K – Customer Risk Versus Due Diligence and Suspicious Activity Monitoring

Appendix L – SAR Quality Guidance

Appendix M – Quantity of Risk Matrix – OFAC Procedures

Appendix N – Private Banking – Common Structure

Appendix O – Examiner Tools for Transaction Testing

Appendix P – BSA Record Retention Requirements

Appendix Q – Acronyms

Appendix R – Enforcement Guidance (2010)

Appendix S – Key Suspicious Activity Monitoring Components