Independent Review of the AML/CFT and Sanctions Compliance Program
Built to Meet Standards — and Stand Up to Scrutiny
Why Institutions Choose Us
Independent AML/CFT and Sanctions reviews are required by regulation—but how you meet that requirement matters. Our clients typically come to us because:
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Their compliance officer or general counsel worked with us before and trusts our work to support honest, objective board-level reporting
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Their outside legal counsel referred us as a trusted, credible provider
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A banking partner or regulator suggested fresh eyes—even after rotating staff within their current provider
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They want to validate program effectiveness before an exam or new partner onboarding
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They’re required to complete a review—and are evaluating service providers who deliver a fit-for-purpose review of appropriate scope and testing at a fair price
They understand that a low-cost, poorly scoped, and ineffectively tested review might be the most expensive choice—because it fails to surface the risks that matter most.
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What Sets Our Reviews Apart
At MSB Compliance Inc., we don’t just tick off boxes. We evaluate whether your AML/CFT and Sanctions Compliance Program:
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Reflects your actual risk profile and regulatory expectations
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Aligns with FinCEN’s published National AML Priorities and incorporates criminal typologies
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Demonstrates effective implementation, not just policy intent
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Is supported by evidence of governance, not just assertions
We consider your program within the context of your group structure, business model, products/services, customers, geographic footprint and distribution channels. Without a clear understanding of context, no review is truly risk-based.
We’re Not For Everyone
— and That’s by Design
Some institutions are looking for the lowest-cost provider, weak scoping, minimal testing, and a rubber stamp.
That’s not us.
We partner with compliance-conscious institutions that expect thoroughness, transparency, and value findings that inform real next steps—for compliance officers, committees, and boards.
Our Review Approach
We conduct independent reviews aligned with:
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FinCEN and IRS BSA/AML Examination Manual
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FFIEC BSA/AML Examination Manual
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FATF Risk-Based Approach for MSBs
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Industry good practices recognized by regulators and peers
Our methodology includes:
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Risk-based scoping tailored to your inherent and residual risks
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Risk-based sampling and testing to validate real-world effectiveness
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Detailed reporting that meets regulatory expectations and supports board fiduciary governance
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Interim feedback and post-review dialogue to support internal accountability and readiness
When the Review Uncovers Issues— We’re Ready
If your review identifies significant findings, we’re available to help you respond—quickly and effectively.
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While the independent review must stand on its own, we can be engaged in a separate subsequent advisory role to:
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Prioritize, sequence and assist remediation efforts
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Digitize and enhance your AML/CFT and Sanctions risk assessment
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Support internal reporting to boards, compliance committees, or banking partners
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Rebuild governance and controls that meet both regulatory and operational expectations
We value relationships. Our goal is to help you move forward with insight, integrity, and credibility.
What Makes Us Different?
We evaluate more than risks, controls, and documentation.
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We examine governance, culture, and context—and help you act on what matters most.
Trust Starts with Independent Insight
Whether you’re meeting a regulatory requirement or preparing for strategic growth, the right review builds more than compliance.
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It builds confidence, credibility, and momentum.
Request a Proposal
Complete the form and we'll call you back to obtain further information then provide you with a proposal to perform your independent review.