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 (2006)

Examination Procedures (2006)

BSA/AML Risk Assessment—Overview (2006)

Examination Procedures (2006)

BSA/AML Compliance Program—Overview (2006)

Examination Procedures (2006)

Developing Conclusions and Finalizing the Examination—Overview (2006)

Examination Procedures (2006)

CORE EXAMINATION OVERVIEW AND PROCEDURES FOR REGULATORY REQUIREMENTS AND RELATED TOPICS

Customer Identification Program—Overview

Examination Procedures

Customer Due Diligence—Overview

Examination Procedures

Suspicious Activity Reporting—Overview (2006)

Examination Procedures

Currency Transaction Reporting—Overview

Examination Procedures

Currency Transaction Reporting Exemptions—Overview

Examination Procedures

Information Sharing—Overview (2006)

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 (2006)

Examination Procedures (2006)

Private Banking Due Diligence Program (Non-U.S. Persons)—Overview (2006)

Examination Procedures (2006)

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 (2006)

Examination Procedures (2006)

EXPANDED EXAMINATION OVERVIEW AND PROCEDURES FOR AN ENTERPRISE-WIDE COMPLIANCE PROGRAM AND OTHER STRUCTURES

Enterprise-Wide BSA/AML Compliance Program—Overview (2006)

Examination Procedures (2006)

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

Examination Procedures

U.S. Dollar Drafts—Overview

Examination Procedures

Payable Through Accounts—Overview

Examination Procedures

Pouch Activities—Overview

Examination Procedures

Electronic Banking—Overview

Examination Procedures

Funds Transfers—Overview

Examination Procedures

Automated Clearing House Transactions—Overview (2006)

Examination Procedures (2006)

Electronic Cash—Overview (2006)

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

Examination Procedures

Nondeposit Investment Products—Overview

Examination Procedures

Insurance—Overview (2006)

Examination Procedures

Concentration Accounts—Overview

Examination Procedures

Lending Activities —Overview

Examination Procedures

Trade Finance Activites—Overview (2006)

Examination Procedures (2006)

Private Banking—Overview (2006)

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 (2006)

Examination Procedures

Embassy and Foreign Consulate Accounts—Overview

Examination Procedures

Non-Bank Financial Institutions—Overview (2006)

Examination Procedures

Professional Service Providers—Overview

Examination Procedures

Non-Governmental Organizations and Charities—Overview

Examination Procedures

Business Entities (Domestic and Foreign)—Overview (2006)

Examination Procedures (2006)

Cash-Intensive Businesses—Overview

Examination Procedures

APPENDICES

Appendix A – BSA Laws and Regulations (2006)

Appendix B – BSA/AML Directives

Appendix C – BSA/AML References (2006)

Appendix D – Statutory Definition of Financial Institution

Appendix E – International Organizations

Appendix F – Money Laundering and Terrorist Financing "Red Flags" (2006)

Appendix G – Structuring

Appendix H – Request Letter Items (2006)

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 (2006)

Appendix Q – Acronyms (2006)