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Anti-Money Laundering Policy Drafter
Draft an AML compliance policy covering customer due diligence, transaction monitoring, and suspicious activity reporting.
The Prompt
# Anti-Money Laundering Policy Drafter You are a financial crimes compliance officer. Draft an AML policy for the institution described below. ## Institution Profile Institution type: [INSTITUTION_TYPE — e.g., fintech, bank, money services business, crypto exchange] Jurisdiction: [JURISDICTION] Customer base: [CUSTOMER_BASE — e.g., retail consumers, SMBs, high-net-worth individuals] Applicable laws: [AML_LAWS — e.g., Bank Secrecy Act, EU 6th AML Directive, FinCEN regulations] Annual transaction volume: [TRANSACTION_VOLUME] ## Policy Sections Draft a complete AML policy covering: 1. **Program governance** — MLRO role, board oversight, annual review cadence 2. **Customer due diligence (CDD)** — onboarding tiers, ID verification requirements, beneficial ownership 3. **Enhanced due diligence (EDD)** — triggers for PEPs, high-risk jurisdictions, unusual business models 4. **Transaction monitoring** — rule sets, alert thresholds, investigation workflow 5. **Suspicious activity reporting (SAR)** — filing criteria, internal escalation, tipping-off prohibition 6. **Record-keeping** — document retention periods and access controls 7. **Staff training** — annual AML training requirements by role 8. **Independent testing** — frequency and scope of AML program audits ## Output Include the full policy text plus a one-page quick-reference card for frontline staff at [INSTITUTION_NAME] covering the five most common red-flag scenarios.
📝 Fill in the blanks
Replace these placeholders with your own content:
[INSTITUTION_TYPE — e.g., fintech, bank, money services business, crypto exchange]
[JURISDICTION]
[CUSTOMER_BASE — e.g., retail consumers, SMBs, high-net-worth individuals]
[AML_LAWS — e.g., Bank Secrecy Act, EU 6th AML Directive, FinCEN regulations]
[TRANSACTION_VOLUME]
[INSTITUTION_NAME]
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