BSA/AML Examination Manual

Within U.S.-bank examination scope, the FFIEC Manual provides official examiner guidance on BSA/AML risk assessment, CDD and EDD, risk-based controls, manual and automated monitoring, alert research and escalation, SAR decision-making and filing, and OFAC screening/blocking/rejection. The Manual distinguishes regulatory requirements from guidance and expressly does not itself create legal requirements; it must not be generalized to insurance carriers or other non-bank entities without separate authority.

Within U.S.-bank examination scope, FFIEC Appendix F and product/channel risk sections publish non-exhaustive money-laundering and terrorist-financing red flags, including transaction, customer-information, funds-transfer, trade-finance, and reporting-evasion examples. The Manual says a red flag alone is not evidence of criminal activity; these examples must not be generalized into insurer-specific duties or findings.