Simple Process

How It Works

Three steps from purchase to a complete, customized BSA/AML compliance program — without building anything from scratch.

The Process

From purchase to compliance program

No account needed. No waiting. No back-and-forth with a consultant.

1

Choose Your Package

Select the package that matches your FinCEN MSB registration type. Not sure? The package names and descriptions match the exact registration categories FinCEN uses.

2

Purchase via Stripe

Secure checkout via Stripe. Pay once with any major credit card. No subscription, no account creation. Your receipt is emailed automatically.

3

Download & Customize

You're redirected immediately to a secure download page. Unzip, open each document in Word, and fill in the gold-highlighted fields with your business information.

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What You're Getting

What's inside a compliance package

Each package is a complete AML program — not a checklist or a summary. Every document is a working compliance manual with regulatory citations, procedures, forms, and training materials.

The Four Pillars — 31 CFR 1022.210

Every AML program for an MSB must satisfy four requirements under federal law. Every package covers all four.

  • 1 Written policies, procedures, and internal controls — documented procedures for every compliance function.
  • 2 Designated compliance officer — identified individual responsible for the program with defined authority.
  • 3 Employee training program — documented training covering BSA requirements, red flags, and reporting obligations.
  • 4 Independent review — periodic audit by someone who is not the compliance officer and does not report to them.
Step A
Open and review the documents
Each document opens in Word. Read through it — it reads like a real compliance manual, because it is one. Notice the gold-highlighted fields that need your specific information.
Step B
Fill in your business details
Replace every [COMPANY NAME], [COMPLIANCE OFFICER NAME], [STATE], and [DATE] field with your information. These are the only mandatory edits to have a complete program.
Step C
Customize for your operations
Add your actual transaction limits, your specific products and services, your state-specific requirements. The more specific your program, the stronger it is.
Step D
Save, sign, and implement
Have your designated compliance officer sign and date the Written AML Compliance Program. Train your employees using the Training Program document. Schedule your independent review. Your program is live.
Document Preview

Professional documents, not generic templates

Every document has a table of contents, section headers, regulatory citation callouts, page numbers, and professional formatting — ready to present to an examiner or regulator.

AML compliance document preview showing professional formatting, regulatory citations, and gold-highlighted fill-in fields
Why Not Free?

Why generic templates don't work for MSBs

Free templates from FFIEC, FINRA, and compliance blogs are written for banks and broker-dealers. The regulatory differences are not minor.

SAR
Rules

Different SAR thresholds and filers

MSB SAR threshold is $2,000 (lower than banks' $5,000). Check cashers and currency exchangers are not required to file SARs at all (31 CFR 1022.320). Bank templates get this wrong.

CTR
Rules

MSBs cannot exempt customers from CTRs

Banks can exempt certain customers from CTR filing. MSBs cannot. Any template that includes customer exemption procedures is wrong for an MSB — and could create examination problems.

Travel
Rule

Travel Rule applies to transmitters, not all MSBs

The $3,000 transmittal recordkeeping rule (31 CFR 1010.410(f)) applies to money transmitters — not to check cashers or money order sellers. Our packages include or exclude it correctly.

Exam
Structure

IRS examines MSBs, not bank regulators

MSBs are examined by the IRS under Title 31, using IRM 4.26.9 procedures. Our documents are structured around what IRS examiners are required to review — not bank examination criteria.

Ready to get started?

Choose the package that matches your MSB type and download your compliance program today.

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Questions? support@kycreporting.com