Custom AML Policy &
Procedures, Built for You
Soflo creates your complete AML policy manual, BSA procedures, and customer risk rating methodology from scratch, tailored to your specific business model, not a generic template.
Why Generic AML Policy Templates Fail Examinations
FinCEN examiners are trained to identify boilerplate AML policies that don't reflect a business's actual operations. A generic AML policy template downloaded from the internet, or copied from another business, is one of the most common reasons small businesses fail BSA examinations.
A compliant AML policy and procedures document must be tailored to your specific customer types, products and services, transaction volumes, delivery channels, and geographic exposure. It must reference your actual business name, your actual compliance officer, and your actual risk profile.
Soflo's AML policy creation service builds your complete policy documentation from scratch, using your intake form responses to create a document that reflects your actual business, not a fictional one.
Template Policy
- Generic language
- Wrong business type
- Missing your products
- Fails examination
- No annual updates
Soflo Custom Policy
- Your business name
- Your customer types
- Your products & services
- 98% exam pass rate
- Annual maintenance included
What Your AML Policy Will Cover
Complete AML Policy Creation Package
The Training + Creation plan includes everything you need to build a complete, examiner-ready AML BSA compliance program from scratch.
AML Policy Manual
Complete written AML policy tailored to your business model, customer types, and regulatory classification. Not a template, built from scratch.
BSA Procedures
Step-by-step operational procedures for CIP, CDD, EDD, SAR filing, CTR reporting, and recordkeeping, written for your actual employees.
Customer Risk Rating
Custom customer risk rating methodology that segments your customer base by risk level and defines enhanced due diligence triggers.
BSA Risk Assessment
New institutional BSA risk assessment covering customer risk, product risk, geographic risk, and channel risk, the foundation of your AML program.
Annual AML Training
Industry-specific annual AML training for your team with auto-generated certificates of completion and audit-ready training reports.
Examiner-Ready Format
All documentation formatted to satisfy FinCEN examiner expectations, ready for your next examination, audit, or licensing review.
AML Policy Creation Plan
Fixed price. No hourly billing. No custom proposals. Subscribe online today.
Training + Creation
Complete AML BSA program built from scratch
From $1,736/yr
Annual subscription · scales with team size
Instant access · 3–7 business day delivery · no sales call
Already have an AML policy? Need it reviewed instead?
See the Training + Review plan, from $798/yrAML Policy Creation Questions
What should an AML policy and procedures document include?
A complete AML policy and procedures document should include: a statement of the business's commitment to BSA/AML compliance, designation of a BSA compliance officer, customer identification and due diligence procedures (CIP/CDD), enhanced due diligence (EDD) procedures for high-risk customers, suspicious activity monitoring and SAR filing procedures, Currency Transaction Report (CTR) filing procedures, recordkeeping requirements, employee training requirements, and independent testing procedures.
Can I use an AML policy template?
Generic AML policy templates are risky. FinCEN examiners can identify boilerplate policies that don't reflect your actual business model. A compliant AML policy must be tailored to your specific customer types, products and services, transaction volumes, and risk profile. Soflo creates custom AML policies built around your actual business, not a generic template.
How long does AML policy creation take?
Soflo delivers custom AML policy documentation within 3–7 business days after the intake form is submitted. The intake form collects information about your business model, customer types, products and services, and existing compliance infrastructure.
What is the difference between an AML policy and AML procedures?
An AML policy is a high-level document that states your business's commitment to BSA/AML compliance and outlines the overall framework of your program. AML procedures are the operational documents that describe exactly how employees should implement the policy, step-by-step instructions for customer identification, transaction monitoring, SAR filing, and recordkeeping.
How much does AML policy creation cost?
Soflo's AML policy creation service is included in the Training + Creation plan starting at $1,736/year. This includes annual AML training, a new institutional BSA risk assessment, a custom AML policy manual, AML procedures, and a customer risk rating methodology. Traditional consulting firms charge $3,000–$15,000+ for standalone AML policy creation.
Does my AML policy need to be updated every year?
Your AML policy should be reviewed and updated whenever there are material changes to your business, such as new products, new customer segments, new geographic markets, or significant regulatory changes. FinCEN examiners expect your AML policy to reflect your current business model. Soflo's annual subscription includes ongoing policy maintenance and FinCEN regulatory update tracking.
Related AML BSA compliance services
Get Your AML Policy Built Right
Custom AML policy and procedures, not a template. Delivered in 3–7 business days. Examiner-ready. Fixed price. No sales calls.