BSA/AML Audit Simulator
Simulate a FinCEN examiner conducting a BSA program review across the five pillars. Answer 25+ examiner-style questions, receive a color-coded readiness score, identify critical gaps, and download a PDF-ready gap report.
Five Steps to Your Readiness Report
Built from the FFIEC BSA/AML Examination Manual, FinCEN enforcement patterns, and real examiner procedures.
1. Select Industry
Choose from MSB, mortgage, title, fintech, crypto, casino, insurance, DPMS, or investment adviser.
2. Set Context
Provide company size, years in operation, states of operation, and transaction volume tier.
3. Answer Questions
25+ multiple-choice questions across the five BSA pillars, tailored to your industry.
4. Get Scored
Each pillar scored 0–100%. Critical gaps flagged automatically. Overall weighted score calculated.
5. Download Report
Print or save your PDF-ready gap report with findings, remediation steps, and CFR citations.
Select Your Industry
The simulator will tailor questions to your specific regulatory environment and FinCEN examination procedures.
How Your Score Is Calculated
Pillar Weighting
Pillar 1 (Internal Controls) and Pillar 5 (CDD) are weighted at 25% each. The remaining three pillars share the remaining 50%.
Per-Question Scoring
Each answer maps to a score 0–100. Pillar scores are the mean of all answered questions in that pillar.
Critical Gap Detection
Missing BSA officer, no written policy, no annual training, no independent testing, and no risk assessment are flagged as critical regardless of overall score.
Score Thresholds
0–59% — Examination Risk
Significant deficiencies. Immediate remediation required.
60–79% — Needs Improvement
Moderate deficiencies. Address before next examination.
80–100% — Exam Ready
Adequate controls. Continue monitoring and annual updates.
Pillar Weights
Disclaimer: This simulator is provided for educational and informational purposes only and does not constitute legal, regulatory, or compliance advice. Results reflect a self-reported readiness estimate based on your inputs and do not represent the findings of a formal BSA/AML examination, audit, or regulatory review. Scores should not be interpreted as a guarantee of regulatory compliance or used as a substitute for an independent BSA audit conducted by a qualified compliance professional. Soflo Consulting makes no representations or warranties regarding the accuracy, completeness, or fitness for a particular purpose of this tool. Use of this simulator does not establish an attorney-client or consulting relationship. Consult a licensed compliance professional for guidance specific to your institution's obligations.
Get Your BSA/AML Program Exam-Ready
Soflo builds complete BSA/AML compliance programs: risk assessments, policy manuals, annual training, independent reviews, and audit-ready documentation. Subscribe online and get your portal in minutes.