Free 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, completely free, no signup required.
Test Your BSA/AML Program Before the Examiner Does
The Bank Secrecy Act requires every regulated financial business to maintain a written anti-money laundering program with five core pillars. FinCEN examiners evaluate each pillar systematically, and deficiencies in any one can result in Matters Requiring Attention (MRAs), Matters Requiring Immediate Attention (MRIAs), or civil penalties. Willful BSA violations can bring civil penalties of up to $286,184 each, and some violations count separately for each day they continue. Negligent violations can bring up to $1,430 each, or $111,308 for a pattern of negligence. Criminal penalties may also apply. (31 U.S.C. 5321; 31 CFR 1010.821, as adjusted January 2025.)
Our free BSA/AML audit simulator replicates this examination process. It asks structured, multiple-choice questions that mirror actual examiner inquiries, scores your responses using the same weighted framework regulators use, and produces a detailed readiness report with pillar-by-pillar breakdowns, critical gap flags, and specific remediation guidance tied to CFR citations.
Unlike generic compliance quizzes, this simulator is calibrated by industry. A money services business faces different examination priorities than a mortgage lender or a title company. The question set, scoring thresholds, and critical gap detection all adapt to your specific regulator and business model.
Run the Simulator NowWhat You Get
Overall readiness score (0–100%) with color-coded status
Per-pillar breakdown with individual scores and weighting
Critical gap flags for the five most common auto-fail items
Remediation guidance with exact CFR citations for each gap
Printable / PDF-ready formatted report for your board or consultant
Optional email delivery and compliance nurture sequence entry
Five Steps to Your Readiness Report
Built from the FFIEC BSA/AML Examination Manual, FinCEN enforcement patterns, and real examiner procedures.
Select Your Industry
Choose from 9 regulated industries. The question set and scoring weights adapt to your regulator's typical examination focus.
Set Your Context
Provide company size, years in operation, states of operation, and transaction volume tier. This calibrates risk expectations.
Answer the Questions
25+ multiple-choice questions across all five BSA pillars. Each answer maps to a 0–100 score with examiner-level context.
Get Your Score
View a color-coded readiness dashboard: overall score, per-pillar breakdown, and automatic critical gap flags.
Download the Report
Print or email your PDF-ready gap report with findings, remediation steps, and CFR citations. Share with your board or consultant.
What Makes This Simulator Different
Not a generic compliance quiz. A real examination simulation built from regulatory source documents.
25+ Examiner-Style Questions
Every question maps to a specific FFIEC examination procedure. Critical questions are flagged as auto-fail if deficient, the same ones examiners cite first.
Weighted Five-Pillar Scoring
Pillar 1 (Internal Controls) and Pillar 5 (CDD) each carry 25% weight. Independent Testing carries 20%. The BSA Officer and Training pillars carry 15% each.
Automatic Critical Gap Detection
Missing a BSA officer, written policy, risk assessment, annual training, or independent review? The simulator flags these as critical regardless of overall score.
Industry-Specific Calibration
MSBs see structuring questions. Title companies see beneficial ownership under Part 1031. Casinos see CTR and chip redemption questions. Crypto sees virtual asset questions.
Printable PDF-Ready Report
One click to print a formatted gap report with your overall score, pillar breakdowns, critical findings, remediation steps, and exact CFR citations.
Email Report + Nurture Sequence
Optionally receive your gap report by email and enter Soflo's compliance nurture sequence, follow-up guidance based on your score tier.
How Your Score Is Calculated
Pillar Weighting
Pillar 1 (Internal Controls) and Pillar 5 (CDD) are weighted at 25% each. Independent Testing carries 20%. The BSA Officer and Training pillars carry 15% each.
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
80–100%, Exam Ready
Adequate controls across all five pillars. Continue monitoring, annual updates, and documentation.
60–79%, Needs Improvement
Moderate deficiencies in one or more pillars. Address gaps before your next examination to avoid findings.
0–59%, Examination Risk
Significant deficiencies that would likely result in MRAs, MRIAs, or civil money penalties. Immediate action required.
Pillar Weights
Calibrated for 9 Regulated Industries
Each industry gets a tailored question set, scoring thresholds, and critical gap detection based on real examination patterns.
Money Services Business
Structuring alerts, MSB monitoring, registration requirements
Mortgage & Lending
GTO awareness, beneficial ownership, transaction monitoring
Title / Escrow
Part 1031 compliance, BO collection, SAR decision framework
Fintech / Digital
Digital identity verification, transaction monitoring, Reg E overlap
Crypto / VASPs
Travel Rule readiness, VASP licensing, blockchain analytics
Casino / Gaming
CTR filing, chip redemption, tribal gaming specifics
Insurance
Premium finance, annuity red flags, OFAC screening
Precious Metals / Stones
Cash transaction reporting, high-value dealer thresholds
Investment Adviser
RIA requirements, Form ADV alignment, custody rule overlap
What Your Readiness Score Means
Adequate controls across all five pillars. Continue monitoring, annual updates, and documentation.
Recommended Action
Schedule your next annual review and keep training current.
Moderate deficiencies in one or more pillars. Address gaps before your next examination to avoid findings.
Recommended Action
Focus on the lowest-scoring pillar first. Use the remediation steps in your report.
Significant deficiencies that would likely result in MRAs, MRIAs, or civil money penalties. Immediate action required.
Recommended Action
Start with critical gaps. Consider Soflo's full AML program creation to build from scratch.
AML Audit Simulator Questions Answered
What is a BSA/AML audit simulator?
A BSA/AML audit simulator is an interactive tool that mimics the process a FinCEN examiner or regulator would follow when reviewing your anti-money laundering program. It asks structured questions across the five BSA pillars, scores your responses, and produces a readiness report with actionable gap findings and remediation guidance.
How accurate is the simulator compared to a real FinCEN examination?
The simulator is built directly from the FFIEC BSA/AML Examination Manual and reflects actual FinCEN examination procedures, question patterns, and scoring logic. While it cannot replicate the subjective judgment of a live examiner, it accurately identifies the most common deficiencies that lead to examination findings, MRAs, and civil money penalties.
Does the simulator cover my industry?
Yes. The simulator includes industry-specific question calibration for money services businesses, mortgage lenders, title companies, fintech firms, cryptocurrency exchanges, casinos, insurance companies, dealers in precious metals, and investment advisers. Industry-specific questions adapt scoring thresholds and flag different critical gaps based on your regulator's typical focus areas.
What does the readiness score mean?
The overall readiness score is a weighted percentage from 0–100. 80–100% means your program is generally exam-ready with adequate controls. 60–79% means moderate deficiencies exist and should be addressed before your next examination. 0–59% means significant gaps are present that would likely result in regulatory findings, MRAs, or enforcement action. Each pillar is scored independently so you know exactly where to focus remediation.
Is the simulator free? Do I need to sign up?
The simulator is completely free and requires no signup or account. You can run the full assessment anonymously. If you want to receive a PDF gap report by email or enter our compliance nurture sequence, you can optionally provide your email at the end of the assessment.
Can I print or save my assessment results?
Yes. After completing the assessment, you can print the results page directly from your browser and save it as a PDF. The print view is formatted with a professional header, pillar-by-pillar scoring, critical gap findings, remediation steps, and CFR citations, suitable for sharing with your BSA officer, board, or compliance consultant.
BSA/AML Audit Simulator: Test Your Compliance Program Before the Examiner Does
Read our full guide on how the simulator works, what each score tier means, how to use the results to win budget from senior management, and the "stop the bleeding" priority fixes for high-risk scorers.
Find Out Where Your BSA/AML Program Stands, Free
The simulator takes 5–7 minutes. No signup. No mandatory sales call. Just a real examination simulation and an actionable gap report you can share with your board, your BSA officer, or your compliance professional.
Disclaimer: This assessment is an unofficial program readiness evaluation for informational purposes only. It does not constitute legal advice, regulatory guidance, or a formal compliance opinion. Results should be reviewed by a qualified BSA/AML compliance officer or attorney. Always verify current requirements with FinCEN and the FFIEC BSA/AML Examination Manual.