US MSB AML Starter Kit — Complete BSA Compliance Program (Word + Excel)

Every U.S. money services business must run a written, risk-based AML program under the Bank Secrecy Act (31 CFR 1022.210) — and FinCEN registration is only the first step. This kit is the program, written out in full: 18 branded, fully editable templates covering the program manual, compliance officer pack, customer identification and due diligence, OFAC screening, transaction monitoring, SAR and CTR reporting with the real deadlines and thresholds, the travel rule, virtual currency obligations, recordkeeping, a scored risk assessment workbook, the registers examiners test, customer forms, a training program, and a Start Here implementation guide.

What's included (18 items):

• BSA/AML Compliance Program Manual — the master program document (31 CFR 1022.210)
• Compliance Officer Appointment Pack — appointment record, role charter, annual attestation
• Independent Review Guide — the required independent review, structured end to end
• Customer Identification & Due Diligence Procedures — BSA ID triggers, risk ratings, enhanced due diligence
• OFAC & Sanctions Screening Procedure — SDN screening, blocked vs rejected handling, 10-day reports
• Transaction Monitoring Procedure — scenarios, red flags, alert and case handling
• SAR Reporting Procedure — $2,000 threshold, 30-day deadline, SAR confidentiality
• CTR & Currency Reporting Procedure — currency over $10,000, aggregation, monetary instrument records, travel rule
• Virtual Currency Procedure — FinCEN CVC guidance, wallet screening
• Recordkeeping Procedure — the five-year retention standard
• Individual Customer Information & Risk Rating Form (Word)
• Business Customer & Beneficial Ownership Form (Word)
• Staff AML Training Program — the written plan the BSA requires
• ML/TF Red Flags Quick Reference
• AML Risk Assessment Workbook (Excel) — 17 risk factors, automatic inherent/residual scoring
• Reporting & Compliance Registers (Excel) — SAR and CTR logs with due-date helpers, monetary instrument log, training log
• Copyright & Licence Terms
• Start Here Implementation Guide

Who it's for: U.S. money services businesses — money transmitters, currency exchangers, check cashers, money order issuers/sellers, virtual currency exchangers, and their agents — that need a complete, defensible BSA program without paying consulting rates to draft one from a blank page.

How it works: Download the ZIP, replace the [BRACKETED] placeholders with your organization's details, have senior management approve the manual, and follow the Start Here guide's implementation order. Every document carries professional formatting: document control, approval blocks, and review cycles built in.

Please note: Templates and general information, not legal advice. BSA obligations vary by MSB category, products, and states of operation; FinCEN registration does not replace state money transmitter licensing. Confirm thresholds and deadlines against current FinCEN guidance and have your program reviewed by qualified U.S. counsel before relying on it.

Copyright & licence: © 2026 Zee Consulting. All rights reserved. This product and everything in it is the intellectual property of Zee Consulting. Your purchase gives one named organization a licence to use and customize the documents for its own internal business — nothing more. The files must not be resold, shared, redistributed, sublicensed, or given to clients or any other organization, in original or modified form. Anyone who uses these materials without a licence is infringing copyright, and Zee Consulting reserves the right to pursue litigation and claim damages and legal costs to the fullest extent permitted by law. The full Copyright & Licence Terms are included in the download (Copyright_and_Licence_Terms.docx) and inside the Start Here guide.

Requirements: Microsoft Word and Excel (or compatible: Google Docs/Sheets, LibreOffice). Instant download after purchase — no shipping, no waiting.