Protecting Your Business From Financial Crime
Expert BSA/AML Compliance Solutions for Financial Institutions, MSBs, Fintechs, and More
- 1. BSA Risk Assessment
- 2. Policy & Procedures Design or Review
- 3. BSA/AML Audit
- 4. Gap Analysis
- 5. Enforcement Action Remediation
- 6. Above-the-Line / Below-the-Line Testing
- 7. Suspicious Activity Program Optimization
- 8. Risk-Based Calibration and Documentation
- 9. Software Optimization
- 10. New York Department of Financial Services (DFS) Regulation Part 504 Compliance.
Why Choose Us
- CAMS-Certified Professionals
- 100% Confidential and Independent
- Affordable Flat-Rate Pricing
- Nationwide & Remote Services Available
- About Us
More Than 20 Years of BSA / AML / OFAC Program Management & Regulatory Remediation Expertise
FinGuru 360 is headed by Shawn Ali (CAMS & CPA), a seasoned banker and finance professional with over 20 years of manifold experience including public accounting, audit, risk management, and as a BSA / OFAC Officer. FinGuru 360 is a dedicated team of financial crimes prevention professionals that specializes in US Bank Secrecy Act, Anti Money Laundering, Sanctions, and other regulatory compliance. We focus on small and medium-sized financial institutions including money services businesses (MSB). Despite spending a long time with some big corporations, Shawn is extremely passionate about and takes pride in working with and supporting small and medium-sized financial institutions in the highly specialized and regulated area of BSA / AML / OFAC compliance.
Five Pillars Of a Bank Secrecy Act Compliance Program
Anti-money laundering compliance is not just important for conventional financial institutions like banks. Entities ranging from cryptocurrency exchanges to casinos must have appropriate protocols in place.
Compliance Officer
A covered entity must appoint a compliance officer responsible for oversight of an AML system.
Independent Testing
The AML program must be audited and reviewed annually by independent individuals.
Policies & Controls
These must reflect the size, complexity, and risk profile of the institution.
Training
Annual AML training of employees and the board must be tailored to the trainee's duties.
Customer Due Diligence
The entity must employ risk-based protocols assessing risks associated with customers and transaction requests.
- Services
BSA / AML / OFAC Program Design, Implementation, and Review
We can design your BSA / AML / OFAC program from scratch or review your existing program for enhancements. At the heart of every effective BSA / AML / OFAC program lies the following 5 regulatory pillars:
BSA Risk Assessment
We conduct a thorough assessment to identify your BSA/AML risks and evaluate the effectiveness of your existing controls. The result is a detailed report outlining your institution’s overall risk profile.
Policy & Procedures Design or Review
Our team will design your BSA program or analyze your existing policies and procedures to uncover any gaps or areas for enhancement, ensuring alignment with current regulatory expectations.
BSA/AML Audit
Receive a risk-based review of your internal controls to uncover deficiencies before your next regulatory exam, giving your institution the opportunity to make timely corrections.
Gap Analysis
We compare your current BSA/AML processes and systems with a proposed future state to identify inefficiencies, weaknesses, or compliance gaps.
Enforcement Action Remediation
If your most recent exam raised concerns, we can guide you through the remediation process—helping you address findings and regain compliance efficiently.
Above-the-Line / Below-the-Line Testing
Optimize your alert settings by testing thresholds to balance detection efficiency and false positives. This results in more accurate reporting and improved risk-based decisions.
Suspicious Activity Program Optimization
Improve the efficiency of your transaction monitoring system by tailoring it to your institution’s risk, customer demographics, and service offerings—with support from our financial crime specialists.
Risk-Based Calibration and Documentation
We fine-tune your system based on your specific risk profile and deliver detailed documentation explaining the calibration settings and rationale.
Software Optimization
Ensure your BSA/AML system is aligned with your risk profile. Our experts review your technology—whether it’s ours or another vendor’s—to enhance detection of suspicious activity and overall effectiveness.
OFAC
Our Sanctions Compliance Consulting service helps businesses navigate the complex landscape of U.S. and international sanctions regulations. We provide tailored risk assessments, policy development, and ongoing support to ensure your organization complies with OFAC and other global sanctions authorities. Whether you’re a financial institution, fintech, or international business, we help you implement robust screening procedures, conduct due diligence, and respond effectively to enforcement risks. Protect your business from costly penalties and reputational damage with expert guidance from our compliance professionals.
- Contact Us
Let’s Discuss Your AML Needs
Office
28 Marchesi Drive Lawrence Township New Jersey, USA 08648
- FAQ's
Frequently Asked Questions
Yes. FinCEN requires all MSBs to implement a written AML program, regardless of size.
At least annually, or more frequently if your business operates in high-risk sectors.
Fines can exceed $10,000 per day, and enforcement actions can include license revocation and criminal referrals.
Yes. We offer virtual consulting, audits, and training nationwide.
Absolutely. We offer pre-exam readiness assessments and can support you during regulator reviews.
Trusted BSA/AML Compliance Solutions for MSBs, Fintechs, and Financial Institutions – Based in New York.
Quick Links
Copyrights©2025
Develop & Marketing Team by