AML & Financial Crime Risk Assessments
AML Risk Assessment Built for Exams and Bank Partners
We map your real money laundering, fraud and sanctions risk, then show you the gaps and the fixes in plain business language.
- Risk-based scoring tied to your products, customers and channels
- Findings written for examiners, sponsor banks and your board
- Led by a CAMS-certified founder with 12+ years in financial crime
CAMS-certified, founder-led, serving fintechs and financial institutions nationwide.
Prefer to talk? Call 281-825-1603
Request an AML Risk Assessment Quote
Tell us about your business and risk profile. We reply with scope and next steps.
Why firms bring us in for risk assessments
Risk you can actually act on
You get a clear picture of inherent risk, controls and residual risk, plus what to fix first.
Built for scrutiny
Documentation is structured so examiners, auditors and sponsor banks can follow your logic.
Senior attention, no overhead
You work directly with a CAMS-certified founder, not a rotating junior team.
Scales with growth
Practical, data-driven methods designed to grow with your products and volumes.
Connects to the whole program
Findings feed straight into policies, KYC/KYB, monitoring tuning and SAR processes.
Vendor neutral
We do not sell software, so tooling recommendations reflect your risk, not a license deal.
What an AML and financial crime risk assessment covers
A financial crime risk assessment is the foundation of your AML program. It shows why your controls look the way they do. We review your products, customers, geographies and delivery channels, rate inherent risk, test how well current controls reduce it, and document the residual risk that is left.
From there we map findings to the rest of your program. That can include policy and procedure updates, KYC/KYB redesign, sanctions and OFAC screening calibration, transaction monitoring tuning and exam readiness support.
- Inherent risk review across products, customers, geographies and channels
- Control effectiveness review and residual risk rating
- Money laundering, fraud, sanctions and OFAC risk typologies
- Fraud risk scoring using the GAO Fraud Risk Management framework
- Gap findings with a prioritized remediation roadmap
- Support for state money transmitter and industry-specific requirements
- Assessment documentation prepared for examiners and sponsor banks
- Follow-on help with policies, monitoring tuning, SAR and audit readiness
Trusted by compliance leaders
“Pillars helped us navigate a complex regulatory review with confidence. Their hands-on approach and deep understanding of fintech compliance made all the difference. Our program is now scalable and audit-ready.”
“From transaction monitoring optimization to KYC redesign, Pillars delivered measurable improvements. Alert quality is up, operational friction is down, and we're better prepared for regulatory exams.”
What happens after you submit
Discovery call
We talk through your products, volumes, risk concerns and any exam or bank deadlines.
Scoped proposal
You get a written scope for the risk assessment, including what we review and what you receive.
Assessment and roadmap
We run the assessment, walk you through the findings, and hand over a prioritized action plan.
Frequently asked questions
How is pricing set for an AML risk assessment?
Pricing depends on scope: your product set, customer types, transaction volumes and how much documentation already exists. Tell us about your business and we will send a scoped quote.
Who do you work with?
Fintechs, payments companies and processors, banks, credit unions, money services businesses and NIL platforms. We work with clients nationwide across the United States.
Can you help fix the gaps you find?
Yes. We offer full lifecycle support, including policy and program design, KYC/KYB redesign, sanctions screening calibration, transaction monitoring optimization and audit readiness.
Will the assessment satisfy our sponsor bank?
We document findings so bank partners and examiners can follow the methodology, and we also offer sponsor bank representation to handle partner questions directly.
Do you provide legal advice?
No. We are a financial crime compliance consultancy, not a law firm. We give practical compliance and program guidance, not legal representation.
Do you recommend specific compliance software?
We evaluate AML, monitoring, KYC and audit vendors independently and match them to your risk profile, volume and budget. We do not license or resell software.
Get a clear view of your financial crime risk
Send a few details about your business and we will come back with scope, approach and next steps for your AML risk assessment.
- Risk-based scoring tied to your products, customers and channels
- Findings written for examiners, sponsor banks and your board
- Led by a CAMS-certified founder with 12+ years in financial crime
Prefer to talk? Call 281-825-1603