Bank Compliance Center

In today’s banking environment as soon as one big new regulation is implemented another pops up. ICBA’s compliance training opportunities and exceptional resources, online and offline, will help your community bank stay informed and one step ahead of the regulators.

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Compliance Question of the Week

Question: For electronic banking what types of BSA/AML red flags should be considered for the risk assessment?


The following is not a definitive list, each bank should develop its risk assessment based on its own set of circumstances and the complexity of its electronic banking system.

That said, per the BSA examination manual: Accounts that are opened without face-to-face contact may be a higher risk for money laundering and terrorist financing for the following reasons:

  • More difficult to positively verify the individual’s identity.
  • Customer may be out of the bank’s targeted geographic area or country.
  • Customer may perceive the transactions as less transparent.
  • Transactions are instantaneous.
  • May be used by a “front” company or unknown third party.

Based on the assessment, the bank should develop a comprehensive program that establishes BSA/AML monitoring, identification, and reporting for unusual and suspicious activities occurring through e-banking systems.

Reference: FFIEC BSA/AML Examination Manual 2/27/2015.V2




Compliance Vault

The ICBA Compliance Vault is now available as a member benefit to all ICBA members.

The Compliance Vault is a reliable search tool that helps you find answers to your regulatory compliance questions, with access to over 2,500 Q&As, select online courses, and documents.

Learn more & open the vault

Compliance Resources


Bank Compliance Check Up

Compliance Education Graphic

Regular monitoring is essential to a successful compliance program. With the Bank Compliance Check Up Program, compliance monitoring has never been so stress-free. The program places the regulatory requirements into checklists, using a Yes, No, N/A format to allow for easy assessment of how the bank is meeting compliance requirements.

Select the desired checklist, answer the questions, add comments as applicable, and save or print the report. Use the report to demonstrate to your board of directors, management, and examiners, the effectiveness of your compliance management system.

Training agendas and quizzes are provided in over 40 compliance areas that correspond with the checklists. When a checklist is complete, review the areas of noncompliance or where there is a weakness and use the training agendas and quizzes to assist in training staff to become more compliance.

Use Bank Compliance Check Up to:

  • Determine how well your compliance program is meeting requirements.

  • Determine the effectiveness of training.

  • Evaluate the strengths of your compliance program.

  • Save time in creating reports for your board and management.

  • Train staff in areas on noncompliance.

The Bank Compliance Check Up Program uses Microsoft Excel. There are over 100 checklists available and new checklists are added as regulations and guidance change.

Your subscription includes access to the program and any updates for one year from the date of purchase.

Subscribe to Check Your Ad, Compliance Deskbook and Bulletin Service, and Bank Compliance Check Up and save $300. Purchase two of these products and save $100. New subscriptions only. Offer valid for first year of subscription only.

Must call ICBA Education to place your order and receive the discount. 800-422-7285

Initial Price
ICBA Member: $499
Nonmember: $799

Annual Digital Renewal
ICBA Member: $349
Nonmember: $649