Peak AML
Services

AML compliance advisory for regulated financial businesses

Program design, independent testing, risk assessments, monitoring advisory, remediation, training, and ongoing compliance support — delivered by experienced practitioners, not generic consultants.

Advisory & program design

Build or refresh AML programs, risk frameworks, and customer-risk approaches aligned to your products and regulatory expectations.

AML program development

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Build or refresh written AML programs aligned to your products, locations, and regulatory expectations.

Outcome: A documented, operational program your team can maintain and defend.

The challenge

Programs become outdated as products, locations, or regulatory expectations change — leaving gaps in policies, procedures, and role clarity.

What Peak AML does

We work with your compliance and operations teams to assess current documentation, identify gaps, and develop or refresh program materials tailored to how your business actually operates.

Typical deliverables

  • Written AML/BSA program and supporting policies
  • Role and responsibility mapping for compliance oversight
  • Procedure outlines aligned to products and channels
  • Implementation guidance for your team

Who it's for

MSBs, payment companies, and other regulated financial businesses launching new operations or refreshing existing programs.

Enterprise-wide risk assessments

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Structured assessments of products, customers, geographies, and channels with documented mitigation plans.

Outcome: A documented risk profile and mitigation plan suitable for board and management review.

The challenge

Risk assessments are often stale, overly generic, or disconnected from day-to-day operations and product changes.

What Peak AML does

We facilitate structured risk assessments covering products, customers, geographies, and delivery channels — with practical scoring and documented mitigation plans.

Typical deliverables

  • Enterprise or line-of-business risk assessment
  • Documented inherent and residual risk ratings
  • Mitigation plans with assigned ownership
  • Refresh cadence recommendations

Who it's for

Compliance teams preparing for examinations, board reporting, or product expansion.

Customer risk model development

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Practical risk scoring frameworks with clear documentation for onboarding and periodic review.

Outcome: A documented customer-risk approach that supports consistent onboarding and review decisions.

The challenge

Customer risk decisions vary by location or staff member when scoring criteria and review triggers are unclear.

What Peak AML does

We help design practical customer and business risk tiers, scoring factors, review cadences, and escalation paths — with documentation your front-line and compliance teams can follow.

Typical deliverables

  • Customer risk tier definitions and scoring criteria
  • Onboarding and periodic review procedures
  • Documentation templates for risk decisions and overrides
  • Guidance for beneficial-owner and business customer context

Who it's for

Businesses with diverse customer types, multi-location operations, or evolving onboarding workflows.

Testing & validation

Independent reviews and process evaluations that help compliance teams understand program effectiveness before examinations.

Independent AML reviews

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Objective review of program design, monitoring effectiveness, and documentation readiness.

Outcome: A clear assessment of program strengths, gaps, and prioritized remediation items.

The challenge

Internal teams need an objective view of program effectiveness before examinations, audits, or board reviews.

What Peak AML does

We conduct structured independent reviews of your AML program — covering design, monitoring, documentation, and operational readiness — with findings organized for management action.

Typical deliverables

  • Scope document and review work plan
  • Findings with severity and remediation guidance
  • Management summary suitable for board or audit committee review
  • Follow-up validation support if engaged

Who it's for

Organizations required to conduct independent AML testing or seeking objective program validation.

CTR and SAR process reviews

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Evaluate drafting, review, approval, and recordkeeping workflows — without replacing your filing obligations.

Outcome: Documented process improvements for regulatory reporting preparation and quality control.

The challenge

Reporting workflows may lack consistent review steps, documentation, or quality controls — increasing operational and examination risk.

What Peak AML does

We review your CTR and SAR preparation, review, approval, and recordkeeping processes — identifying control gaps and recommending practical improvements. Filing remains your responsibility.

Typical deliverables

  • Process map of current reporting workflows
  • Gap analysis against common regulatory expectations
  • Recommended controls and documentation improvements
  • Training considerations for reporting staff

Who it's for

Compliance teams managing CTR and SAR preparation workflows who want structured process validation.

Implementation & remediation

Structured support for monitoring design, examination readiness, and addressing findings or control gaps.

Transaction monitoring design

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Scenario design, threshold tuning guidance, and alert routing aligned to your transaction patterns.

Outcome: Monitoring scenarios and routing logic aligned to your products and investigator capacity.

The challenge

Monitoring systems generate too many false positives, miss relevant patterns, or lack clear investigation routing.

What Peak AML does

We advise on scenario design, threshold tuning, alert routing, and investigator workflows based on your transaction patterns, products, and team structure.

Typical deliverables

  • Scenario and threshold recommendations with rationale
  • Alert routing and escalation logic
  • Investigator workflow guidance
  • Documentation suitable for model validation or examination review

Who it's for

MSBs, payment companies, and cash-intensive businesses designing or tuning transaction monitoring.

Remediation support

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Structured plans to address examination findings, audit gaps, or internal control weaknesses.

Outcome: A prioritized remediation plan with milestones, ownership, and validation steps.

The challenge

Examination findings, audit observations, or internal reviews reveal control gaps that need structured, documented remediation.

What Peak AML does

We help organize findings, prioritize remediation work, draft action plans, and support validation — working alongside your compliance team, not replacing it.

Typical deliverables

  • Remediation plan with milestones and ownership
  • Updated policies, procedures, or controls as scoped
  • Progress tracking framework for management reporting
  • Validation support for completed remediation items

Who it's for

Organizations responding to regulatory findings, audit observations, or internal control assessments.

Regulatory examination preparation

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Readiness reviews, document organization, and mock interview support for compliance teams.

Outcome: Organized documentation and a prepared team ready to respond to examiner requests.

The challenge

Examination requests require quickly locating policies, cases, training records, and risk documentation across the organization.

What Peak AML does

We help compliance teams organize examination materials, identify documentation gaps, and prepare staff for common examiner questions and request patterns.

Typical deliverables

  • Examination readiness assessment
  • Document organization and request-response framework
  • Mock interview or tabletop session (as scoped)
  • Gap remediation recommendations before examination

Who it's for

Compliance teams preparing for BSA/AML examinations or periodic regulatory reviews.

Ongoing support

Training, periodic advisory, and fractional compliance leadership for teams that need experienced guidance over time.

Employee and management training

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Role-based AML training for front-line staff, investigators, and compliance leadership.

Outcome: Documented training delivery aligned to roles and regulatory expectations.

The challenge

Staff turnover, new products, or examination findings highlight training gaps across front-line and management roles.

What Peak AML does

We deliver role-based AML training tailored to your operations — covering front-line identification, investigation workflows, and management oversight responsibilities.

Typical deliverables

  • Role-based training curriculum outline
  • Live or virtual training sessions (as scoped)
  • Training attendance and completion documentation guidance
  • Follow-up materials for new hire or refresher programs

Who it's for

Organizations needing structured AML training for front-line, operations, and compliance staff.

Ongoing compliance advisory

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Periodic advisory support for policy updates, new products, and emerging regulatory expectations.

Outcome: Continuity of experienced compliance guidance without a full-time hire.

The challenge

Compliance teams need experienced guidance for new products, regulatory changes, or periodic program updates — but lack bandwidth or specialized expertise internally.

What Peak AML does

We provide periodic advisory support on policy updates, new product launches, regulatory developments, and program maintenance — on a retainer or project basis.

Typical deliverables

  • Scheduled advisory sessions or office hours
  • Policy and procedure update guidance
  • New product or channel risk assessments (as scoped)
  • Management reporting support for compliance updates

Who it's for

Growing financial businesses that need experienced compliance guidance on a flexible basis.

Fractional compliance support

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Part-time compliance leadership for organizations that need experienced oversight without a full-time hire.

Outcome: Experienced compliance leadership integrated with your management team.

The challenge

Organizations need senior compliance oversight — program management, board reporting, and team leadership — but are not ready for a full-time Chief Compliance Officer.

What Peak AML does

We provide part-time compliance leadership — overseeing program maintenance, team guidance, management reporting, and regulatory engagement preparation.

Typical deliverables

  • Defined scope of fractional compliance responsibilities
  • Regular management and board reporting (as scoped)
  • Team leadership and workflow guidance
  • Transition planning when a full-time hire is appropriate

Who it's for

MSBs, fintechs, and payment companies scaling compliance operations without a full-time CCO.

Peak AML provides compliance support and advisory services. We are not a law firm and do not provide legal advice. We do not guarantee regulatory outcomes or approval.

Talk to a Compliance Specialist Request a Proposal

Peak AML provides compliance advisory support and optional technology. Information and services provided through this website do not constitute legal advice. Customers remain responsible for their regulatory obligations, filings, policies, and compliance decisions.