AML Records Reviewed.
Findings Clearly Documented.
Anti-money laundering compliance involves more than policy documents — it shows up in the quality of your transaction monitoring records, your customer due diligence files, and how your suspicious activity reports are prepared. Ergovault reviews each of these systematically and delivers a written summary you can act on.
A clear picture of where
your AML records stand
AML compliance is an area where gaps tend to stay hidden until they're not. A review conducted before a regulatory examination is a different experience than one triggered by one. Ergovault works through your records methodically, identifies what's in good shape, and flags what needs attention — in writing, plainly.
The deliverable isn't a stack of observations. It's a structured findings summary with specific recommendations that your compliance team can work from directly — whether that means adjusting processes, filling documentation gaps, or preparing for an upcoming review.
AML compliance gaps are rarely visible from the inside
Documentation accumulates unevenly
Transaction records, CDD files, and SAR documentation tend to grow in different directions under different hands. What looks complete internally often has gaps that only surface under a structured review.
Regulatory expectations shift
AML requirements evolve — what satisfied an examiner two years ago may not meet current expectations. Keeping documentation in step with these changes is an ongoing task that competing priorities tend to crowd out.
Internal reviews have limits
Teams working in a compliance environment day-to-day develop blind spots to their own documentation patterns. An outside review applies a different standard and catches things that internal familiarity tends to normalize.
Methodical, documented,
and oriented toward action
Ergovault approaches AML record review the way an external auditor approaches financial records — with a defined scope, a structured methodology, and an output that's useful beyond the immediate engagement.
We work through your transaction monitoring documentation, customer due diligence files, and SAR preparation records. Each area is reviewed against applicable requirements. Where records meet the standard, we note it. Where they fall short, we document what's missing and recommend what to do about it.
The findings summary is prepared in plain language — not compliance shorthand that requires interpretation. Your team should be able to read it, understand it, and begin acting on it without a follow-up call to decipher the conclusions.
Scope definition
We agree on the exact scope of the review upfront — which record types, which time periods, and what regulatory framework applies to your business.
Record examination
Transaction monitoring documentation, CDD files, and SAR preparation records are reviewed systematically against current AML requirements.
Findings documented
Every finding is recorded — what was reviewed, what the standard requires, what was found, and what, if anything, needs to change.
Written summary delivered
A structured written report with findings and prioritized recommendations — ready to file, share with your compliance team, or reference in a regulatory conversation.
What to expect through the review
We start by understanding your business, regulatory environment, and what prompted the review — whether that's an upcoming examination, a periodic internal check, or a change in your compliance program. This shapes the scope and focus.
We work from the records you provide. The process is designed to minimise disruption to your team — we ask for specific items, not everything at once, and work through them on our side before coming back with questions.
If something in the records raises a question that requires clarification from your team, we ask specifically and directly. No open-ended requests, no vague follow-ups that create work without purpose.
The written findings summary is delivered at engagement close. It covers what was reviewed, what was found in each area, and what, if any, process improvements are recommended. You receive it in a format that's ready to use.
One engagement, one price
The engagement fee covers the full review and written findings summary. Scope is agreed before work begins, so the price reflects what the engagement actually involves for your organisation. Questions about what's included are welcome before any commitment is made.
What the review measures and why it matters
Each record type is reviewed for completeness against what applicable AML requirements call for. Missing fields, absent documentation, and inconsistencies between records are identified explicitly.
AML documentation needs to be internally consistent — what a transaction monitoring alert says should align with what the CDD file shows and what any SAR documentation reflects. We check these across records, not just within them.
We review documentation against current AML requirements — not what was in effect two years ago. Requirements change, and documentation practices that were sufficient at one point can fall out of alignment without anyone noticing.
Suitable for: Financial institutions, payment processors, money services businesses, and other regulated entities subject to AML compliance obligations. Useful ahead of regulatory examinations, as a periodic internal check, or following a change in compliance personnel or procedures.
Typical timeline: Engagement scope is agreed within the first week. Record review and findings drafting typically takes two to three weeks depending on the volume of documentation. A final written summary is delivered at engagement close.
A findings report you can actually use
Written, structured, file-ready
The findings summary isn't a verbal debrief. It's a written document — structured by area, specific in its observations, and clear in its recommendations. Something your team can file, share with leadership, or reference if a regulator asks about your review process.
Scope agreed before work starts
There are no surprises about what the review covers or what it costs. Scope is confirmed before any work begins, so you know exactly what the engagement involves before committing to it.
Initial consultation at no charge
The first conversation is a chance to understand your situation and explain how the review works. No commitment is implied or expected before you've had the chance to decide whether it's the right service for your needs.
Questions welcomed throughout
If something in the review process raises a question on your side, we answer it. The engagement is collaborative — you're not left waiting until the final report to understand what's being looked at and why.
How the engagement begins
Reach out
Use the contact form on the home page or email us directly. Let us know briefly what type of entity you are and what's prompting the review.
Scope conversation
We talk through what records you have, which regulatory framework applies, and what you need from the review — then confirm scope and timing.
Review begins
Once scope is agreed, we start with an initial document request and work through the review systematically, keeping you informed as we go.
Know where your AML records
actually stand
Whether you're preparing for an examination, conducting a periodic check, or responding to a change in your compliance program — a structured review gives you a clear picture and a document to show for it.
Get in TouchTwo other ways Ergovault can help
Compliance & Regulatory Reporting
Preparation of financial reports required by industry-specific regulatory bodies — periodic filings, annual compliance submissions, and regulatory inquiry documentation, managed on a structured calendar.
Licensing Financial Documentation
Balance sheets, income statements, and supplemental schedules prepared to the format specified by licensing authorities — for new applications or renewal submissions, without disrupting ongoing operations.