You're in. Welcome to The Audit Trail.

How to spot a fake bank statement: edited-after-creation vs generated-from-scratch, which visual tells still work, and how file history exposes forgeries.

How banks evaluate AML vendors under OCC and FFIEC third-party risk rules, including residual BSA risk for processors, screening, BPO, and model vendors.

BSA independent testing: independence, risk-based frequency, sampling, board reporting, and what OCC examiners expect after Bulletin 2025-37.

Wire fraud detection for banks: known-number callbacks, beneficiary checks, mule holds, and 24-hour IC3 recall. IC3 reported $20.877B in 2025 losses.

BSA officer responsibilities go beyond a board title: designation, independence, SAR authority, board reporting, staffing, and what examiners test.

What FinCEN 314(a) information sharing is: government-to-institution searches, 14-day match reporting, and how it differs from voluntary 314(b).

A Currency Transaction Report is FinCEN Form 112 for cash over $10,000 in one business day. Covers aggregation, exemptions, and how CTRs differ from SARs.

CIP is the BSA identity program at account opening under 31 CFR 1020.220.