Build a BSA/AML program that holds up to the exam.
RADD’s CAMS-certified consultants design, audit, and defend risk-based BSA/AML/OFAC programs for community banks and credit unions — the full five pillars, from risk assessment to consent-order remediation.
When the examiner arrives, “we’re working on it” isn’t an answer.
Most BSA teams at community banks and credit unions are running lean — one or two people covering risk assessments, alert review, SAR filings, training, and board reporting all at once. The work never stops, and the margin for error keeps shrinking.
What lean teams miss first
- Risk assessments that no longer match the actual book of business
- Alert backlogs that grow faster than the team can clear them
- SAR narratives that don’t survive a second read
- Board reporting that shows activity instead of risk
Then the exam cycle comes around, an alert backlog builds, or a look-back gets ordered — and the gaps that were “on the list” become the findings in the report.
Regulators have moved hard on institutions with weak BSA/AML programs: matters requiring attention, consent orders, civil money penalties, and personal liability for the BSA officer. The cost isn’t just remediation. It’s the reputation of the program you’ve spent years building.
You shouldn’t have to carry the whole program alone.
RADD has sat in your seat. Our consultants have led BSA/AML programs, been through the exams, and cleaned up the consent orders — so we build programs the way an examiner reads them.
Our team is CAMS-certified with 30+ years of combined regulatory compliance experience, entirely U.S.-based, and backed by a bench of BSA analysts who can plug in when your team is underwater.
We don’t hand you a binder and leave. We build the program, defend the work, and stay in it with you.
- CAMS-certified consultants, entirely U.S.-based
- 30+ years of combined regulatory compliance experience
- Led BSA programs, sat through the exams, cleaned up the consent orders
- A bench of BSA analysts who plug in when your team is underwater
The R.A.D.D. Compliance Confidence Framework™
You shouldn’t have to figure out where to start. Our four-step framework turns regulatory uncertainty into a clear path forward — built around your institution’s size, business lines, and risk profile.
Reveal Risks
We uncover the regulatory gaps, operational risks, and audit vulnerabilities specific to your institution through a proactive compliance assessment — before an examiner finds them first.
Align & Analyze
We benchmark your current compliance posture against examiner expectations and board priorities, including emerging risks like crypto, fintech partnerships, IT compliance, and privacy laws (CCPA/GLBA).
Design Your Compliance Roadmap
You get a customized, board-ready roadmap with priorities, timelines, resource recommendations, and predictive strategies to eliminate future findings — not just the ones you already know about.
Deliver & Defend
We execute the roadmap alongside your team — through tailored audit engagements or our RADD Assist subscription — and stand with you in front of examiners, the audit committee, and the board.
Full-program BSA/AML/OFAC support.
Consulting & program build
- Policies and procedures development
- BSA/AML/OFAC risk assessments
- Internal controls design
- Training programs
- Audit and consent-order remediation
- Look-back projects (CDD, EDD, SAR review)
- On-site visits
- Cannabis / MRB risk software validation
Independent audit & monitoring
- Comprehensive BSA/AML audits
- Alert review and management
- Model and data validation
- Risk-rating methodologies
- Board reports and dashboards
- Marijuana-related-business (MRB) banking compliance
- High-risk account due diligence
What “handled” looks like.
A five-pillar program you can defend line by line. Risk assessments that match your real exposure. An alert and SAR process that keeps pace. Board reporting that tells a clean story. And a partner on call the next time an examiner, a look-back, or a new line of business raises the stakes.
That’s the difference between hoping the program holds and knowing it does.
Why Clients Rely on RADD LLC
Frequently asked questions
Who is this for?
BSA Officers, BSA/AML Officers, Chief Compliance Officers, and VPs of Compliance at community banks and credit unions — including institutions banking cannabis / MRBs.
Can you help during an active exam or consent order?
Yes. Consent-order remediation and exam response are core to what we do, and we can bring in BSA analysts on short notice.
Do you do independent audits as well as build the program?
Yes — and when independence matters, we scope the audit separately from the build so the review stands on its own.
Are your consultants certified?
Our team is CAMS-certified with 30+ years of combined regulatory experience and is entirely U.S.-based.
Let’s pressure-test your BSA/AML program before the examiner does.
Book a 30-minute call. We’ll walk through where your program stands against the five pillars, where the exam risk is, and what a defensible path forward looks like. If RADD isn’t the right fit, we’ll tell you.
