AML Test Built on Real BSA Reporting Rules

This template is for BSA officers, MLROs, and compliance trainers at banks, credit unions, payment companies, and fintechs who need documented proof that anti-money laundering training actually stuck. It is a scored, pass or fail assessment built from the material regulators expect frontline staff to know cold.

Who signs off on annual AML certification with it

Financial services firms have to certify staff on AML rules, usually every year, and the certification only counts if there is a record of who passed and when. Compliance teams use this quiz as that record: tellers, relationship managers, payment operations analysts, and support agents who touch customer transactions sit the assessment, and the results become audit evidence.

The template is rated medium difficulty and takes 10 to 15 minutes, short enough to run during onboarding or a quarterly refresher without booking a training room.

Eight questions, from KYC definitions to tipping-off rules

There are 8 questions worth 12.5 points each, 100 points in total, with the pass mark set at 80. That means seven correct answers to pass, so one slip is survivable and two are not. Coverage tracks the classic BSA syllabus: what KYC stands for, the $10,000 Currency Transaction Report threshold, the three stages of money laundering (placement, layering, integration), the four pillars of a compliance programme, when Enhanced Due Diligence applies, and what structuring is.

Two questions deserve special mention. A multi-select item asks takers to pick the genuine red flags from a list that includes a routine payroll deposit, which catches people who reflexively flag everything. And a true or false item states, "It is acceptable to inform a customer that a Suspicious Activity Report (SAR) has been filed about their transactions," testing the tipping-off rule that trips up even experienced staff.

Every question carries a written explanation citing the underlying rule, down to the statute for structuring, 31 U.S.C. 5324. Instant feedback is switched off by default, so those explanations arrive with the final score instead of interrupting the assessment.

Swap in your own thresholds, policies, and pass mark

Everything in the template is editable. Firms outside the US can replace the CTR question with their local reporting threshold, EU teams can add directive-specific items, and money service businesses can fold in sector rules. The pass mark can move from 80 to whatever your policy requires, and point values can be reweighted if some topics matter more than others.

The default settings suit a formal certification: no time limit, a visible progress indicator, permission to skip a question and come back to it, and no leaderboard. Retakes are enabled out of the box, which turns a failed attempt into a second study session rather than an HR incident. You can also add a lead capture step when contractors or external agents sit the assessment, and apply your firm's logo and colour scheme so it reads as internal training rather than a third-party pop quiz.

Rolling it out to every teller, analyst, and agent

Send a direct link through your internal channels, print a QR code for branch break rooms, or embed the assessment on an intranet page. Compliance teams running WordPress can publish it inside any page or post using the Uplup plugin's shortcode.

Results land in a dashboard that breaks performance down question by question, so if half the company misses the Enhanced Due Diligence item, you know exactly which part of training to rework. Export everything to CSV for the audit file, or connect webhooks or Zapier to push completions into your HR system automatically.