ProgramForce

In Development

AML Program Lifecycle Management

Expected availability: Q3 2026 · For small and medium-sized MSBs

ProgramForce creates, maintains, and evolves your AML compliance program. Every program is individually crafted based on your license type, jurisdiction, and the specific services you offer. When regulation changes or your business evolves, your program updates with it.

A Living Document

Most compliance programs are written once and sit in a drawer until an examiner asks for them. ProgramForce treats your program as a living, versioned compliance artifact. It tracks changes to federal and state regulation, evaluates how those changes affect your specific program, and proposes updates with full regulatory justification.

What ProgramForce Delivers

A complete AML/BSA compliance program tailored to your business type, jurisdiction, and risk profile

Regulator-ready PDF output with table of contents, glossary, regulatory citations, and change log

Version history with full traceability — every change is logged with the regulatory basis for the change

Update proposals when regulation changes, with impact analysis across all program sections

Support for corporate resolution — your program includes a placeholder for formal board adoption

How It Works

Program Creation

ProgramForce analyzes your business type, jurisdiction, regulatory obligations, and risk profile to design a program unique to your operation. Two similar clients will not receive identical programs — verbiage, section depth, and emphasis vary based on your specific circumstances.

Regulatory Monitoring

The system continuously monitors federal statutes, state regulations, and OFAC requirements. When a change is detected that affects your program, an update cycle begins automatically.

Update Proposals

Changes are never applied silently. ProgramForce identifies what needs to change, explains why based on the specific regulation, and presents the proposal for your review. You approve before anything is modified.

Version Control

Your program follows a strict version history. Every version is immutable once adopted. If a rollback is needed, ProgramForce creates a new forward version — the audit trail is never broken.

You Stay in Control

ProgramForce proposes, documents, and justifies changes — but adoption authority always remains with you. Your compliance team reviews every update before it takes effect. The AI handles the research and drafting; your team makes the decisions.

Who ProgramForce Is For

Precious metals dealers subject to BSA/AML compliance requirements

Check cashers requiring programs aligned with their state licensing requirements and federal BSA obligations

Money transmitters with complex multi-requirement compliance obligations

Foreign currency exchangers operating under state and federal regulation

Payment instrument sellers tracking security and net worth program elements

Deferred presentment providers with specialized compliance needs

Ready for a compliance program that keeps up with your business?