Which of the following is not a typical element of an AML/CTF compliance program?

• A. Transaction monitoring and suspicious activity reporting.
• B. Customer due diligence and risk assessment.
• C. Regular audits of marketing campaigns.
• D. Ongoing monitoring and training.

Answer: (C)

AML/CTF programs are built to detect and prevent money laundering and terrorist financing through controls that focus on who customers are, how their funds move, and how staff respond to red flags. Transaction monitoring and suspicious activity reporting are core tools for spotting unusual fund flows and reporting them to authorities. Customer due diligence and risk assessment help you know the risk level of each client and tailor your monitoring accordingly. Ongoing monitoring and training keep the program effective over time, ensuring staff recognize red flags and processes stay up to date.

Regular audits of marketing campaigns, on the other hand, don’t address those financial crime control goals. Marketing audits concentrate on the effectiveness and compliance of promotional activities, not on detecting or preventing money laundering or terrorist financing. That’s why this option isn’t a typical element of an AML/CTF compliance program.