Is this a regulator-accepted assessment?

No — it is a screening tool. A real AML risk assessment for regulator submission requires a specialist firm (Big-4 or specialist AML practice) and is typically a 30+ page document. Use this to identify gaps.

Does my score affect my bankability?

Yes. Banks ask about AML maturity during onboarding. A documented, low-score self-assessment plus credible remediation roadmap is a positive signal. A high-score result with no remediation plan signals you to deprioritise high-risk customers.

CalculatorUpdated May 2026

AML Risk Self-Assessment — 15-Question Diagnostic

Score your AML maturity in five minutes. Identify the top three gaps to fix before a bank or regulator finds them.

Fifteen questions across UBO complexity, PEP exposure, geography, transaction profile, and monitoring maturity. Honest answers give you a useful score; padded answers waste your own time.

Progress

0/15

Score

01
How clear is your UBO structure?
02
PEP exposure among UBOs / directors / signatories?
03
UBO/customer exposure to sanctioned jurisdictions?
04
Customer base in high-risk jurisdictions (FATF grey, AML-deficient)?
05
Cash intensity?
06
Average transaction size?
07
Cross-border share of volume?
08
Transaction monitoring system?
09
Customer onboarding KYC?
10
Designated MLRO / AML officer?
11
AML policy documentation?
12
AML training for staff?
13
External AML audit frequency?
14
Suspicious Activity Reports (SARs) filed in last 12 months?
15
Past regulatory enforcement / fine?

Discuss these results with us.

We will look at your specific case, validate the numbers against our active banking partners, and give you a free, honest pre-approval read — usually within 24 hours.

⚠ For informational purposes only. This is not legal, tax, or financial advice. Verify with a qualified advisor before acting on any output.

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Need a real assessment for your business?

The calculator gives indicative numbers. GetBanked does the actual assessment — which banks and licences will actually work for your vertical, jurisdiction, and volume.

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Methodology & sources

Question weights are calibrated against published EBA AML risk-factor guidelines and FATF risk-assessment templates. Score bands: Low (<30), Medium (30-69), High (70-129), Very High (130+).

Negative scores (e.g. -5 for external MLRO) reflect risk reductions from strong controls.

Frequently asked questions

Is this a regulator-accepted assessment?: No — it is a screening tool. A real AML risk assessment for regulator submission requires a specialist firm (Big-4 or specialist AML practice) and is typically a 30+ page document. Use this to identify gaps.
Does my score affect my bankability?: Yes. Banks ask about AML maturity during onboarding. A documented, low-score self-assessment plus credible remediation roadmap is a positive signal. A high-score result with no remediation plan signals you to deprioritise high-risk customers.

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Disclaimer

This calculator is for informational purposes only. It does not constitute legal, tax, or financial advice. Licence fees, tax rates, and regulatory requirements change. You must consult a qualified advisor in each relevant jurisdiction before making any commercial or investment decision. GetBanked and BMC Strategic Inc accept no liability for decisions made on the basis of these calculations.