---
title: Using Your Risk Assessment to Optimize Monitoring
description: Optimize your BSA/AML/CFT program by effectively using risk assessments to identify and mitigate risks, enhancing your suspicious activity monitoring efforts.
---

[Banker's Compliance Consulting Blog ](https://blog.bankerscompliance.com/en)

# [Using Your Risk Assessment to Optimize Monitoring](https://blog.bankerscompliance.com/en/using-your-risk-assessment-to-optimize-monitoring)

 Written by [Amy Kudlacek](https://blog.bankerscompliance.com/en/author/amy-kudlacek) | May 26, 2026 4:54:11 PM

A [risk assessment](https://bsaaml.ffiec.gov/manual/BSAAMLRiskAssessment/01#:~:text=The%20development%20of%20the%20BSA,within%20these%20specific%20risk%20categories.) is a key component of your overall BSA/AML/CFT program. It should not be a guess or a shot in the dark rather it’s a process you go through in order to reach a conclusion about the risks you are facing. For example, you should be asking and prepared to answer the following questions:

1. What and where are the risks within our institution?
2. What’s been done to mitigate these risks?
3. Where do we stand after identifying and mitigating the risks?

Knowing what your risks are and where they come from can also help you to focus your efforts when it comes to suspicious activity monitoring.

Published 2026/05/26

[View full post](https://blog.bankerscompliance.com/en/using-your-risk-assessment-to-optimize-monitoring)

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