Under the USA Patriot Act, what must the AML program provide on an ongoing basis?

• A. Annual external audits.
• B. Training on an ongoing basis.
• C. No training required.
• D. A one-time training at inception.

Answer: (B)

Ongoing training is required because the AML program must keep staff up to date on evolving money laundering schemes, red flags, and how to report suspicious activity. The Patriot Act expects training to be a continuous effort, not a one-time event, so employees regularly refresh their knowledge and stay aligned with current policies and regulatory expectations. This ongoing approach helps ensure the institution can effectively detect and respond to emerging risks. Options suggesting no training or only a one-time session miss the requirement for continuous education, and while periodic audits can be part of compliance, they do not replace the need for ongoing training.