$3 Billion and 28 Days: The End of Check-the-Box Compliance

On April 7, 2026, eighteen months after TD Bank paid $3 billion to settle the largest AML enforcement action in U.S. history, FinCEN proposed the biggest rewrite of the BSA (Bank Secrecy Act) compliance framework in twenty-five years. The message to the industry: having an AML compliance program isn't enough anymore. It has to actually work. Twenty-eight days later, Anthropic shipped a pre-built KYC agent. It was the first time a frontier AI lab put a named, deploy-ready anti-money laundering tool into the hands of every U.S. bank.In this pilot episode of The Compliance Coffee Break, host Mark (an AI-generated voice, and that's the point) sits down with Dominic Suszek, founder and CEO of Global RADAR and a four-decade veteran of the BSA framework, to get into the most consequential 28 days in financial crime compliance history.What you'll hear:The new effectiveness standard: why having an AML program isn't enough anymoreTD Bank's $3 billion guilty plea and what it taught regulatorsAnthropic's KYC screener and 10 finance-ready AI agents: what they actually doThe five-step framework for AI governance every BSA officer needs in 2026Where the human still has to hold the hammer: judgment, sanctions screening, SAR filingsWhat an examiner will ask when AI runs your KYC workflow in 2027Three failure modes to watch for before you deployThe "Use the hammer. Keep your hand on it." playbookThis is the conversation every U.S. bank, credit union, MSB, and fintech should be having right now. Most aren't.Show notes, the five-step framework, and links to all primary sources at globalradar.com.Topics covered: BSA, AML, KYC, sanctions screening, SAR filing, FinCEN AML/CFT Priorities, OCC, FDIC, NCUA, SR 11-7 model risk management, OCC Bulletin 2011-12, AI compliance, Anthropic Claude, KYC agent, AI governance, third-party risk, financial crime compliance, banking regulation, regulatory effectiveness standard.A Global RADAR production.