Which item is not one of the three Pillars of BSA as described?

• A. Designation of a person
• B. Training
• C. Marketing and outreach
• D. Customer Due Diligence

Answer: (C)

Understanding the three pillars of a BSA/AML program. A BSA/AML program rests on three core areas: designation of a person responsible for BSA compliance (a BSA officer or equivalent), ongoing training for staff to recognize and respond to suspicious activity, and customer due diligence to identify and verify customers, assess risk, monitor activity, and maintain records. Marketing and outreach, while important to business, does not constitute one of these pillars. It relates to growth rather than the internal controls, education, and risk-based processes that the BSA/AML framework requires. So the item that does not fit is marketing and outreach.