Training Programs are designed to educate which group?

• A. External auditors
• B. Regulators
• C. Senior management
• D. Credit union staff

Answer: (D)

Training programs are meant to give the people who actually handle day-to-day operations and customer interactions the knowledge they need to apply AML/BSA rules correctly. Credit union staff are on the front lines—opening accounts, processing transactions, monitoring activity, and knowing when to escalate or report—so they’re the primary audience for these programs. External auditors and regulators aren’t the recipients of a bank’s internal training; they engage with the institution in other ways, such as performing audits or reviewing regulatory guidance. Senior management may receive higher-level or governance-focused training, but the standard training program is built for staff to ensure proper implementation of policies and procedures every day.