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AML Monitoring Retention Deadline Planner

The AML Monitoring Retention Deadline Planner calculates a planning deadline by adding an editable retention period to a selected trigger date. It is designed for compliance teams organizing aml monitoring records, evidence, or review artifacts and needing a clear date for disposition review. BSA recordkeeping periods vary by record type. A five-year assumption is common for many BSA records, but an AML monitoring artifact may be governed by a different rule, policy, litigation hold, or supervisory expectation. Confirm the applicable trigger and period. The planner does not decide which legal rule applies; it makes the date arithmetic transparent once the correct trigger and retention period have been identified.

Inputs

years
days
Result
—
calculated result
Base deadline—
Deadline with buffer—
Days from today—
Approx. retention days—

1. Identify the trigger. Determine the event your applicable rule or policy uses, such as account closure, document creation, filing, or another specified event.

2. Enter the trigger date. Use the actual date associated with the record category you are planning.

3. Set the retention period. Enter the number of years required by the rule, contract, policy, or approved records schedule that governs the record.

4. Add any valid hold or buffer. Use extra days only when a documented litigation hold, investigation hold, policy buffer, or other requirement applies.

5. Review the dates. The base deadline shows the retention period alone; the final deadline includes the additional days.

Planning formula:

Base deadline = Trigger date + Retention period
Final deadline = Base deadline + Additional hold/buffer days

Calendar years are added first, preserving the month and day where possible, and additional days are then added. The calculator treats the retention period as a planning input, not as a statement of the law that applies to a particular record.

What the result means

Use the result as a planning estimate based on the assumptions entered. Revisit the inputs when workload, legal scope, risk profile, staffing, or cost conditions change.

This tool provides general planning information and does not replace legal advice, a regulator-specific methodology, or an organization’s approved compliance procedures.

Given: An AML record with a trigger date of March 15, 2026, a 5-year retention period, and a 45-day approved disposition buffer.

Calculation: Base deadline = March 15, 2026 + 5 years = March 15, 2031. Final deadline = March 15, 2031 + 45 days = April 29, 2031.

Result: April 29, 2031 is the planning review date for this scenario, subject to confirming the record-specific rule and any holds.

Which AML record should control the retention trigger?

Use the trigger specified for the particular record type, such as creation, transaction, filing, or another defined event. “AML monitoring record” is too broad to assume one trigger for every artifact.

Is the five-year default a universal AML rule?

No. Many BSA recordkeeping provisions use five years, but the correct period varies by record and circumstance. Replace the default with the period that governs the specific record being scheduled.

Can a legal hold extend the calculated deadline?

Yes, but a hold with no definite end date should not be reduced to an arbitrary number of buffer days. Keep the record until the hold is formally released, then recompute the disposition review date if needed.

Does the planner tell me when to delete AML records?

No. It gives a review date from the inputs. Before disposition, confirm the current schedule, regulatory obligations, investigations, litigation holds, and internal approvals.

How should amended or recreated records be treated?

Determine whether the applicable requirement restarts retention from the amendment, filing, or other event. Do not assume the original trigger remains controlling when the record has a legally significant later event.