This AML Voices webinar brought together industry experts to discuss evolving best practices in anti-money laundering compliance amid a shifting regulatory landscape. The panelists - Corey Wells from First Federal Bank, Jonathan Fox from Citizens Bank, and Terry Pesce from Terry Pesce and Co. - explored how recent regulatory guidance from FinCEN and other agencies is moving away from checkbox compliance toward more tailored, risk-based approaches. Key topics included the new SAR filing FAQs, the increased reliance on internal audit reports during examinations, and the appropriate use of AI and technology to enhance efficiency without replacing human judgment. The experts emphasized that while regulatory expectations may be lightening in some areas, institutions should maintain strong practices around documentation, customer risk rating, and insider threat detection. Throughout the discussion, panelists stressed that best practices require continuous adaptation, strong board relationships, and a mindset of constant improvement rather than viewing compliance as a static goal.