What are the core AML obligations of a bank?
Universally: appointment of an MLRO / BSA officer (or equivalent), board-approved AML / CTF programme, customer identification and verification at onboarding, enhanced due diligence for high-risk customers and PEPs, beneficial-ownership identification, sanctions screening of customers and transactions, transaction monitoring, suspicious-activity reporting to the FIU, threshold reporting (CTR / TTR), correspondent-banking due diligence, recordkeeping, independent testing, and ongoing employee training. These are the "pillars" the FFIEC manual makes explicit.