What should a bank focus on to ensure on$-$going compliance with its Anti$-$Money Laundering $($AML$)$ program?

Group of answer choices

It should review and update its transaction monitoring system

It should ensure that it develops and provides on$-$going targeted AML training of all current and new employees

It should ensure that the regulators have reviewed and have approved the bank$$s AML program.

It should subject all new employees to criminal background checks before being hired.