Which of the following is NOT a BSA required component of a compliance program?

a. A Compliance Department in the financial institution responsible for identifying and investigating suspicious activities.

b. An AML/CFT training program for relevant employees of the financial institution.

c. Independent testing of the financial institutions compliance program.

d. A system of internal controls to prevent the financial institution between used as a conduit for ML and FT.

e. A Customer Identification Program to identify and validate the identity of customers.