Build an annual operating-cost estimate for a AML monitoring program without relying on jurisdiction-specific fee assumptions. Combine internal labor, technology or data services, external professional support, training, and allocated overhead, then apply an explicit contingency. Results include total annual cost, monthly run rate, cost per alert, and the largest cost component. Use the model for budgeting and scenario comparison, not as evidence that a particular spending level satisfies legal obligations.
Total annual cost is the modeled recurring resource requirement under the entered scope. Monthly run rate divides it by 12, while cost per alert allocates the total across activity volume. These figures measure spending, not control effectiveness.
This budget model is not legal advice and does not prescribe required staffing, systems, monitoring thresholds, or controls. Confirm scope and obligations with qualified professionals.
Using the default values, internal labor is $702,000. After overhead and the entered recurring costs, the 10% contingency produces the annual estimate shown by the calculator. Change any component to test a different operating model.
Include recurring internal labor, technology or data, external services, training, and an allocated share of overhead that is directly connected to the program scope.
Annual hours are multiplied by the entered loaded hourly rate. The loaded rate should reflect the organization's chosen treatment of compensation, benefits, and employment costs.
Include them only if the selected planning horizon and decision require them. This calculator annualizes recurring operations and keeps contingency visible as a separate modeled amount.
It divides total modeled annual cost by the entered annual alert volume. It is an allocation metric, not proof that each unit causes equal work.
No. Spending and compliance effectiveness are different. Legal obligations, control design, testing, documentation, and outcomes require separate evaluation.
| Component | Basis | Common boundary |
|---|---|---|
| Internal labor | Hours × loaded rate | Program work only |
| Technology and data | Annual recurring cost | Exclude unrelated enterprise systems |
| External services | Annual fees | Avoid labor duplication |
| Contingency | Percent of subtotal | Keep separate from known costs |