What is the primary goal of an institution's BSA/AML program that is evaluated by the BSA Independent Auditor?

The primary goal of an institution's BSA/AML program, as evaluated by the BSA Independent Auditor, is indeed to ensure effective anti-money laundering measures. This is crucial because the core purpose of these programs is to detect and prevent financial crimes, including money laundering and the financing of terrorism. The effectiveness of a BSA/AML program is measured by its ability to identify suspicious activities, report them appropriately, and comply with regulatory requirements.

By assessing the BSA/AML program's effectiveness, auditors can gauge how well the institution adheres to legal standards and minimizes the risk of being used for illicit financial activities. This focus helps protect both the institution and the financial system at large from criminal abuse, ensuring compliance with laws, regulations, and best practices.

The other options, while they may contribute to a healthy organizational environment and business success, do not align with the main objective of the BSA/AML program, which is fundamentally about compliance and risk management in the context of preventing money laundering and maintaining the integrity of the financial system.