AccelaStudy Enterprise replaces checkbox compliance training with adaptive intelligence that detects false proficiency — and generates auditable evidence of real comprehension for OCC, FINRA, and SEC examiners.
Financial institutions spend $10,000 per employee per year on compliance training at large organizations. Employees click through slides, pass 70% quizzes, and receive completion certificates. But when regulators examine whether staff actually understand BSA/AML requirements, SOX obligations, or FINRA regulations, completion records prove nothing about comprehension.
FINRA fines have averaged $89M per year. The OCC issues consent orders. The SEC brings enforcement actions. In every case, the institution had "compliant" training records. The problem was never the training hours — it was the inability to prove that employees actually understood the material.
$89M/year average FINRA fines across the industry
$10,000/employee/year compliance training cost at large institutions
Completion certificates prove nothing about actual comprehension
Employees who pass quizzes but can't apply regulations under real-world variation
AccelaStudy Enterprise replaces completion-based compliance training with real competency evidence.
The system detects employees who pass quizzes but can't demonstrate understanding under variation. When someone "knows" BSA requirements but consistently confuses them with AML obligations, AccelaStudy surfaces the gap — before the examiner does.
Generate exportable competency reports for OCC, FINRA, and SEC examinations. Not completion records — mathematically verifiable evidence of genuine comprehension across BSA/AML, SOX, securities regulations, and firm-specific policies.
"The Northeast region's BSA/AML proficiency is trending downward. Three branch managers are predicted to fall below compliance thresholds within 60 days." Intervene before the audit finding, not after.
Adaptive preparation for Series 7, 63, 65, and 66 examinations. Predict pass/fail outcomes weeks before exam dates and prescribe targeted study that maximizes first-attempt pass rates.
"Branch operations team shows high quiz scores on BSA training, but AccelaStudy detects systematic confusion between Currency Transaction Report thresholds and Suspicious Activity Report triggers. Targeted intervention deployed to 47 employees before quarterly OCC review."
"New VP of Commercial Lending has 18 years of industry experience. AccelaStudy maps existing competency in 2 hours, identifies gaps only in firm-specific policies and recent regulatory changes. Full compliance readiness achieved in 3 weeks instead of the standard 12-week onboarding program."
"OCC examination scheduled for Q3. AccelaStudy generates institution-wide compliance proficiency report showing 94% genuine comprehension across BSA/AML requirements — with specific evidence for each employee, not just completion timestamps."
"Cohort of 23 new associates preparing for Series 7. AccelaStudy predicts 4 at high risk of failure, identifies specific knowledge gaps (options pricing models, municipal bond regulations), and prescribes targeted study plans. Result: 22 of 23 pass on first attempt."
| Impact Area | Annual Value |
|---|---|
| Training time reduction (40-60% of compliance training budget) | $4,000,000 – $6,000,000 |
| Avoided regulatory fines and consent orders | $2,000,000 – $5,000,000 |
| Accelerated onboarding (8 months → 3-5 months) | $4,200,000 |
| Improved Series exam first-attempt pass rates | $500,000 |
| Reduced compliance remediation costs | $1,500,000 |
| Total estimated annual impact | $12,200,000 – $17,200,000 |
Conservative estimate (50%): $6,100,000 – $8,600,000 annually
See how AccelaStudy Enterprise can turn your compliance training into genuine competency evidence.