AML providers compete hard on onboarding and quietly on retention. The exit experience is where the relationship reveals itself: how cleanly your data leaves, in what format, and at what cost.
What to negotiate before signing
- Data export format — CSV is fine; proprietary binary is not.
- Inclusion of historical CDD evidence files (PDFs, biometric captures), not just metadata.
- Clear deletion timeline post-exit, with attestation.
- No 'transition fee' beyond reasonable engineering time.
The actual exit playbook
- Notify in writing per the contract; archive the acknowledgement.
- Run a final export and verify the schema before terminating access.
- Hold retention copies for the seven-year statutory period — your provider's deletion does not change your retention obligation.
- Update your Part A program to reference the new platform; archive the old one.