OFAC compliance maturity model

Maturity model: Level 1 — Ad-hoc (manual checks, no policy). Level 2 — Basic (API integrated into main payment path, basic policy). Level 3 — Managed (all payment paths covered, monitoring, logs). Level 4 — Optimized (continuous testing, independent audits, dedicated resource). Level 5 — Leading (real-time monitoring, AI-driven alert handling, industry benchmark). Most startups start at Level 2 and reach Level 3 within 3 months.