Please see the full list of activities with loss and gain of CMLs.
| Activity | Loss or increase of CML per week or per instance | Annual increase or decrease | Lifetime increase or decrease |
| 1. 5 minutes of compliance training or engagement or activity once a week. | 2 CML per instance | $1,248 based on 5 minutes of training per week | $49,920 (more than a year’s net income) |
| 2. Engaging a third party with appropriate due diligence | 14 CML per week they are engaged (based on 2 CML per day) | $8,736 per third party per year.
Assuming the average engagement is 3 per year, that’s a saving of $26,208 per year. |
Taking an assumption of 3 engagements per year over a 40 year period, that’s $1,048,230 (nearly half of the average lifetime salary) |
| 3. Engaging a third party agent without due diligence | – 2 CML per week they are engaged | – $8,736 per year.
Assuming the average engagement is 3 per year, that’s a loss of – $26,208 per year. |
-$1,048,230 (see 2 above) |
| 4. Regularly updating due diligence of existing third parties | 2 CML per week | Taking presumptions of 2 above, that’s $26,208 per year. | Taking presumptions in 2 above, that’s $1,048,230 |
| 5. Recording benefits | 20 CML per instance | Let’s assume that people need to record 5 benefits a year, that’s $600 | $24,000 (more than half a year of net salary) |
| 6. Not recording benefits | -200 CML per instance | I have greatly increased the loss of CMLs than I added in 5 above, as usually when people don’t record they have something to hide. Based on not recording 5 times a year that comes to a whopping -$12,000 | -$480,000 (around a quarter of lifetime earnings) |
| 7. Working in foreign territories | -2 CML per week | Based on people who travel working abroad 18 weeks a year, this amounts to – $432 | – $17,280 (this figure can easily be negated through training in 1 above) |
| 8. Managing a large group of people in different territories | -2 CML per week | – $1248 | – $49,920 |
| 9. Reporting incidents | 200 CML per instance | $2,400 | $96,000 |
| 10. Not reporting incidents | -2000 CML per instance | -$24,000 (I have increased the loss by 10 fold from the gain on the basis that someone who does not report is more likely to have something to hide – plus not knowing about the risk increases the risk significantly). | -$960,000 |
| 11. Sharing confidential files on non-network computers | -2 CML per instance | Assuming that someone who shares files once, will do it a number of times in a year I have used a multiplier of 240 (i.e. days people work per year) to get -$5760 | -$230,400 |
| 12. Working with Government officials | -20 CML per week per official | – $12,480 | Based on working with a Government Official over 50% of work life: -$249,600 |
| 13. Working in any kind of sales or procurement role | -2 CML per week | – $1,248 | – $49,920 |
| 14. Permanently working in remote jurisdictions away from head office | -10 CML per week | – $6,240 | – $249,600 |
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