The MasterCard Business Risk Assessment and Mitigation (BRAM) program was first launched in 2007. In July 2015, MasterCard announced changes to the program, continuing the evolution of managing merchant risk and compliance. The BRAM Monitoring Program (BMP) will now be known as the Merchant Monitoring Program. Categories under the Merchant Monitoring Program are focused on BRAM and unauthorized aggregation known as transaction laundering (TL). All acquirers will be responsible for registering their own Merchant Monitoring Program service providers, and complying with both the Business Risk Assessment and Mitigation and transaction laundering rules. Changes have been made to mitigation policies, making it a priority for acquirers to identify and contract with the right service provider.


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