we are $9.6b and our only regret was not getting it sooner then we did
it is a great program, we use their service bureau, we paid back our up front cost in less then 2 years with only a small increase in fees
the regulatory control, ease of research, OFAC and giving input to the front line in our 6 states was more then worth the fee. we centrally verify, correct and release the wire.
go for it. I doubt you will regret your choice