Why is strict adherence to Anti-Money Laundering (AML) and Know Your Customer (KYC) regulations critical for financial institutions? Additionally, outline the key components of a robust AML/KYC compliance program.

在你看来，金融机构为什么需要严格遵守反洗钱（AML）和了解你的客户（KYC）的监管要求？请你概述一下一个健全的AML/KYC合规项目通常包含哪些基本要素。