Transaction Monitoring Skill - v1.0.0

AML transaction monitoring for ongoing customer relationships. Identifies suspicious patterns, assesses structuring and layering, and prepares Suspicious Activity Reports (SARs).

Overview

Transaction monitoring is a continuous obligation under AML regulations. This skill analyzes transaction data to detect patterns that may indicate money laundering, terrorist financing, or other financial crime.

Detection Patterns

1. Structuring (Smurfing)

• Multiple transactions just below reporting thresholds
• Multiple deposits across different branches/channels on same day
• Pattern of round-number transactions
• Threshold (US): $10,000 CTR threshold; $5,000 aggregated suspicious activity