Typology group
Rapid movement and pass-through
Money that arrives and leaves before it rests: in-and-out flows, transfers between related accounts, internal accounts used to break the trail, and loans paid down from nowhere.
The typologies
4| Typology and a scenario that places there | Channels | BSA |
|---|---|---|
| Rapid movement of fundsRapid movement: funds in and out within 48h > 80% | ACH WDM WIN RTP P2P | BSA BSA-AML-15 |
| Transfers between related accountsCircular transfers between related party accounts | ACH WDM RTP ONL | BSA BSA-AML-15 · BSA BSA-CDD-3 |
| Internal and suspense accountsCustomer funds routed through suspense accounts | WDM WIN | BSA BSA-AML-15 |
| Loan paid down from unexplained fundsLoan paid down early with funds from an unrelated third party | ACH WDM LNS | BSA BSA-AML-15 · BSA BSA-CDD-3 |