AML Scenario Gap Finder
Institution type

What a community bank's scenario inventory has to reach

A community bank runs the widest spread of channels on the smallest team: cash at the branch, checks and remote deposit, ACH, wires both ways, instant payments and cards. Its inventory is usually strongest on cash and wires and thinnest on the newer rails.

Channels ticked by default: cash, branch and ATM, checks, remote deposit capture, monetary instruments, ACH and direct entry, domestic wires, international wires, real-time payments, person-to-person payments, debit and credit cards, online and mobile banking, loans and credit lines and safe deposit boxes. On those 13 default channels the coverage chart carries 47 typologies and 120 sectors; untick a channel and its column leaves the chart. Read a scenario list as this institution.

Typologies and the channels they apply to

47 typologies, 120 sectors, 13 channels
TypologyChannels offered by default
Cash structuring below the reporting thresholdCSH MIN
Large cash deposits and withdrawalsCSH
Cash-intensive business out of lineCSH
Cash bought into monetary instrumentsMIN
Cash withdrawn abroadCSH CRD
Rapid movement of fundsACH WDM WIN RTP P2P
Transfers between related accountsACH WDM RTP ONL
Internal and suspense accountsWDM WIN
Loan paid down from unexplained fundsACH WDM LNS
Funnel accountsCSH CHK
Third-party depositsCSH CHK RDC
Money mulesACH RTP P2P
Many-to-one and one-to-manyACH WDM RTP P2P
Shell and front companiesWDM WIN
High-risk jurisdictionsWIN
Cross-border activity out of profileWIN CRD
Trade paid by an unrelated partyWIN
Politically exposed personsCSH WDM WIN
Private banking and high net worthWDM WIN
Money services business customersCSH WDM
High-risk customer segmentCSH ACH WDM WIN
Charities and non-profitsACH WIN
Dormant account reactivationCSH WDM WIN RTP
Activity above the expected profileCSH ACH WDM WIN
New accounts with outsized activityCSH RDC ACH WDM RTP P2P
Round amountsCSH ACH WDM WIN
VelocityRTP P2P CRD
Structuring below the funds-transfer recordkeeping lineMIN WDM WIN
Sanctions name screeningACH WDM WIN RTP P2P
Sanctioned ownership and controlWIN
Comprehensively sanctioned geographiesWIN ONL
Sectoral sanctionsWIN
Missing originator or beneficiary informationWDM WIN
Beneficiary name does not match the accountWDM WIN RTP
Check kiting and returned itemsCHK RDC
Remote deposit duplicatesCHK RDC
Exploitation of older customersCSH CHK WDM P2P
Account takeoverWDM RTP P2P ONL
Scam payments by the customerWDM RTP P2P
Business email compromiseACH WDM WIN
Prepaid loading and card cash-outCRD
Transaction laundering through merchantsCRD
Human trafficking red flagsCSH P2P CRD
Drug trafficking proceedsCSH WIN
Terrorist financing indicatorsWIN P2P
Proliferation financingWIN
Bribery and corruption proceedsWDM WIN