AML Scenario Gap Finder
Institution type

What a credit union's scenario inventory has to reach

A credit union serves members through cash, checks, ACH and cards, with fewer international wires than a bank. Older members make exploitation scenarios a larger share of the work.

Channels ticked by default: cash, branch and ATM, checks, remote deposit capture, monetary instruments, ACH and direct entry, domestic wires, real-time payments, person-to-person payments, debit and credit cards, online and mobile banking and loans and credit lines. On those 11 default channels the coverage chart carries 42 typologies and 95 sectors; untick a channel and its column leaves the chart. Read a scenario list as this institution.

Typologies and the channels they apply to

42 typologies, 95 sectors, 11 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Cash withdrawn abroadCSH CRD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 RTP P2P
Transfers between related accountsACH WDM RTP ONL
Internal and suspense accountsWDM
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
Cross-border activity out of profileCRD
Politically exposed personsCSH WDM
Private banking and high net worthWDM
Money services business customersCSH WDM
High-risk customer segmentCSH ACH WDM
Charities and non-profitsACH
Dormant account reactivationCSH WDM RTP
Activity above the expected profileCSH ACH WDM
New accounts with outsized activityCSH RDC ACH WDM RTP P2P
Round amountsCSH ACH WDM
VelocityRTP P2P CRD
Structuring below the funds-transfer recordkeeping lineMIN WDM
Sanctions name screeningACH WDM RTP P2P
Comprehensively sanctioned geographiesONL
Missing originator or beneficiary informationWDM
Beneficiary name does not match the accountWDM 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
Prepaid loading and card cash-outCRD
Transaction laundering through merchantsCRD
Human trafficking red flagsCSH P2P CRD
Drug trafficking proceedsCSH
Terrorist financing indicatorsP2P
Bribery and corruption proceedsWDM