Institution type

What a fintech or digital bank's scenario inventory has to reach

A digital bank has no branch cash, instant rails and a fast-growing customer base, so new-account, mule and scam scenarios matter most, and profile scenarios have little history to compare with.

Channels ticked by default: ACH and direct entry, domestic wires, real-time payments, person-to-person payments, debit and credit cards, prepaid and stored value and online and mobile banking. On those 7 default channels the coverage chart carries 33 typologies and 68 sectors; untick a channel and its column leaves the chart. Read a scenario list as this institution.

Typologies and the channels they apply to

33 typologies, 68 sectors, 7 channels

Typology	Channels offered by default
Cash withdrawn abroad	`CRD`
Rapid movement of funds	`ACH` `WDM` `RTP` `P2P`
Transfers between related accounts	`ACH` `WDM` `RTP` `ONL`
Internal and suspense accounts	`WDM`
Loan paid down from unexplained funds	`ACH` `WDM`
Money mules	`ACH` `RTP` `P2P`
Many-to-one and one-to-many	`ACH` `WDM` `RTP` `P2P`
Shell and front companies	`WDM`
Cross-border activity out of profile	`CRD`
Politically exposed persons	`WDM`
Private banking and high net worth	`WDM`
Money services business customers	`WDM`
High-risk customer segment	`ACH` `WDM`
Charities and non-profits	`ACH`
Dormant account reactivation	`WDM` `RTP`
Activity above the expected profile	`ACH` `WDM`
New accounts with outsized activity	`ACH` `WDM` `RTP` `P2P`
Round amounts	`ACH` `WDM`
Velocity	`RTP` `P2P` `CRD`
Structuring below the funds-transfer recordkeeping line	`WDM`
Sanctions name screening	`ACH` `WDM` `RTP` `P2P`
Comprehensively sanctioned geographies	`ONL`
Missing originator or beneficiary information	`WDM`
Beneficiary name does not match the account	`WDM` `RTP`
Exploitation of older customers	`WDM` `P2P`
Account takeover	`WDM` `RTP` `P2P` `ONL`
Scam payments by the customer	`WDM` `RTP` `P2P`
Business email compromise	`ACH` `WDM`
Prepaid loading and card cash-out	`CRD` `PPD`
Transaction laundering through merchants	`CRD`
Human trafficking red flags	`P2P` `CRD` `PPD`
Terrorist financing indicators	`P2P`
Bribery and corruption proceeds	`WDM`