Institution type

What a money transmitter or payments company's scenario inventory has to reach

A payments company moves money in seconds for customers it has seen only online, so velocity, mule and account takeover scenarios carry more of the load, and sanctions screening has to act before release.

Channels ticked by default: ACH and direct entry, domestic wires, international wires, real-time payments, person-to-person payments, debit and credit cards, prepaid and stored value, merchant acquiring, online and mobile banking and foreign exchange. On those 10 default channels the coverage chart carries 39 typologies and 96 sectors; untick a channel and its column leaves the chart. Read a scenario list as this institution.

Typologies and the channels they apply to

39 typologies, 96 sectors, 10 channels

Typology	Channels offered by default
Cash withdrawn abroad	`CRD`
Rapid movement of funds	`ACH` `WDM` `WIN` `RTP` `P2P`
Transfers between related accounts	`ACH` `WDM` `RTP` `ONL`
Internal and suspense accounts	`WDM` `WIN`
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` `WIN`
High-risk jurisdictions	`WIN` `FXC`
Cross-border activity out of profile	`WIN` `CRD`
Trade paid by an unrelated party	`WIN`
Politically exposed persons	`WDM` `WIN`
Private banking and high net worth	`WDM` `WIN`
Money services business customers	`WDM`
High-risk customer segment	`ACH` `WDM` `WIN`
Charities and non-profits	`ACH` `WIN`
Dormant account reactivation	`WDM` `WIN` `RTP`
Activity above the expected profile	`ACH` `WDM` `WIN`
New accounts with outsized activity	`ACH` `WDM` `RTP` `P2P`
Round amounts	`ACH` `WDM` `WIN`
Velocity	`RTP` `P2P` `CRD`
Structuring below the funds-transfer recordkeeping line	`WDM` `WIN`
Sanctions name screening	`ACH` `WDM` `WIN` `RTP` `P2P` `FXC`
Sanctioned ownership and control	`WIN`
Comprehensively sanctioned geographies	`WIN` `ONL`
Sectoral sanctions	`WIN`
Missing originator or beneficiary information	`WDM` `WIN`
Beneficiary name does not match the account	`WDM` `WIN` `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` `WIN`
Prepaid loading and card cash-out	`CRD` `PPD`
Transaction laundering through merchants	`CRD` `MER`
Human trafficking red flags	`P2P` `CRD` `PPD`
Drug trafficking proceeds	`WIN`
Terrorist financing indicators	`WIN` `P2P`
Proliferation financing	`WIN`
Bribery and corruption proceeds	`WDM` `WIN`