Account transactions that are inconsistent with past deposits or withdrawals such as cash, cheques, wire transfers, etc.
Transactions involving a high volume of incoming or outgoing wire transfers, with no logical or apparent purpose that come from, go to, or transit through locations of concern that is sanctioned countries, non-cooperative nations and sympathizer nations.
Unexplainable clearing or negotiation of third party cheques and their deposits in foreign bank accounts.
Structuring at multiple branches or the same branch with multiple activities.
Corporate layering, transfers between bank accounts of related entities or charities for no apparent reasons.
Periodic transfers made by several people to the same beneficiary or related persons.
Lack of apparent fund raising activity, for example a lack of small cheques or typical donations associated with charitable bank deposits.
Using multiple accounts to collect funds that are then transferred to the same foreign beneficiaries
Transactions with no logical economic purpose, that is, no link between the activity of the organization and other parties involved in the transaction.
Overlapping corporate officers, bank signatories, or other identifiable similarities associated with addresses, references and financial activities.
Cash debiting schemes in which deposits in the US correlate directly with ATM withdrawals in countries of concern. Reverse transactions of this nature are also suspicious.
Issuing cheques, money orders or other financial instruments, often numbered sequentially, to the same person or business, or to a person or business whose name is spelled similarly.
Transfers over a short period of time of low amount that together represent a large sum of money.
Mismatch between the economic activity, country of origin, or person and the money remittance received.
Sudden inflow of funds in cash followed by sudden outflow through financial instruments such as drafts and cheques.
