AML Transaction Pattern Analyzer
Analyze transaction patterns for AML compliance and generate SAR documentation
What You Can Do
You can analyze transaction patterns across 90-180 day windows, calculate risk scores based on regulatory frameworks (FinCEN, OCC, Fed guidance), and detect behavioral anomalies that suggest structuring, layering, or placement activity. Claude generates defensible suspicious activity documentation and supports your SAR filing decisions with evidence-based contextual analysis rather than rule-matching alone.
Features
quantify suspicious activity likelihood using transaction metrics and behavioral baselines
identify deviations from customer baseline activity patterns that trigger enhanced review
produce regulatory-aligned suspicious activity reports with supporting analysis
categorize activity as structuring, layering, placement, or legitimate variance with probability scores
evaluate transaction sequences, velocity, counterparty relationships, and customer profile alignment
specialized evaluation for PEPs, OFAC-adjacent accounts, and bulk cash handlers
cross-reference analysis against FinCEN guidance, OCC bulletins, and Federal Reserve requirements
structure findings to support EDD decisions and customer remediation strategies
Example Output
Example 1: Structuring Detection
Customer profile: Retail merchandise importer, $50K-75K monthly baseline
Transaction pattern: Four deposits of $9,800 (just below $10K threshold) on consecutive business days, followed by two days of no activity
Analysis output:
- Risk score: 8.2/10 (high)
- Primary concern: Structuring (deliberate threshold avoidance)
- Supporting evidence: (1) deposits consistently below reporting threshold, (2) tight temporal clustering, (3) deviation from baseline deposit patterns, (4) counterparties lack documented business relationship
- Recommendation: SAR filing warranted; consider EDD and account monitoring
Example 2: Layering Activity
Customer profile: Service business, $120K-150K monthly revenue
Transaction pattern: Incoming wire transfers ($50K-75K) immediately re-wired to shell company accounts in high-risk jurisdictions, with 70% markup applied
Analysis output:
- Risk score: 9.1/10 (very high)
- Primary concern: Layering/value transfer (classic AMLCFT indicator)
- Supporting evidence: (1) rapid fund movement pattern (24-48hr cycles), (2) counterparties have minimal business footprint, (3) markup suggests value obfuscation, (4) destination jurisdictions align with FinCEN advisories
- Recommendation: Immediate SAR filing; escalate for possible TF/sanctions nexus review
What's Included
- SKILL.md instruction file with compliance frameworks and pattern classification guidelines:
- Transaction review template with baseline calculation worksheet:
- Risk-scoring matrix calibrated to FinCEN Suspicious Activity typologies:
- SAR documentation framework with regulatory-aligned evidence sections:
- High-risk customer segment checklist (PEPs, OFAC-adjacent, bulk cash handlers):
- Behavioral anomaly reference guide with real-world ML-detected patterns:
Who It's For
- BSA/AML Officers and Compliance Specialists conducting transaction monitoring and SAR reviews
- Bank Compliance Managers preparing for regulatory examinations and audit support
- Risk Management teams evaluating transaction monitoring rule adequacy
- Financial Crime Analysts investigating customer escalations and behavioral patterns
- Chief Compliance Officers documenting defensible AML decision-making processes
Best For
- 90-180 day transaction history reviews for suspected structuring, layering, or placement
- SAR filing preparation and documentation with regulatory-aligned evidence
- Behavioral baseline establishment and anomaly flagging for high-risk customers
- Enhanced due diligence support for PEPs, sanctions-adjacent, and bulk cash handler accounts
- Transaction monitoring rule testing and regulatory framework alignment assessment
You might also like
You can analyze entire Android Jetpack Compose codebases or specific modules to uncover architectural and performance issues. The skill scans your source code against four critical categories—performance, state management, side effects, and composable API quality—scoring each from 0–10 and delivering an evidence-based markdown report that prioritizes the most impactful fixes first.
by eternaljust
You can map regulatory requirements against your institution's filings, identify compliance gaps with specificity, and generate structured remediation plans with timelines and accountability assignments. Claude helps you create audit-ready documentation that demonstrates systematic control adherence, reducing manual review time and ensuring consistent compliance assessment across complex banking regulations.
by eternaljust
You can conduct comprehensive wealth structure reviews that evaluate tax efficiency across jurisdictions, identify asset protection gaps, and align structures with succession and legacy objectives. The skill helps you map existing entity layers, spot redundancies, model optimization scenarios, and present data-driven recommendations that balance regulatory compliance with client risk tolerance and control preferences.
by eternaljust
This skill systematically reviews multi-document SBA loan applications against program-specific compliance standards. You can cross-reference personal financial statements, tax returns, and business financials for consistency; verify all required forms are present and completed; flag missing collateral documentation; and identify eligibility issues—all before sending applications to the SBA for guarantee review. By catching deficiencies early, you eliminate costly resubmissions and accelerate funding timelines.
by eternaljust
You get proven templates, decision trees, and frameworks to design complete business automation systems from scratch. Cut implementation time by 70%, reduce manual work by 80%, and build processes that scale across your entire organization without custom coding or guesswork.
by eternaljust
Analyze transaction networks, corporate structures, and beneficial ownership relationships to uncover indirect sanctions exposure and evasion methodologies. You can flag structuring patterns, shell entity networks, trade-based money laundering indicators, and entity relationship anomalies that standard list-matching tools miss. The skill helps you prioritize cases for enhanced due diligence and escalation by identifying geographic, sectoral, and transactional red flags consistent with known sanctions evasion tactics.
by eternaljust
You systematically evaluate consumer credit applications by synthesizing credit reports, income documentation, employment history, and behavioral indicators into quantified risk assessments. The framework generates defensible approval/decline recommendations tiered by risk level (prime, near-prime, subprime), incorporates Fair Lending Act compliance checks, and documents decisions that withstand regulatory examination and customer appeals.
by eternaljust
You can conduct rapid, systematic compliance reviews of conventional loan files that catch document defects, missing signatures, inconsistent data, and guideline violations before closing. The skill combines automated pattern recognition with structured checklists to prioritize high-risk defect categories and cross-validate data across documents, helping you prevent delays and securitization issues.
by eternaljust