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
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