Risk analysis
Risk tierElevated
Model score82 / 100
Key driversVelocity · jurisdiction · PEP touch
ExplainabilityStructured
Queued for reviewYes
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Case workspace
Maria Santos
#AA3CBCE4…
● CRITICALFILE SARFINCEN_USINDIVIDUAL
95/ 100 risk score
Analyst summary
Retail cashier Maria Santos engaged in systematic structuring over 20 days, depositing $57,000 in six cash transactions deliberately kept below the $10,000 CTR threshold ($9,200–$9,800). Funds wire transferred ($58,000) to 'Offshore Holdings Ltd' within 48 hours of final deposit. Transaction volume grossly inconsistent with stated occupation — extrapolates to $1M+ annually vs. $20–30K expected salary. Multiple BSA violations evident under 31 USC 5324.
Risk analysis
Suspicious patterns
Structuring
98%
Six deposits systematically positioned just below the $10,000 CTR reporting threshold over 20 days.
T001T002T003T004T005T006
Rapid fund movement / layering
95%
$58,000 wire transfer to offshore entity within 48 hours of final structured deposit.
T007
Profile inconsistency
92%
Transaction volume extrapolates to $1M+ annually vs. $20–30K expected retail cashier salary.
T001T007
High-risk offshore counterparty
85%
Wire beneficiary 'Offshore Holdings Ltd' exhibits shell company characteristics with no documented business relationship.
T007
Agent chain-of-thought
Reasoning chain
1
Customer profile — retail cashier occupation inconsistent with $57,000 cash volume in 20 days.
2
Transaction velocity — six deposits at regular 3–4 day intervals, mechanical regularity.
3
Structuring detected — all deposits in $9,200–$9,800 range, calibrated below $10,000 CTR threshold.
4
Narrow $600 variance across six transactions confirms intentional calibration, not coincidence.
Human gate
Next step after approveSAR draft agent
AssignmentAML Lead · Analyst
StatusAwaiting approve
SLASame business day
Hard lockDraft blocked until approve
Narrative draft
Report readyNarrative v3 · sections complete
RegenerationAllowed
Last regeneratedToday · 09:41
Audit trail
Recent entriesApprove · SAR regen · SLA note
Actor mixAgents + humans
CoverageEnd-to-end workflow
ExportAudit pack
Full Transparency & Audit
Every action, approval, and section update is fully logged and traceable.
Audit log
Audit transparency
| Timestamp | Case ID | Event type | Actor | Summary | Details |
|---|---|---|---|---|---|
| May 28, 2026, 22:30:06 | c65ee1f8 | SECTION REGENERATED | Sarah Chen AML Analyst | Regenerated filing institution section per reviewer instruction. | Collapse |
| May 28, 2026, 22:30:00 | c65ee1f8 | SAR DRAFTED | Argus Compliance agent | SAR narrative and structured sections generated after human approval. | Details |
| May 28, 2026, 22:22:07 | c65ee1f8 | CASE CREATED | System Automated | Case opened from uploaded transaction batch. | Details |
| May 28, 2026, 22:11:50 | 202ffd18 | HUMAN DECISION | Sarah Chen AML Analyst | Reviewer approved risk output and unlocked SAR drafting. | Details |
| May 28, 2026, 22:01:18 | 202ffd18 | RISK ANALYSIS | Argus Risk agent | Risk tier scored with explainable drivers and pattern summary. | Details |
| May 28, 2026, 22:00:26 | 202ffd18 | CASE CREATED | System Automated | Case opened from alert queue. | Details |
Event detail
SECTION REGENERATEDc65ee1f8
Regenerated filing institution section per reviewer instruction.
- Section
- Filing institution
- Instruction
- Make the filing institution called "Nicette Hospital".
- Previous draft
- Metro General Medical Center
- Draft version
- v3 → v4
Sarah Chen
AML Analyst
