Each alert is a typology — a laundering pattern — scored from the individual rules that fired. A payment is only blocked when the combined score crosses the typology threshold, which is why a single odd rule does not stop a payment on its own.
Viewing as transaction-manager — dispositions need the AML officer, compliance officer, or supervisor.
Blocked
AML-2026-0312 · 3 Jul, 07:55
A newly opened account receives funds and moves them straight out. Classic layering: the account is a stepping stone, not a destination.
Marek Nowak · to Vostok Holdings Ltd · 2 400.00 EUR
payment APR-104
Typology score
82 / threshold 60
Payment held. It cannot proceed until an AML officer dispositions it.
Likely STR/SAR candidate — escalate to the MLRO for filing assessment.
Review
AML-2026-0311 · 2 Jul, 19:12
Repeated similar amounts landing just under a reporting threshold, which suggests a larger sum deliberately broken up.
Daniel Okonkwo · from Multiple senders (6) · 9 800.00 EUR
payment PMT-77120
Typology score
71 / threshold 60
Payment allowed to proceed, but flagged for analyst review after the fact.
Aggregate against the 24-hour rule before deciding.
Review
AML-2026-0309 · 1 Jul, 10:41
An account with no activity for a long period suddenly moves significant money — a common sign of account takeover or a bought account.
Chloé Bernard · to N. Ferreira · 14 500.00 CAD
payment PMT-77004
Typology score
64 / threshold 60
Payment allowed to proceed, but flagged for analyst review after the fact.
Below threshold
Closed — false positive
AML-2026-0305 · 30 Jun, 08:15
Money arrives and an almost identical amount leaves shortly after, with no economic purpose — pass-through activity.
Astrid Lindqvist · from Northwind Systems Inc · 3 214.00 EUR
payment PMT-76890
Typology score
58 / threshold 60
Scored under the typology threshold. Recorded for pattern history only.