Money Laundering Typologies Detection Checklist
The AML Typologies Red Flags, All in One Checklist
Placement, layering, integration, plus mules, embezzlement, and sanctions evasion, mapped to what you actually see in the data.
A real pattern can hide in the volume you clear every day
When you work an alert queue, the hard cases rarely arrive labeled. A structuring pattern, a pass-through account, or a sanctions front company looks like ordinary activity until two or three indicators line up on the same customer. Clearing each alert in isolation is exactly how a genuine cluster slips past review, and thin documentation on the alerts you close is what examiners later question.
What is inside the 21-page checklist
Red flags mapped to every stage and every scheme, ready to screen against the account in front of you.
Download
Get instant access to the checklist
How it changes your review
Screen the exact situation in front of you
Because red flags are organized by stage and by scheme, you can jump straight to the indicators that fit the account or transaction you are reviewing.
Apply concrete thresholds on the spot
Flag-count triage tiers, the 80% pass-through ratio, and 24-to-72-hour movement windows give you benchmarks you can act on instead of judgment calls.
Decide when to escalate with confidence
One flag, two to three flags, or four or more each map to a defined action, so a cluster never gets closed as a one-off anomaly.
Leave documentation that survives examination
The checklist covers the escalation and no-file record-keeping that exams scrutinize, not just the detection step.
Grounded in primary sources, not generalities
Every threshold and obligation traces back to a citation you can verify.
Before you download
No. It is a practical detection aid for general informational and educational purposes, and it supplements rather than replaces your firm's AML/CFT framework, internal escalation policies, and legal counsel. Verify citations against current regulations before relying on them.
It is oriented primarily to U.S. requirements as of November 2026, but many red flags apply globally under FATF guidance. Jurisdiction-specific thresholds outside the U.S. are not covered, so confirm local requirements against primary sources.
No. Flag-count escalation tiers and pass-through velocity ratios are internal screening heuristics, not regulatory standards, and should be calibrated to your institution's risk profile and customer segments.
No. It focuses on red-flag detection, escalation, and documentation. It does not cover full KYC onboarding procedures, customer risk-scoring methodology, or OFAC SDN list matching thresholds and tooling.
Daily screening aid