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 submit loan application materials—financial statements, credit reports, business plans, and collateral documentation—and receive a structured underwriting memorandum that assesses creditworthiness across institutional standards. Claude extracts key financial metrics, calculates debt service coverage ratios, identifies material risk factors, and documents lending recommendations with rationale suitable for credit committee review and regulatory examination.
by eternaljust
Conduct thorough, documented customer risk assessments using structured compliance decision trees aligned with FinCEN, OFAC, and BSA standards. You'll evaluate customer information, identify regulatory red flags, determine appropriate risk classifications, and generate audit-ready documentation that demonstrates defensible decision-making during regulatory examinations. This skill accelerates due diligence while reducing compliance gaps and creating the paper trail regulators expect.
by eternaljust
This skill guides you through SAR preparation with structured compliance validation, ensuring your filings meet FinCEN requirements and withstand regulatory examination. You'll validate mandatory fields, risk-score transactions against BSA/AML thresholds, document investigation procedures for audit defensibility, and cross-check against common rejection reasons that delay filing. The skill helps you align documentation across Operations, Risk, Compliance, and Legal teams to ensure timely, accurate SAR submission within the 30/60-day timeline.
by eternaljust
You can conduct multi-source sanctions screening on customers, counterparties, and beneficial owners; assess regulatory risk for complex transaction scenarios; determine Enhanced Due Diligence (EDD) necessity; and document compliance findings with reasoning that withstands OFAC enforcement scrutiny. The skill integrates customer due diligence protocols, sanctions jurisdiction analysis, and transaction authorization logic to streamline BSA/AML decision-making.
by eternaljust
Systematically identify chart patterns and validate them using technical confluence scoring. You get actionable trade setups with entry/exit levels and risk/reward analysis based on multiple indicator confirmation. Filter false signals and improve your trade quality by combining technical indicators in a disciplined framework.
by eternaljust
You can systematically evaluate customer risk profiles using a consistent methodology that integrates beneficial ownership verification, customer intelligence gathering, and risk scoring. The framework guides you through determining whether baseline CDD or enhanced due diligence is required, documents your decision rationale in audit-trail format, and generates compliance-ready files that satisfy regulatory examination standards.
by eternaljust
You can rapidly process consumer loan applications by analyzing creditworthiness across multiple dimensions—debt ratios, credit patterns, employment stability, and compensating factors—while documenting decisions for audit trails and fair lending compliance. The skill identifies red flags, calculates risk scores, and produces underwriting summaries that justify approval or denial decisions to compliance teams and loan committees.
by eternaljust
You can apply a structured risk assessment framework to transaction alerts, consistently scoring suspicious activity against regulatory expectations and internal thresholds. Claude helps you triage alerts efficiently, document decision rationale for examination readiness, and classify activity by risk level to prioritize investigations and determine SAR filing obligations while minimizing time spent on false positives.
by eternaljust