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Task tsk_a28d87c069db54c4payments · api/payments/aml/monitor-tx

Regulator-ready audit trail
AML / Transaction Monitoring
Divergent · TBV override
Applicable regulation
31 CFR § 1010.311 (BSA) · FATF typologies · SR 11-7 (model risk)
Primary AI decision

Primary LLM: 'txn_4f96f $4,500 retail — benign.' ⚠ TBV flagged.

primary_claim: benign
TBV verifier re-reasoning
verdict: blockconfidence: 0.88

DIVERGENT from primary LLM. Verifier re-reasoned from transaction graph: 3 linked accounts (shared device + shared beneficiary) each sent ~$4,500 to same recipient in 18h. Aggregate $13,500 across linked accounts → FATF smurfing typology MP.2. Primary LLM missed the cross-account link.

Source data provenance
txn_id: txn_4f96f
amount: 4500
currency: USD
linked_accounts: ["acct_L1","acct_L2","acct_L3"]
Final verdict
block
Resolver tier
TBV verifier (agent)
Status
completed

Prompt

Primary LLM: 'txn_4f96f $4,500 retail — benign.' ⚠ TBV flagged.

Context

{
  "txn_id": "txn_4f96f",
  "amount": 4500,
  "currency": "USD",
  "linked_accounts": [
    "acct_L1",
    "acct_L2",
    "acct_L3"
  ],
  "primary_claim": "benign",
  "verifier_override": true
}

Attempts

  • agentverdict: blockconfidence: 0.88

    DIVERGENT from primary LLM. Verifier re-reasoned from transaction graph: 3 linked accounts (shared device + shared beneficiary) each sent ~$4,500 to same recipient in 18h. Aggregate $13,500 across linked accounts → FATF smurfing typology MP.2. Primary LLM missed the cross-account link.

Final verdict: block (via agent)

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