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Task tsk_d036ec561815cd45payments · api/payments/aml/monitor-tx

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

Primary LLM: 'ambiguous layering pattern across 3 intermediate accounts — needs review.'

primary_claim: ambiguous
TBV verifier re-reasoning
verdict: blockconfidence: 0.91

FATF layering typology ML.2: 3+ intermediate accounts with no apparent business purpose, ending at offshore beneficiary. Confirmed via human review.

Source data provenance
txn_id: txn_4f97g
intermediate_hops: 3
final_beneficiary: acct_OFS_2211
Final verdict
block
Resolver tier
Human reviewer
Status
completed
Human review note

Human confirmed: layering pattern with offshore terminal beneficiary. SAR filed.

Prompt

Primary LLM: 'ambiguous layering pattern across 3 intermediate accounts — needs review.'

Context

{
  "txn_id": "txn_4f97g",
  "intermediate_hops": 3,
  "final_beneficiary": "acct_OFS_2211",
  "primary_claim": "ambiguous"
}

Attempts

  • agentverdict: blockconfidence: 0.91

    FATF layering typology ML.2: 3+ intermediate accounts with no apparent business purpose, ending at offshore beneficiary. Confirmed via human review.

  • humanverdict: blockconfidence: 1.00

    Human confirmed: layering pattern with offshore terminal beneficiary. SAR filed.

Final verdict: block (via human)

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