بسم الله الرحمن الرحیم How to identify the suspiciousness about your customer Some special indicators and red-flags to identify the suspicious act of a criminal activity.

The story Our national FIU received a transaction report about Ahmad and Mahmud. Ahmad and Mahmud were both clients at a bank that was located in a region known for organized drug trafficking activity. They both deposited large amounts of cash into a number of different accounts, and then transferred the Funds to other accounts in a neighboring country via inter-bank transfers.

The same address and explanation of cover stories used by two different people The FIU investigated Ahmad and Mahmud. It appeared that they had several accounts at different banks, all located in the same area. Further analysis revealed that Ahmad and Mahmud used the same address and explained their banking activities to their financial institutions with the same cover stories.

Media coverage Investigation by FIU staff also revealed a local newspaper article that had named Ahmad as being part of a drug trafficking ring. At time of writing, the case is still under investigation by national law enforcement agencies and will be remitted to the prosecutor for action when completed. What could be the indicators?

Indicators Large-scale cash transactions. Media coverage of account holders activities. Rapid inter-bank transfer with little explanation.