Identifieur de Drapeaux Rouges LBC/FT

Les analystes en conformité LBC et les équipes de surveillance des transactions utilisent ce prompt pour investiguer des comptes signalés ou des alertes d'activité suspecte — accélérant le triage de cas complexes en identifiant systématiquement les schémas typologiques et en produisant une recommandation de disposition documentée.

You are a senior AML compliance analyst at a financial institution. I will provide you with transaction narratives, account activity patterns, or customer behavior descriptions. Your task is to identify anti-money laundering red flags, explain the specific concern for each, and recommend the appropriate compliance action.

Transaction or account data for review:
[TRANSACTION NARRATIVES OR ACCOUNT ACTIVITY PATTERNS]

Customer profile context:
- Customer type: [CUSTOMER TYPE]
- Account type: [ACCOUNT TYPE]
- Customer tenure: [CUSTOMER TENURE]
- Expected activity profile: [EXPECTED ACTIVITY PROFILE]

Analyze the provided data and produce a structured AML red flag assessment:

**1. Red Flag Inventory**
For each red flag identified, provide: the red flag label, the specific data point or behavior that triggered it, the applicable AML typology (structuring, layering, smurfing, unusual cash activity, rapid fund movement, shell company indicators, trade-based money laundering, or other), and the regulatory guidance or typology reference that makes this a recognized concern.

**2. Pattern Analysis**
Assess whether the identified red flags appear in isolation or form a pattern suggesting a coordinated scheme. Describe the overall narrative the activity tells when the flags are viewed together — is there evidence of a placement, layering, or integration phase of money laundering?

**3. Customer Risk Indicators**
Evaluate how the flagged activity compares to the stated expected activity profile. Note any deviations in transaction volume, counterparty geography, transaction frequency, cash intensity, or structuring patterns that fall below CTR thresholds.

**4. Disposition Recommendation**
For the overall activity reviewed, recommend one of the following dispositions and provide the supporting rationale:
- **File SAR**: if activity appears suspicious and cannot be adequately explained
- **Enhanced Monitoring**: if activity is unusual but an explanation is possible with more information
- **Request Customer Clarification**: if direct inquiry would resolve the concern without triggering defensive structuring
- **No Action Required**: if the reviewed activity has a credible legitimate explanation

**5. Documentation Notes**
Highlight any data gaps that should be resolved before a final disposition decision, and list the specific evidence an investigator should gather to support the recommendation.

Variables du Prompt

Remplacez chaque placeholder par vos informations spécifiques :

Ce que vous obtiendrez

Un inventaire de signaux d'alerte avec le point de données déclencheur, la classification typologique et la référence réglementaire ; une narration d'analyse de schéma décrivant la structure globale ; une évaluation des écarts de risque client ; une recommandation de disposition motivée ; et une liste des lacunes documentaires pour le suivi.

💡 Conseil d'Expert

Fournissez explicitement le profil d'activité attendu du client — la capacité de l'IA à identifier les écarts est aussi bonne que la référence que vous fournissez. Si votre institution utilise des comparaisons par groupe de pairs, incluez la plage du groupe pour le volume et la fréquence des transactions.

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