AML Benchmark Results

AI Reliability for AML Alert Triage · October 2026 · 82 alerts, 8 configurations

Each alert was processed once by each configuration: the Thunk.AI workflow and a single AI step ("without Thunk.AI"), on each model. This page lists every alert's category in every configuration, then, for each alert, every check and its result, with the grader's explanation for each failed check. The benchmark, its rules and its expected results are at github.com/ThunkAI/aml-benchmark.

Summary

gpt-5.1 · with Thunk.AIgpt-5.1 · without Thunk.AIgemini-3.5-flash · with Thunk.AIgemini-3.5-flash · without Thunk.AImistral-medium-3 · with Thunk.AImistral-medium-3 · without Thunk.AIgpt-5-mini · with Thunk.AIgpt-5-mini · without Thunk.AI
Weighted Score99.7%80.9%100.0%91.4%99.4%78.2%100.0%68.8%
Correct dispositions (of 82)8144826581378225
✅ Correct disposition, correct details812781607621820
🟡 Correct disposition, some wrong details01715516025
🟠 Unnecessary escalation13109138040
🔴 Safety error04050700
⚪ Did not finish030300017
SARs drafted where required (of 27)2725272227212722
Cost per alert (list price)$0.313$0.149$0.278$0.086$0.167$0.059$0.030$0.007
Median time per alert103 s64 s126 s48 s537 s ¹213 s ¹122 s39 s

Costs are at each model's standard list price: no flex-tier discount. For mistral-medium-3 and gpt-5-mini, cost and time are averaged over the alerts that ran once from start to finish. ¹ mistral-medium-3's times are inflated by throttling at the model provider, which limited how many requests it would serve at once; they do not reflect the model's speed. A single-step result that was not valid JSON as a whole is read up to its first malformed member.

Alert by alert

The category, the alert's score out of 100, the failure, and how many checks failed. Select an alert for its checks.

AlertWhat it testsgpt-5.1 · with Thunk.AIgpt-5.1 · without Thunk.AIgemini-3.5-flash · with Thunk.AIgemini-3.5-flash · without Thunk.AImistral-medium-3 · with Thunk.AImistral-medium-3 · without Thunk.AIgpt-5-mini · with Thunk.AIgpt-5-mini · without Thunk.AI
0901Four cash deposits of $9,400-$9,900 on four consecutive days by an individual.✅ 100✅ 100✅ 100✅ 100✅ 100✅ 100✅ 100🟡 94 · 3 failed
0902A restaurant with documented cash sales splits deposits below $10,000: structuring is never explained away.✅ 100✅ 100✅ 100🟡 98 · 1 failed✅ 100✅ 100✅ 100🟡 98 · 1 failed
0903An importer wires money to a counterparty in Iran, a comprehensively sanctioned jurisdiction.✅ 100✅ 100✅ 100✅ 100✅ 100🟡 90 · 5 failed✅ 100🟡 88 · 6 failed
0904Funds from the UAE are moved on to a Cayman Islands company the next day.✅ 100🟡 96 · 2 failed✅ 100✅ 100✅ 100🔴 34 · missed SAR · 9 failed✅ 100🟡 98 · 1 failed
0905A large inbound wire is split the same day and next into three wires to three European jurisdictions.✅ 100🟡 96 · 2 failed✅ 100✅ 100✅ 100🟡 94 · 3 failed✅ 100⚪ 60 · did not finish
0906A PEP with no documented source of funds receives far more than their annual income.✅ 100🟡 94 · 3 failed✅ 100✅ 100✅ 100✅ 100✅ 100🟡 94 · 3 failed
0907A real estate company with a SAR filed 15 months ago wires money to Russia.✅ 100🟡 94 · 3 failed✅ 100✅ 100✅ 100✅ 100✅ 100🟡 90 · 5 failed
0908A shipping company pays a Panama trading company while its volume is 2.4 times its peers'.✅ 100✅ 100✅ 100✅ 100✅ 100🔴 40 · missed SAR · 6 failed✅ 100🟡 90 · 5 failed
0909Five transfers in from different people are sent on to a UAE exchange house the next day.✅ 100🔴 34 · missed SAR · 9 failed✅ 100✅ 100✅ 100🟡 86 · 7 failed✅ 100🟡 94 · 3 failed
0910Two wires to an individual in Myanmar; nothing else is unusual.✅ 100🟠 59 · unnecessary SAR · 9 failed✅ 100✅ 100✅ 100✅ 100✅ 100⚪ 60 · did not finish
0911A car wash's cash deposits (all over $10,000) put it at 2.3 times its peers.✅ 100⚪ 60 · did not finish✅ 100✅ 100✅ 100✅ 100✅ 100🟡 98 · 1 failed
0912An equipment company with a SAR 18 months ago pays its documented German supplier.✅ 100🟠 61 · unnecessary SAR · 8 failed✅ 100✅ 100✅ 100🟠 65 · unnecessary SAR · 6 failed✅ 100🟠 55 · unnecessary SAR · 11 failed
0913A documented inheritance explains a large inflow; a wire to Venezuela is the one unexplained flag.✅ 100✅ 100✅ 100✅ 100🟠 59 · unnecessary SAR · 9 failed🟡 94 · 3 failed✅ 100🟠 59 · unnecessary SAR · 9 failed
0914A PEP with no documented source of funds receives an amount consistent with their income.✅ 100✅ 100✅ 100✅ 100✅ 100🟠 65 · unnecessary SAR · 6 failed✅ 100🟠 63 · unnecessary SAR · 7 failed
0915Two cash deposits just under $10,000 (only two, so not structuring) exceed a student's annual income.✅ 100🟠 59 · unnecessary SAR · 9 failed✅ 100✅ 100✅ 100🟠 59 · unnecessary SAR · 9 failed✅ 100🟠 57 · unnecessary SAR · 10 failed
0916A SAR filed 34 months ago is too old to count; wires to Venezuela are the one flag.✅ 100🟠 61 · unnecessary SAR · 8 failed✅ 100✅ 100✅ 100🟠 59 · unnecessary SAR · 9 failed✅ 100🟠 53 · unnecessary SAR · 12 failed
0917A contractor receives a client payment and pays most of it on to a supplier the next day.✅ 100🟡 96 · 2 failed✅ 100✅ 100🟡 98 · 1 failed✅ 100✅ 100🟠 61 · unnecessary SAR · 8 failed
0918One cash deposit of $12,500 (reported on a CTR): not structuring, nothing else unusual.✅ 100✅ 100✅ 100✅ 100✅ 100🟠 79 · monitored, should be cleared · 4 failed✅ 100🟠 57 · unnecessary SAR · 10 failed
0919Three cash deposits, all under $8,000: the structuring rule fired, but no red flag is raised.✅ 100🟠 59 · unnecessary SAR · 9 failed✅ 100✅ 100✅ 100🟠 59 · unnecessary SAR · 9 failed✅ 100🟠 57 · unnecessary SAR · 10 failed
0920A former minister receives proceeds of a documented property sale.🟠 79 · monitored, should be cleared · 4 failed🟠 77 · monitored, should be cleared · 5 failed✅ 100✅ 100✅ 100🟡 96 · 2 failed✅ 100🟠 57 · unnecessary SAR · 10 failed
0921A High risk-rated customer pays its documented German supplier: risk rating alone is not a red flag.✅ 100✅ 100✅ 100✅ 100✅ 100🟠 79 · monitored, should be cleared · 4 failed✅ 100🟠 55 · unnecessary SAR · 11 failed
0922A toy shop's seasonal cash volume (2.4 times its peers) was verified in a false-positive case last January.✅ 100🟡 94 · 3 failed✅ 100✅ 100✅ 100🟡 96 · 2 failed✅ 100⚪ 60 · did not finish
0923One of three listed deposits is on another customer's account; the two that remain are not structuring.✅ 100🟠 61 · unnecessary SAR · 8 failed✅ 100✅ 100🟡 98 · 1 failed🟠 57 · unnecessary SAR · 10 failed✅ 100🟠 55 · unnecessary SAR · 11 failed
0924Subscriptions to a Cayman Islands fund are documented on the customer's record.✅ 100🟠 77 · monitored, should be cleared · 5 failed✅ 100✅ 100✅ 100🟠 79 · monitored, should be cleared · 4 failed✅ 100🟠 55 · unnecessary SAR · 11 failed
0925Small purchases at a US cryptocurrency exchange: crypto use alone is not a red flag.✅ 100✅ 100✅ 100✅ 100✅ 100🟠 79 · monitored, should be cleared · 4 failed✅ 100⚪ 60 · did not finish
0926Three deposits of $8,000.00, $9,999.99 and $8,500 on the first, third and fifth of five consecutive days.✅ 100✅ 100✅ 100✅ 100✅ 100✅ 100✅ 100🟡 94 · 3 failed
0927The alert lists two deposits in the range; a third, unlisted deposit two days earlier completes structuring.✅ 100✅ 100✅ 100✅ 100✅ 100✅ 100✅ 100🟡 98 · 1 failed
0928A customer whose sanctions flag is Yes makes small domestic payments.✅ 100✅ 100✅ 100✅ 100✅ 100✅ 100✅ 100⚪ 60 · did not finish
0929A $450 wire to North Korea.✅ 100✅ 100✅ 100✅ 100✅ 100✅ 100✅ 100⚪ 60 · did not finish
0930An NGO's documented relief grant goes to Syria, which is no longer on either jurisdiction list.✅ 100🟠 61 · unnecessary SAR · 8 failed✅ 100⚪ 85 · did not finish✅ 100🟠 79 · monitored, should be cleared · 4 failed✅ 100🟠 57 · unnecessary SAR · 10 failed
0931A travel agency pays a Cuban hotel group.✅ 100✅ 100✅ 100✅ 100✅ 100🟡 94 · 3 failed✅ 100🟡 88 · 6 failed
0932A teacher wires more than a year's income to a British Virgin Islands company.✅ 100✅ 100✅ 100✅ 100✅ 100🔴 32 · missed SAR · 10 failed✅ 100⚪ 60 · did not finish
0933A SAR 23 months ago, and funds received and sent on within two days.✅ 100🟡 94 · 3 failed✅ 100✅ 100✅ 100✅ 100✅ 100🟡 88 · 6 failed
0934A PEP with no documented source of funds wires money to the Seychelles.✅ 100🟡 92 · 4 failed✅ 100⚪ 85 · did not finish✅ 100✅ 100✅ 100🟡 90 · 5 failed
0935Exactly 80% of a receipt is sent on within two days, and volume is exactly 2.0 times the peers'.✅ 100✅ 100✅ 100🔴 34 · missed SAR · 9 failed✅ 100✅ 100✅ 100🟡 92 · 4 failed
0936An incoming and an outgoing wire, each below income, add up to more than income; one goes to Belize.✅ 100🟡 90 · 5 failed✅ 100🔴 34 · missed SAR · 9 failed✅ 100🔴 36 · missed SAR · 8 failed✅ 100⚪ 60 · did not finish
0937A documented Panama supplier explains one flag; volume above peers and a recent SAR remain.✅ 100🟡 94 · 3 failed✅ 100🔴 36 · missed SAR · 8 failed✅ 100🟡 96 · 2 failed✅ 100🟡 88 · 6 failed
0938Four deposits in the range around one deposit over $10,000.✅ 100✅ 100✅ 100✅ 100✅ 100🟡 92 · 4 failed✅ 100🟡 96 · 2 failed
0939A large inflow is labelled INHERITANCE only in its memo; a wire goes to Haiti.✅ 100✅ 100✅ 100✅ 100✅ 100🟡 94 · 3 failed✅ 100🟡 88 · 6 failed
0940A false-positive case 14 months ago covered the customer's volume; a wire goes to Russia.✅ 100🟡 96 · 2 failed✅ 100✅ 100✅ 100🔴 38 · missed SAR · 7 failed✅ 100🟡 86 · 7 failed
0941The KYC record documents a Cayman fund, but the wire goes to a different Cayman company.✅ 100🟡 96 · 2 failed✅ 100🔴 34 · missed SAR · 9 failed✅ 100✅ 100✅ 100🟡 94 · 3 failed
0942Peer transfers in are sent on the next day to a crypto exchange in the Seychelles.✅ 100🟡 94 · 3 failed✅ 100✅ 100✅ 100🔴 34 · missed SAR · 9 failed✅ 100🟡 92 · 4 failed
0943Three deposits in the range spread over six days exceed a student's income.✅ 100🟠 59 · unnecessary SAR · 9 failed✅ 100🟠 59 · unnecessary SAR · 9 failed✅ 100🟠 59 · unnecessary SAR · 9 failed✅ 100🟠 57 · unnecessary SAR · 10 failed
0944Deposits of $9,500, $10,000 and $9,800 in three days; volume is 2.1 times the peers'.✅ 100🟠 59 · unnecessary SAR · 9 failed✅ 100✅ 100✅ 100🟠 59 · unnecessary SAR · 9 failed✅ 100🟠 55 · unnecessary SAR · 11 failed
0945Deposits of $7,999.99, $8,200 and $9,100; a SAR 20 months ago.✅ 100🟠 59 · unnecessary SAR · 9 failed✅ 100🟠 59 · unnecessary SAR · 9 failed✅ 100🟠 59 · unnecessary SAR · 9 failed✅ 100🟠 55 · unnecessary SAR · 11 failed
094679% of a receipt is sent on within two days, to Yemen.✅ 100✅ 100✅ 100🟠 59 · unnecessary SAR · 9 failed✅ 100🟡 94 · 3 failed✅ 100🟠 55 · unnecessary SAR · 11 failed
0947Funds are received and mostly sent on four days later; volume is 2.2 times the peers'.✅ 100🟠 59 · unnecessary SAR · 9 failed✅ 100✅ 100✅ 100🟠 59 · unnecessary SAR · 9 failed✅ 100⚪ 60 · did not finish
0948A wire to Belize for exactly the customer's annual income.✅ 100🟠 63 · unnecessary SAR · 7 failed✅ 100🟠 59 · unnecessary SAR · 9 failed✅ 100🟡 94 · 3 failed✅ 100⚪ 60 · did not finish
0949A SAR 25 months ago, and funds received and sent on the next day.✅ 100🟡 96 · 2 failed✅ 100⚪ 60 · did not finish✅ 100🟠 59 · unnecessary SAR · 9 failed✅ 100🟠 55 · unnecessary SAR · 11 failed
0950A title agent's documented escrow flow explains a pass-through; a SAR 10 months ago remains.✅ 100⚪ 60 · did not finish✅ 100🔴 46 · cleared, should be monitored · 3 failed✅ 100🟠 59 · unnecessary SAR · 9 failed✅ 100🟠 55 · unnecessary SAR · 11 failed
0951A PEP with a documented source of funds (salary) runs at 2.3 times the peers' volume.✅ 100🟠 59 · unnecessary SAR · 9 failed✅ 100✅ 100✅ 100✅ 100✅ 100🟠 57 · unnecessary SAR · 10 failed
0952An old, unlisted wire went to Cuba; the alerted wire goes to Haiti.✅ 100🟠 59 · unnecessary SAR · 9 failed✅ 100✅ 100✅ 100✅ 100✅ 100🟠 63 · unnecessary SAR · 7 failed
0953The listed Myanmar wire is on another customer's account; volume is 2.5 times the peers'.✅ 100🟠 57 · unnecessary SAR · 10 failed✅ 100✅ 100🟡 98 · 1 failed🟡 92 · 4 failed✅ 100🟠 59 · unnecessary SAR · 9 failed
0954Regular purchases at a US crypto exchange put volume at exactly 2.0 times the peers'.✅ 100✅ 100✅ 100✅ 100✅ 100🟡 94 · 3 failed✅ 100🟠 55 · unnecessary SAR · 11 failed
0955SARs 30 and 26 months ago are both too old; a wire goes to Venezuela.✅ 100🟠 59 · unnecessary SAR · 9 failed✅ 100✅ 100✅ 100🟠 59 · unnecessary SAR · 9 failed✅ 100🟠 59 · unnecessary SAR · 9 failed
0956An old unlisted pass-through; the alerted wire goes to Russia.✅ 100✅ 100✅ 100✅ 100✅ 100✅ 100✅ 100🟠 57 · unnecessary SAR · 10 failed
0957A business with a SAR six months ago pays a domestic supplier.✅ 100🟠 63 · unnecessary SAR · 7 failed✅ 100✅ 100✅ 100🟠 65 · unnecessary SAR · 6 failed✅ 100🟠 57 · unnecessary SAR · 10 failed
0958A false-positive case 11 months ago verified the seasonal volume; a wire goes to Belize.✅ 100🟠 59 · unnecessary SAR · 9 failed✅ 100✅ 100✅ 100🔴 44 · cleared, should be monitored · 4 failed✅ 100⚪ 60 · did not finish
0959Three cash deposits over $10,000 add up to more than income.✅ 100🟠 65 · unnecessary SAR · 6 failed✅ 100🟠 65 · unnecessary SAR · 6 failed✅ 100🟠 59 · unnecessary SAR · 9 failed✅ 100⚪ 60 · did not finish
0960Proceeds of a documented business sale exceed the customer's income.✅ 100🟠 79 · monitored, should be cleared · 4 failed✅ 100🟠 83 · monitored, should be cleared · 2 failed✅ 100🟠 79 · monitored, should be cleared · 4 failed✅ 100🟡 98 · 1 failed
0961Three deposits in the range, but never three within 5 days.✅ 100🟠 59 · unnecessary SAR · 9 failed✅ 100🟠 59 · unnecessary SAR · 9 failed✅ 100🟠 59 · unnecessary SAR · 9 failed✅ 100⚪ 60 · did not finish
0962A large wire to the United Arab Emirates, which is not on either list.✅ 100🟠 77 · monitored, should be cleared · 5 failed✅ 100✅ 100✅ 100🟠 59 · unnecessary SAR · 9 failed✅ 100🟠 57 · unnecessary SAR · 10 failed
0963A PEP with a documented source of funds receives an amount well within income.✅ 100✅ 100✅ 100✅ 100✅ 100🟡 96 · 2 failed✅ 100⚪ 60 · did not finish
0964A High risk-rated customer with old false-positive cases makes an ordinary payment.✅ 100✅ 100✅ 100✅ 100✅ 100🟠 73 · monitored, should be cleared · 7 failed✅ 100🟠 59 · unnecessary SAR · 9 failed
0965The only concern is a SAR filed 26 months ago.✅ 100🟠 79 · monitored, should be cleared · 4 failed✅ 100✅ 100✅ 100🟠 79 · monitored, should be cleared · 4 failed✅ 100🟠 59 · unnecessary SAR · 9 failed
0966The listed Iran wire is on another customer's account; the rest is ordinary.✅ 100✅ 100✅ 100✅ 100🟡 98 · 1 failed🟠 77 · monitored, should be cleared · 5 failed✅ 100⚪ 60 · did not finish
0967A payroll processor's documented business explains a pass-through.✅ 100🟡 98 · 1 failed✅ 100✅ 100✅ 100🟠 79 · monitored, should be cleared · 4 failed✅ 100⚪ 60 · did not finish
0968Deposits of $10,000, $10,000 and $9,999 within three days.✅ 100🟠 59 · unnecessary SAR · 9 failed✅ 100🟡 98 · 1 failed✅ 100🟠 59 · unnecessary SAR · 9 failed✅ 100🟠 59 · unnecessary SAR · 9 failed
0969Alerted wires add up to exactly the customer's annual income.✅ 100🟡 96 · 2 failed✅ 100🟠 79 · monitored, should be cleared · 4 failed✅ 100🟠 73 · monitored, should be cleared · 7 failed✅ 100⚪ 60 · did not finish
0970Volume is 1.99 times the peers' average.✅ 100🟠 79 · monitored, should be cleared · 4 failed✅ 100✅ 100✅ 100🟠 79 · monitored, should be cleared · 4 failed✅ 100🟠 77 · monitored, should be cleared · 5 failed
0971A documented Cayman fund subscription and a SAR 25 months ago.✅ 100🟠 57 · unnecessary SAR · 10 failed✅ 100✅ 100✅ 100🟠 57 · unnecessary SAR · 10 failed✅ 100🟠 57 · unnecessary SAR · 10 failed
0972Four cash deposits of $7,500 in four days.✅ 100🟠 59 · unnecessary SAR · 9 failed✅ 100✅ 100✅ 100🟠 59 · unnecessary SAR · 9 failed✅ 100🟠 59 · unnecessary SAR · 9 failed
0973Family remittances to Mexico and the Philippines.✅ 100🟠 79 · monitored, should be cleared · 4 failed✅ 100✅ 100✅ 100🟠 77 · monitored, should be cleared · 5 failed✅ 100🟠 57 · unnecessary SAR · 10 failed
0974Large purchases at a US crypto exchange, within income.✅ 100✅ 100✅ 100✅ 100✅ 100🟠 79 · monitored, should be cleared · 4 failed✅ 100🟠 55 · unnecessary SAR · 11 failed
0975One listed transaction does not exist; the other is an ordinary domestic payment.✅ 100✅ 100✅ 100🟡 98 · 1 failed✅ 100🟠 79 · monitored, should be cleared · 4 failed✅ 100🟡 96 · 2 failed
0976The only concern is a SAR filed exactly 24 months before the alert.✅ 100🟠 59 · unnecessary SAR · 9 failed✅ 100✅ 100✅ 100🟠 65 · unnecessary SAR · 6 failed✅ 100🟠 59 · unnecessary SAR · 9 failed
0977A farm's autumn-season volume (2.2 times its peers) was verified in a false-positive case closed exactly one year earlier.✅ 100⚪ 60 · did not finish✅ 100✅ 100✅ 100✅ 100✅ 100🟠 59 · unnecessary SAR · 9 failed
0978A coffee importer pays its documented Panama supplier, but far more than the documented range.✅ 100🔴 44 · cleared, should be monitored · 4 failed✅ 100🟠 65 · unnecessary SAR · 6 failed✅ 100✅ 100✅ 100🟠 59 · unnecessary SAR · 9 failed
0979One listed wire is on another customer's account; counting it would push the total over income.✅ 100✅ 100🟡 98 · 1 failed🟡 98 · 1 failed🟡 98 · 1 failed🟠 77 · monitored, should be cleared · 5 failed✅ 100🟠 55 · unnecessary SAR · 11 failed
0980Two cash deposits over $10,000 are wired on to a car auction the next day.✅ 100🔴 44 · cleared, should be monitored · 4 failed✅ 100✅ 100✅ 100🟠 59 · unnecessary SAR · 9 failed✅ 100🟠 57 · unnecessary SAR · 10 failed
0981Structuring with an alert on the last day of August.✅ 100🟡 94 · 3 failed✅ 100🟡 98 · 1 failed✅ 100✅ 100✅ 100🟡 94 · 3 failed
0982A customer whose sanctions flag is Yes receives rent that is fully documented on the KYC record.✅ 100🔴 40 · missed SAR · 6 failed✅ 100✅ 100✅ 100🟡 92 · 4 failed✅ 100🟡 88 · 6 failed

Every check, alert by alert

✅ passed · ❌ failed, with the grader's explanation of what the result says · ⚪ the workflow did not finish.

0901 · 01_structuring_classic

Four cash deposits of $9,400-$9,900 on four consecutive days by an individual.

Structuring Detection (RULE003) · alert date 2026-09-02 · customer C-30101 · transactions TXN-70142,TXN-70149,TXN-70156,TXN-70163 · expected: Red, SAR due 2026-10-02

Checkgpt-5.1 · with Thunk.AIgpt-5.1 · without Thunk.AIgemini-3.5-flash · with Thunk.AIgemini-3.5-flash · without Thunk.AImistral-medium-3 · with Thunk.AImistral-medium-3 · without Thunk.AIgpt-5-mini · with Thunk.AIgpt-5-mini · without Thunk.AI
DispositionRecommendation is Red✅✅✅✅✅✅✅✅
AlertDate is 2026-09-02✅✅✅✅✅✅✅✅
AlertTransactions holds TXN-70142 (on the customer's account), TXN-70149 (on the customer's account), TXN-70156 (on the customer's account), TXN-70163 (on the customer's account)✅✅✅✅✅✅✅✅
DataIssueTransactionIds is empty✅✅✅✅✅✅✅✅
CustomerType is Individual✅✅✅✅✅✅✅✅
AnnualIncomeUSD is 68000✅✅✅✅✅✅✅✅
RiskRating is Medium✅✅✅✅✅✅✅✅
IsPEP is No✅✅✅✅✅✅✅✅
SourceOfFundsDocumented is No✅✅✅✅✅✅✅✅
SanctionsFlag is No✅✅✅✅✅✅✅✅
VolumeVsPeerRatio is 1.3✅✅✅✅✅✅✅❌ Row does not match the condition.
PriorSARFilingDates is empty✅✅✅✅✅✅✅✅
RecentTransactions holds all 9 transactions on the customer's account✅✅✅✅✅✅✅✅
RedFlagsRaised is A✅✅✅✅✅✅✅✅
UnexplainedFlags is A✅✅✅✅✅✅✅✅
ExplainedFlags is empty✅✅✅✅✅✅✅✅
Typology is Structuring✅❌ Row does not match the condition.✅❌ Row does not match the condition.✅✅✅❌ Row does not match the condition.
SARRequired is Yes✅✅✅✅✅✅✅✅
SARFilingDeadline is 2026-10-02✅✅✅✅✅✅✅✅
SARFile holds the SAR draft's link✅✅✅✅✅✅✅❌ Row does not match the condition.
ReviewerName is Morgan Ellery✅✅✅✅✅✅✅✅
ReviewerRole is BSA Officer✅✅✅❌ Row does not match the condition.✅❌ Row does not match the condition.✅✅
ReviewDecision is Approved✅✅✅✅✅✅✅❌ Row does not match the condition.

0902 · 02_structuring_documented_business

A restaurant with documented cash sales splits deposits below $10,000: structuring is never explained away.

Structuring Detection (RULE003) · alert date 2026-09-03 · customer C-30102 · transactions TXN-70198,TXN-70205,TXN-70212 · expected: Red, SAR due 2026-10-03

Checkgpt-5.1 · with Thunk.AIgpt-5.1 · without Thunk.AIgemini-3.5-flash · with Thunk.AIgemini-3.5-flash · without Thunk.AImistral-medium-3 · with Thunk.AImistral-medium-3 · without Thunk.AIgpt-5-mini · with Thunk.AIgpt-5-mini · without Thunk.AI
DispositionRecommendation is Red✅✅✅✅✅✅✅✅
AlertDate is 2026-09-03✅✅✅✅✅✅✅✅
AlertTransactions holds TXN-70198 (on the customer's account), TXN-70205 (on the customer's account), TXN-70212 (on the customer's account)✅✅✅✅✅✅✅✅
DataIssueTransactionIds is empty✅✅✅✅✅✅✅✅
CustomerType is Business✅✅✅❌ Row does not match the condition.✅✅✅✅
AnnualIncomeUSD is 1400000✅✅✅✅✅✅✅✅
RiskRating is Medium✅✅✅✅✅✅✅✅
IsPEP is No✅✅✅✅✅✅✅✅
SourceOfFundsDocumented is No✅✅✅✅✅✅✅✅
SanctionsFlag is No✅✅✅✅✅✅✅✅
VolumeVsPeerRatio is 1.1✅✅✅✅✅✅✅✅
PriorSARFilingDates is empty✅✅✅✅✅✅✅✅
RecentTransactions holds all 7 transactions on the customer's account✅✅✅✅✅✅✅✅
RedFlagsRaised is A✅✅✅✅✅✅✅✅
UnexplainedFlags is A✅✅✅✅✅✅✅✅
ExplainedFlags is empty✅✅✅✅✅✅✅✅
Typology is Structuring✅❌ Row does not match the condition.✅❌ Row does not match the condition.✅✅✅❌ Row does not match the condition.
SARRequired is Yes✅✅✅✅✅✅✅✅
SARFilingDeadline is 2026-10-03✅✅✅✅✅✅✅✅
SARFile holds the SAR draft's link✅✅✅✅✅✅✅❌ Row does not match the condition.
ReviewerName is Morgan Ellery✅✅✅✅✅✅✅✅
ReviewerRole is BSA Officer✅✅✅❌ Row does not match the condition.✅✅✅✅
ReviewDecision is Approved✅✅✅✅✅✅✅✅

0903 · 03_sanctioned_jurisdiction

An importer wires money to a counterparty in Iran, a comprehensively sanctioned jurisdiction.

High-Risk Country Transactions (RULE007) · alert date 2026-09-04 · customer C-30103 · transactions TXN-70233,TXN-70240 · expected: Red, SAR due 2026-10-04

Checkgpt-5.1 · with Thunk.AIgpt-5.1 · without Thunk.AIgemini-3.5-flash · with Thunk.AIgemini-3.5-flash · without Thunk.AImistral-medium-3 · with Thunk.AImistral-medium-3 · without Thunk.AIgpt-5-mini · with Thunk.AIgpt-5-mini · without Thunk.AI
DispositionRecommendation is Red✅✅✅✅✅✅✅✅
AlertDate is 2026-09-04✅✅✅✅✅✅✅✅
AlertTransactions holds TXN-70233 (on the customer's account), TXN-70240 (on the customer's account)✅✅✅✅✅✅✅✅
DataIssueTransactionIds is empty✅✅✅✅✅✅✅✅
CustomerType is Business✅✅✅✅✅✅✅✅
AnnualIncomeUSD is 2100000✅✅✅✅✅✅✅✅
RiskRating is Medium✅✅✅✅✅✅✅✅
IsPEP is No✅✅✅✅✅✅✅✅
SourceOfFundsDocumented is No✅✅✅✅✅✅✅✅
SanctionsFlag is No✅✅✅✅✅✅✅✅
VolumeVsPeerRatio is 0.9✅✅✅✅✅✅✅❌ Row does not match the condition.
PriorSARFilingDates is empty✅✅✅✅✅✅✅✅
RecentTransactions holds all 4 transactions on the customer's account✅✅✅✅✅✅✅✅
RedFlagsRaised is B✅✅✅✅✅❌ Row does not match the condition.✅❌ Row does not match the condition.
UnexplainedFlags is B✅✅✅✅✅❌ Row does not match the condition.✅❌ Row does not match the condition.
ExplainedFlags is empty✅✅✅✅✅✅✅✅
Typology is Sanctions✅❌ Row does not match the condition.❌ Row does not match the condition.❌ Row does not match the condition.✅❌ Row does not match the condition.✅❌ Row does not match the condition.
SARRequired is Yes✅✅✅✅✅✅✅✅
SARFilingDeadline is 2026-10-04✅✅✅✅✅✅✅✅
SARFile holds the SAR draft's link✅✅✅✅✅❌ Row does not match the condition.✅❌ Row does not match the condition.
ReviewerName is Morgan Ellery✅✅✅✅✅✅✅✅
ReviewerRole is BSA Officer✅✅✅❌ Row does not match the condition.✅✅✅✅
ReviewDecision is Approved✅✅✅✅✅❌ Row does not match the condition.✅❌ Row does not match the condition.

0904 · 04_pass_through_secrecy

Funds from the UAE are moved on to a Cayman Islands company the next day.

Rapid Fund Movement (Pass-Through) (RULE009) · alert date 2026-09-05 · customer C-30104 · transactions TXN-70268,TXN-70275 · expected: Red, SAR due 2026-10-05

Checkgpt-5.1 · with Thunk.AIgpt-5.1 · without Thunk.AIgemini-3.5-flash · with Thunk.AIgemini-3.5-flash · without Thunk.AImistral-medium-3 · with Thunk.AImistral-medium-3 · without Thunk.AIgpt-5-mini · with Thunk.AIgpt-5-mini · without Thunk.AI
DispositionRecommendation is Red✅✅✅✅✅❌ Row does not match the condition.✅✅
AlertDate is 2026-09-05✅✅✅✅✅✅✅✅
AlertTransactions holds TXN-70268 (on the customer's account), TXN-70275 (on the customer's account)✅✅✅✅✅✅✅✅
DataIssueTransactionIds is empty✅✅✅✅✅✅✅✅
CustomerType is Individual✅✅✅✅✅✅✅✅
AnnualIncomeUSD is 210000✅✅✅✅✅✅✅✅
RiskRating is Medium✅✅✅✅✅✅✅✅
IsPEP is No✅✅✅✅✅✅✅✅
SourceOfFundsDocumented is No✅✅✅✅✅✅✅✅
SanctionsFlag is No✅✅✅✅✅✅✅✅
VolumeVsPeerRatio is 1.6✅✅✅✅✅✅✅✅
PriorSARFilingDates is empty✅✅✅✅✅✅✅✅
RecentTransactions holds all 5 transactions on the customer's account✅✅✅✅✅✅✅✅
RedFlagsRaised is C, D, E✅✅✅✅✅❌ Row does not match the condition.✅✅
UnexplainedFlags is C, D, E✅✅✅✅✅❌ Row does not match the condition.✅✅
ExplainedFlags is empty✅✅✅✅✅✅✅✅
Typology is Geographic Risk; Layering; Profile Inconsistency✅❌ Row does not match the condition.✅❌ Row does not match the condition.✅❌ Row does not match the condition.✅❌ Row does not match the condition.
SARRequired is Yes✅✅✅✅✅❌ Row does not match the condition.✅✅
SARFilingDeadline is 2026-10-05✅✅✅✅✅❌ Row does not match the condition.✅✅
SARFile holds the SAR draft's link✅✅✅✅✅❌ Row does not match the condition.✅❌ Row does not match the condition.
ReviewerName is Morgan Ellery✅❌ Row does not match the condition.✅✅✅❌ Row does not match the condition.✅✅
ReviewerRole is BSA Officer✅❌ Row does not match the condition.✅❌ Row does not match the condition.✅❌ Row does not match the condition.✅✅
ReviewDecision is Approved✅✅✅✅✅✅✅✅

0905 · 05_layering_multi_jurisdiction

A large inbound wire is split the same day and next into three wires to three European jurisdictions.

Complex Layering Pattern (RULE004) · alert date 2026-09-06 · customer C-30105 · transactions TXN-70303,TXN-70310,TXN-70317,TXN-70324 · expected: Red, SAR due 2026-10-06

Checkgpt-5.1 · with Thunk.AIgpt-5.1 · without Thunk.AIgemini-3.5-flash · with Thunk.AIgemini-3.5-flash · without Thunk.AImistral-medium-3 · with Thunk.AImistral-medium-3 · without Thunk.AIgpt-5-mini · with Thunk.AIgpt-5-mini · without Thunk.AI
DispositionRecommendation is Red✅✅✅✅✅✅✅⚪
AlertDate is 2026-09-06✅✅✅✅✅✅✅⚪
AlertTransactions holds TXN-70303 (on the customer's account), TXN-70310 (on the customer's account), TXN-70317 (on the customer's account), TXN-70324 (on the customer's account)✅✅✅✅✅✅✅⚪
DataIssueTransactionIds is empty✅✅✅✅✅✅✅⚪
CustomerType is Individual✅✅✅✅✅✅✅⚪
AnnualIncomeUSD is 120000✅✅✅✅✅✅✅⚪
RiskRating is Medium✅✅✅✅✅✅✅⚪
IsPEP is No✅✅✅✅✅✅✅⚪
SourceOfFundsDocumented is No✅✅✅✅✅✅✅⚪
SanctionsFlag is No✅✅✅✅✅✅✅⚪
VolumeVsPeerRatio is 1.7✅✅✅✅✅✅✅⚪
PriorSARFilingDates is empty✅✅✅✅✅✅✅⚪
RecentTransactions holds all 7 transactions on the customer's account✅✅✅✅✅✅✅⚪
RedFlagsRaised is D, E✅✅✅✅✅❌ Row does not match the condition.✅⚪
UnexplainedFlags is D, E✅✅✅✅✅❌ Row does not match the condition.✅⚪
ExplainedFlags is empty✅✅✅✅✅✅✅⚪
Typology is Layering; Profile Inconsistency✅❌ Row does not match the condition.✅❌ Row does not match the condition.✅❌ Row does not match the condition.✅⚪
SARRequired is Yes✅✅✅✅✅✅✅⚪
SARFilingDeadline is 2026-10-06✅✅✅✅✅✅✅⚪
SARFile holds the SAR draft's link✅✅✅✅✅✅✅⚪
ReviewerName is Morgan Ellery✅❌ Row does not match the condition.✅✅✅✅✅⚪
ReviewerRole is BSA Officer✅❌ Row does not match the condition.✅❌ Row does not match the condition.✅❌ Row does not match the condition.✅⚪
ReviewDecision is Approved✅✅✅✅✅✅✅⚪

0906 · 06_pep_no_source_large_inflow

A PEP with no documented source of funds receives far more than their annual income.

PEP Transaction Monitor (RULE011) · alert date 2026-09-07 · customer C-30106 · transactions TXN-70352 · expected: Red, SAR due 2026-10-07

Checkgpt-5.1 · with Thunk.AIgpt-5.1 · without Thunk.AIgemini-3.5-flash · with Thunk.AIgemini-3.5-flash · without Thunk.AImistral-medium-3 · with Thunk.AImistral-medium-3 · without Thunk.AIgpt-5-mini · with Thunk.AIgpt-5-mini · without Thunk.AI
DispositionRecommendation is Red✅✅✅✅✅✅✅✅
AlertDate is 2026-09-07✅✅✅✅✅✅✅✅
AlertTransactions holds TXN-70352 (on the customer's account)✅✅✅✅✅✅✅✅
DataIssueTransactionIds is empty✅✅✅✅✅✅✅✅
CustomerType is Individual✅✅✅✅✅✅✅✅
AnnualIncomeUSD is 150000✅✅✅✅✅✅✅✅
RiskRating is High✅✅✅✅✅✅✅✅
IsPEP is Yes✅✅✅✅✅✅✅✅
SourceOfFundsDocumented is No✅✅✅✅✅✅✅✅
SanctionsFlag is No✅✅✅✅✅✅✅✅
VolumeVsPeerRatio is 1.5✅✅✅✅✅✅✅❌ Row does not match the condition.
PriorSARFilingDates is empty✅✅✅✅✅✅✅✅
RecentTransactions holds all 4 transactions on the customer's account✅✅✅✅✅✅✅✅
RedFlagsRaised is E, G✅❌ Row does not match the condition.✅✅✅✅✅❌ Row does not match the condition.
UnexplainedFlags is E, G✅❌ Row does not match the condition.✅✅✅✅✅❌ Row does not match the condition.
ExplainedFlags is empty✅✅✅✅✅✅✅✅
Typology is Profile Inconsistency; PEP / Corruption Risk✅❌ Row does not match the condition.✅❌ Row does not match the condition.✅✅✅❌ Row does not match the condition.
SARRequired is Yes✅✅✅✅✅✅✅✅
SARFilingDeadline is 2026-10-07✅✅✅✅✅✅✅✅
SARFile holds the SAR draft's link✅✅✅✅✅✅✅✅
ReviewerName is Morgan Ellery✅✅✅✅✅✅✅✅
ReviewerRole is BSA Officer✅✅✅❌ Row does not match the condition.✅✅✅✅
ReviewDecision is Approved✅✅✅✅✅✅✅✅

0907 · 07_prior_sar_high_risk

A real estate company with a SAR filed 15 months ago wires money to Russia.

High-Value International Wire (RULE005) · alert date 2026-09-08 · customer C-30107 · transactions TXN-70373 · expected: Red, SAR due 2026-10-08

Checkgpt-5.1 · with Thunk.AIgpt-5.1 · without Thunk.AIgemini-3.5-flash · with Thunk.AIgemini-3.5-flash · without Thunk.AImistral-medium-3 · with Thunk.AImistral-medium-3 · without Thunk.AIgpt-5-mini · with Thunk.AIgpt-5-mini · without Thunk.AI
DispositionRecommendation is Red✅✅✅✅✅✅✅✅
AlertDate is 2026-09-08✅✅✅✅✅✅✅✅
AlertTransactions holds TXN-70373 (on the customer's account)✅✅✅✅✅✅✅✅
DataIssueTransactionIds is empty✅✅✅✅✅✅✅✅
CustomerType is Business✅✅✅✅✅✅✅✅
AnnualIncomeUSD is 900000✅✅✅✅✅✅✅✅
RiskRating is High✅✅✅✅✅✅✅✅
IsPEP is No✅✅✅✅✅✅✅✅
SourceOfFundsDocumented is No✅✅✅✅✅✅✅✅
SanctionsFlag is No✅✅✅✅✅✅✅✅
VolumeVsPeerRatio is 1.2✅✅✅✅✅✅✅✅
PriorSARFilingDates holds 2025-06-18✅✅✅✅✅✅✅✅
RecentTransactions holds all 3 transactions on the customer's account✅✅✅✅✅✅✅❌ Row does not match the condition.
RedFlagsRaised is C, F✅❌ Row does not match the condition.✅✅✅✅✅❌ Row does not match the condition.
UnexplainedFlags is C, F✅❌ Row does not match the condition.✅✅✅✅✅❌ Row does not match the condition.
ExplainedFlags is empty✅✅✅✅✅✅✅❌ Row does not match the condition.
Typology is Geographic Risk; Repeat Subject (prior SAR)✅❌ Row does not match the condition.✅❌ Row does not match the condition.✅✅✅❌ Row does not match the condition.
SARRequired is Yes✅✅✅✅✅✅✅✅
SARFilingDeadline is 2026-10-08✅✅✅✅✅✅✅✅
SARFile holds the SAR draft's link✅✅✅✅✅✅✅✅
ReviewerName is Morgan Ellery✅✅✅✅✅✅✅✅
ReviewerRole is BSA Officer✅✅✅❌ Row does not match the condition.✅✅✅✅
ReviewDecision is Approved✅✅✅✅✅✅✅✅

0908 · 08_tbml_secrecy_peer

A shipping company pays a Panama trading company while its volume is 2.4 times its peers'.

Trade Finance Anomaly (TBML) (RULE010) · alert date 2026-09-09 · customer C-30108 · transactions TXN-70394,TXN-70401 · expected: Red, SAR due 2026-10-09

Checkgpt-5.1 · with Thunk.AIgpt-5.1 · without Thunk.AIgemini-3.5-flash · with Thunk.AIgemini-3.5-flash · without Thunk.AImistral-medium-3 · with Thunk.AImistral-medium-3 · without Thunk.AIgpt-5-mini · with Thunk.AIgpt-5-mini · without Thunk.AI
DispositionRecommendation is Red✅✅✅✅✅❌ Row does not match the condition.✅✅
AlertDate is 2026-09-09✅✅✅✅✅✅✅✅
AlertTransactions holds TXN-70394 (on the customer's account), TXN-70401 (on the customer's account)✅✅✅✅✅✅✅✅
DataIssueTransactionIds is empty✅✅✅✅✅✅✅✅
CustomerType is Business✅✅✅✅✅✅✅✅
AnnualIncomeUSD is 6500000✅✅✅✅✅✅✅✅
RiskRating is High✅✅✅✅✅✅✅✅
IsPEP is No✅✅✅✅✅✅✅✅
SourceOfFundsDocumented is No✅✅✅✅✅✅✅✅
SanctionsFlag is No✅✅✅✅✅✅✅✅
VolumeVsPeerRatio is 2.4✅✅✅✅✅✅✅✅
PriorSARFilingDates is empty✅✅✅✅✅✅✅✅
RecentTransactions holds all 4 transactions on the customer's account✅✅✅✅✅✅✅✅
RedFlagsRaised is C, E✅✅✅✅✅✅✅❌ Row does not match the condition.
UnexplainedFlags is C, E✅✅✅✅✅✅✅❌ Row does not match the condition.
ExplainedFlags is empty✅✅✅✅✅✅✅✅
Typology is Geographic Risk; Profile Inconsistency✅❌ Row does not match the condition.✅❌ Row does not match the condition.✅✅✅❌ Row does not match the condition.
SARRequired is Yes✅✅✅✅✅❌ Row does not match the condition.✅✅
SARFilingDeadline is 2026-10-09✅✅✅✅✅❌ Row does not match the condition.✅✅
SARFile holds the SAR draft's link✅✅✅✅✅❌ Row does not match the condition.✅❌ Row does not match the condition.
ReviewerName is Morgan Ellery✅✅✅✅✅❌ Row does not match the condition.✅✅
ReviewerRole is BSA Officer✅✅✅❌ Row does not match the condition.✅❌ Row does not match the condition.✅✅
ReviewDecision is Approved✅✅✅✅✅✅✅❌ Row does not match the condition.

0909 · 09_hawala_funnel

Five transfers in from different people are sent on to a UAE exchange house the next day.

Informal Value Transfer Indicator (RULE006) · alert date 2026-09-10 · customer C-30109 · transactions TXN-70429,TXN-70436,TXN-70443,TXN-70450,TXN-70457,TXN-70464 · expected: Red, SAR due 2026-10-10

Checkgpt-5.1 · with Thunk.AIgpt-5.1 · without Thunk.AIgemini-3.5-flash · with Thunk.AIgemini-3.5-flash · without Thunk.AImistral-medium-3 · with Thunk.AImistral-medium-3 · without Thunk.AIgpt-5-mini · with Thunk.AIgpt-5-mini · without Thunk.AI
DispositionRecommendation is Red✅❌ Row does not match the condition.✅✅✅✅✅✅
AlertDate is 2026-09-10✅✅✅✅✅✅✅✅
AlertTransactions holds TXN-70429 (on the customer's account), TXN-70436 (on the customer's account), TXN-70443 (on the customer's account), TXN-70450 (on the customer's account), TXN-70457 (on the customer's account), TXN-70464 (on the customer's account)✅✅✅✅✅✅✅✅
DataIssueTransactionIds is empty✅✅✅✅✅✅✅✅
CustomerType is Individual✅✅✅✅✅✅✅✅
AnnualIncomeUSD is 38000✅✅✅✅✅✅✅✅
RiskRating is Medium✅✅✅✅✅✅✅✅
IsPEP is No✅✅✅✅✅✅✅✅
SourceOfFundsDocumented is No✅✅✅✅✅✅✅✅
SanctionsFlag is No✅✅✅✅✅✅✅✅
VolumeVsPeerRatio is 1.8✅✅✅✅✅✅✅❌ Row does not match the condition.
PriorSARFilingDates is empty✅✅✅✅✅✅✅✅
RecentTransactions holds all 9 transactions on the customer's account✅✅✅✅✅✅✅✅
RedFlagsRaised is D, E✅❌ Row does not match the condition.✅✅✅❌ Row does not match the condition.✅✅
UnexplainedFlags is D, E✅❌ Row does not match the condition.✅✅✅❌ Row does not match the condition.✅✅
ExplainedFlags is empty✅✅✅✅✅✅✅✅
Typology is Layering; Profile Inconsistency✅❌ Row does not match the condition.✅❌ Row does not match the condition.✅❌ Row does not match the condition.✅❌ Row does not match the condition.
SARRequired is Yes✅❌ Row does not match the condition.✅✅✅✅✅✅
SARFilingDeadline is 2026-10-10✅❌ Row does not match the condition.✅✅✅✅✅✅
SARFile holds the SAR draft's link✅❌ Row does not match the condition.✅✅✅❌ Row does not match the condition.✅❌ Row does not match the condition.
ReviewerName is Morgan Ellery✅❌ Row does not match the condition.✅✅✅❌ Row does not match the condition.✅✅
ReviewerRole is BSA Officer✅❌ Row does not match the condition.✅❌ Row does not match the condition.✅❌ Row does not match the condition.✅✅
ReviewDecision is Approved✅✅✅✅✅❌ Row does not match the condition.✅❌ Row does not match the condition.

0910 · 10_high_risk_only

Two wires to an individual in Myanmar; nothing else is unusual.

High-Risk Country Transactions (RULE007) · alert date 2026-09-11 · customer C-30110 · transactions TXN-70492,TXN-70499 · expected: Amber, no SAR

Checkgpt-5.1 · with Thunk.AIgpt-5.1 · without Thunk.AIgemini-3.5-flash · with Thunk.AIgemini-3.5-flash · without Thunk.AImistral-medium-3 · with Thunk.AImistral-medium-3 · without Thunk.AIgpt-5-mini · with Thunk.AIgpt-5-mini · without Thunk.AI
DispositionRecommendation is Amber✅❌ Row does not match the condition.✅✅✅✅✅⚪
AlertDate is 2026-09-11✅✅✅✅✅✅✅⚪
AlertTransactions holds TXN-70492 (on the customer's account), TXN-70499 (on the customer's account)✅✅✅✅✅✅✅⚪
DataIssueTransactionIds is empty✅✅✅✅✅✅✅⚪
CustomerType is Individual✅✅✅✅✅✅✅⚪
AnnualIncomeUSD is 185000✅✅✅✅✅✅✅⚪
RiskRating is Medium✅✅✅✅✅✅✅⚪
IsPEP is No✅✅✅✅✅✅✅⚪
SourceOfFundsDocumented is No✅✅✅✅✅✅✅⚪
SanctionsFlag is No✅✅✅✅✅✅✅⚪
VolumeVsPeerRatio is 1✅✅✅✅✅✅✅⚪
PriorSARFilingDates is empty✅✅✅✅✅✅✅⚪
RecentTransactions holds all 5 transactions on the customer's account✅✅✅✅✅✅✅⚪
RedFlagsRaised is C✅❌ Row does not match the condition.✅✅✅✅✅⚪
UnexplainedFlags is C✅❌ Row does not match the condition.✅✅✅✅✅⚪
ExplainedFlags is empty✅✅✅✅✅✅✅⚪
Typology is Geographic Risk✅❌ Row does not match the condition.✅❌ Row does not match the condition.✅✅✅⚪
SARRequired is No✅❌ Row does not match the condition.✅✅✅✅✅⚪
SARFilingDeadline is empty✅❌ Row does not match the condition.✅✅✅✅✅⚪
SARFile is empty✅❌ Row does not match the condition.✅✅✅✅✅⚪
ReviewerName is Jordan Okafor✅❌ Row does not match the condition.✅✅✅✅✅⚪
ReviewerRole is AML Team Lead✅❌ Row does not match the condition.✅❌ Row does not match the condition.✅✅✅⚪
ReviewDecision is Approved✅✅✅✅✅✅✅⚪

0911 · 11_cash_business_peer_only

A car wash's cash deposits (all over $10,000) put it at 2.3 times its peers.

Cash-Intensive Business Anomaly (RULE002) · alert date 2026-09-12 · customer C-30111 · transactions TXN-70513,TXN-70520,TXN-70527 · expected: Amber, no SAR

Checkgpt-5.1 · with Thunk.AIgpt-5.1 · without Thunk.AIgemini-3.5-flash · with Thunk.AIgemini-3.5-flash · without Thunk.AImistral-medium-3 · with Thunk.AImistral-medium-3 · without Thunk.AIgpt-5-mini · with Thunk.AIgpt-5-mini · without Thunk.AI
DispositionRecommendation is Amber✅⚪✅✅✅✅✅✅
AlertDate is 2026-09-12✅⚪✅✅✅✅✅✅
AlertTransactions holds TXN-70513 (on the customer's account), TXN-70520 (on the customer's account), TXN-70527 (on the customer's account)✅⚪✅✅✅✅✅✅
DataIssueTransactionIds is empty✅⚪✅✅✅✅✅✅
CustomerType is Business✅⚪✅✅✅✅✅✅
AnnualIncomeUSD is 600000✅⚪✅✅✅✅✅✅
RiskRating is Medium✅⚪✅✅✅✅✅✅
IsPEP is No✅⚪✅✅✅✅✅✅
SourceOfFundsDocumented is No✅⚪✅✅✅✅✅✅
SanctionsFlag is No✅⚪✅✅✅✅✅✅
VolumeVsPeerRatio is 2.3✅⚪✅✅✅✅✅❌ Row does not match the condition.
PriorSARFilingDates is empty✅⚪✅✅✅✅✅✅
RecentTransactions holds all 4 transactions on the customer's account✅⚪✅✅✅✅✅✅
RedFlagsRaised is E✅⚪✅✅✅✅✅✅
UnexplainedFlags is E✅⚪✅✅✅✅✅✅
ExplainedFlags is empty✅⚪✅✅✅✅✅✅
Typology is Profile Inconsistency✅⚪✅❌ Row does not match the condition.✅✅✅❌ Row does not match the condition.
SARRequired is No✅⚪✅✅✅✅✅✅
SARFilingDeadline is empty✅⚪✅✅✅✅✅✅
SARFile is empty✅⚪✅✅✅✅✅✅
ReviewerName is Jordan Okafor✅⚪✅✅✅✅✅✅
ReviewerRole is AML Team Lead✅⚪✅❌ Row does not match the condition.✅✅✅✅
ReviewDecision is Approved✅⚪✅✅✅✅✅✅

0912 · 12_prior_sar_only

An equipment company with a SAR 18 months ago pays its documented German supplier.

High-Value International Wire (RULE005) · alert date 2026-09-13 · customer C-30112 · transactions TXN-70548 · expected: Amber, no SAR

Checkgpt-5.1 · with Thunk.AIgpt-5.1 · without Thunk.AIgemini-3.5-flash · with Thunk.AIgemini-3.5-flash · without Thunk.AImistral-medium-3 · with Thunk.AImistral-medium-3 · without Thunk.AIgpt-5-mini · with Thunk.AIgpt-5-mini · without Thunk.AI
DispositionRecommendation is Amber✅❌ Row does not match the condition.✅✅✅❌ Row does not match the condition.✅❌ Row does not match the condition.
AlertDate is 2026-09-13✅✅✅✅✅✅✅✅
AlertTransactions holds TXN-70548 (on the customer's account)✅✅✅✅✅✅✅✅
DataIssueTransactionIds is empty✅✅✅✅✅✅✅✅
CustomerType is Business✅✅✅✅✅✅✅✅
AnnualIncomeUSD is 4200000✅✅✅✅✅✅✅✅
RiskRating is Medium✅✅✅✅✅✅✅✅
IsPEP is No✅✅✅✅✅✅✅✅
SourceOfFundsDocumented is No✅✅✅✅✅✅✅✅
SanctionsFlag is No✅✅✅✅✅✅✅✅
VolumeVsPeerRatio is 1.1✅✅✅✅✅✅✅✅
PriorSARFilingDates holds 2025-03-02✅✅✅✅✅✅✅✅
RecentTransactions holds all 3 transactions on the customer's account✅✅✅✅✅✅✅❌ Row does not match the condition.
RedFlagsRaised is F✅❌ Row does not match the condition.✅✅✅✅✅❌ Row does not match the condition.
UnexplainedFlags is F✅✅✅✅✅✅✅❌ Row does not match the condition.
ExplainedFlags is empty✅❌ Row does not match the condition.✅✅✅✅✅❌ Row does not match the condition.
Typology is Repeat Subject (prior SAR)✅❌ Row does not match the condition.✅❌ Row does not match the condition.✅✅✅❌ Row does not match the condition.
SARRequired is No✅❌ Row does not match the condition.✅✅✅❌ Row does not match the condition.✅❌ Row does not match the condition.
SARFilingDeadline is empty✅❌ Row does not match the condition.✅✅✅❌ Row does not match the condition.✅❌ Row does not match the condition.
SARFile is empty✅❌ Row does not match the condition.✅✅✅✅✅✅
ReviewerName is Jordan Okafor✅❌ Row does not match the condition.✅✅✅❌ Row does not match the condition.✅❌ Row does not match the condition.
ReviewerRole is AML Team Lead✅❌ Row does not match the condition.✅✅✅❌ Row does not match the condition.✅❌ Row does not match the condition.
ReviewDecision is Approved✅✅✅✅✅❌ Row does not match the condition.✅❌ Row does not match the condition.

0913 · 13_inheritance_explained_venezuela

A documented inheritance explains a large inflow; a wire to Venezuela is the one unexplained flag.

High-Value International Wire (RULE005) · alert date 2026-09-14 · customer C-30113 · transactions TXN-70569,TXN-70576 · expected: Amber, no SAR

Checkgpt-5.1 · with Thunk.AIgpt-5.1 · without Thunk.AIgemini-3.5-flash · with Thunk.AIgemini-3.5-flash · without Thunk.AImistral-medium-3 · with Thunk.AImistral-medium-3 · without Thunk.AIgpt-5-mini · with Thunk.AIgpt-5-mini · without Thunk.AI
DispositionRecommendation is Amber✅✅✅✅❌ Row does not match the condition.✅✅❌ Row does not match the condition.
AlertDate is 2026-09-14✅✅✅✅✅✅✅✅
AlertTransactions holds TXN-70569 (on the customer's account), TXN-70576 (on the customer's account)✅✅✅✅✅✅✅✅
DataIssueTransactionIds is empty✅✅✅✅✅✅✅✅
CustomerType is Individual✅✅✅✅✅✅✅✅
AnnualIncomeUSD is 64000✅✅✅✅✅✅✅✅
RiskRating is Medium✅✅✅✅✅✅✅✅
IsPEP is No✅✅✅✅✅✅✅✅
SourceOfFundsDocumented is Yes✅✅✅✅✅✅✅✅
SanctionsFlag is No✅✅✅✅✅✅✅✅
VolumeVsPeerRatio is 1.4✅✅✅✅✅✅✅❌ Row does not match the condition.
PriorSARFilingDates is empty✅✅✅✅✅✅✅✅
RecentTransactions holds all 4 transactions on the customer's account✅✅✅✅✅✅✅✅
RedFlagsRaised is C, E✅✅✅✅✅✅✅❌ Row does not match the condition.
UnexplainedFlags is C✅✅✅✅❌ Row does not match the condition.❌ Row does not match the condition.✅❌ Row does not match the condition.
ExplainedFlags explains E✅✅✅✅❌ Row does not match the condition.❌ Row does not match the condition.✅✅
Typology is Geographic Risk✅❌ Row does not match the condition.✅❌ Row does not match the condition.❌ Row does not match the condition.❌ Row does not match the condition.✅❌ Row does not match the condition.
SARRequired is No✅✅✅✅❌ Row does not match the condition.✅✅❌ Row does not match the condition.
SARFilingDeadline is empty✅✅✅✅❌ Row does not match the condition.✅✅❌ Row does not match the condition.
SARFile is empty✅✅✅✅❌ Row does not match the condition.✅✅✅
ReviewerName is Jordan Okafor✅✅✅✅❌ Row does not match the condition.✅✅❌ Row does not match the condition.
ReviewerRole is AML Team Lead✅✅✅✅❌ Row does not match the condition.✅✅❌ Row does not match the condition.
ReviewDecision is Approved✅✅✅✅✅✅✅✅

0914 · 14_pep_no_source_only

A PEP with no documented source of funds receives an amount consistent with their income.

PEP Transaction Monitor (RULE011) · alert date 2026-09-15 · customer C-30114 · transactions TXN-70597 · expected: Amber, no SAR

Checkgpt-5.1 · with Thunk.AIgpt-5.1 · without Thunk.AIgemini-3.5-flash · with Thunk.AIgemini-3.5-flash · without Thunk.AImistral-medium-3 · with Thunk.AImistral-medium-3 · without Thunk.AIgpt-5-mini · with Thunk.AIgpt-5-mini · without Thunk.AI
DispositionRecommendation is Amber✅✅✅✅✅❌ Row does not match the condition.✅❌ Row does not match the condition.
AlertDate is 2026-09-15✅✅✅✅✅✅✅✅
AlertTransactions holds TXN-70597 (on the customer's account)✅✅✅✅✅✅✅✅
DataIssueTransactionIds is empty✅✅✅✅✅✅✅✅
CustomerType is Individual✅✅✅✅✅✅✅✅
AnnualIncomeUSD is 130000✅✅✅✅✅✅✅✅
RiskRating is High✅✅✅✅✅✅✅✅
IsPEP is Yes✅✅✅✅✅✅✅✅
SourceOfFundsDocumented is No✅✅✅✅✅✅✅✅
SanctionsFlag is No✅✅✅✅✅✅✅✅
VolumeVsPeerRatio is 1.1✅✅✅✅✅✅✅❌ Row does not match the condition.
PriorSARFilingDates is empty✅✅✅✅✅✅✅✅
RecentTransactions holds all 3 transactions on the customer's account✅✅✅✅✅✅✅✅
RedFlagsRaised is G✅✅✅✅✅✅✅✅
UnexplainedFlags is G✅✅✅✅✅✅✅✅
ExplainedFlags is empty✅✅✅✅✅✅✅✅
Typology is PEP / Corruption Risk✅❌ Row does not match the condition.✅❌ Row does not match the condition.✅✅✅❌ Row does not match the condition.
SARRequired is No✅✅✅✅✅❌ Row does not match the condition.✅❌ Row does not match the condition.
SARFilingDeadline is empty✅✅✅✅✅❌ Row does not match the condition.✅❌ Row does not match the condition.
SARFile is empty✅✅✅✅✅❌ Row does not match the condition.✅✅
ReviewerName is Jordan Okafor✅✅✅✅✅❌ Row does not match the condition.✅❌ Row does not match the condition.
ReviewerRole is AML Team Lead✅✅✅❌ Row does not match the condition.✅❌ Row does not match the condition.✅❌ Row does not match the condition.
ReviewDecision is Approved✅✅✅✅✅✅✅❌ Row does not match the condition.

0915 · 15_two_deposits_not_structuring

Two cash deposits just under $10,000 (only two, so not structuring) exceed a student's annual income.

Structuring Detection (RULE003) · alert date 2026-09-16 · customer C-30115 · transactions TXN-70618,TXN-70625 · expected: Amber, no SAR

Checkgpt-5.1 · with Thunk.AIgpt-5.1 · without Thunk.AIgemini-3.5-flash · with Thunk.AIgemini-3.5-flash · without Thunk.AImistral-medium-3 · with Thunk.AImistral-medium-3 · without Thunk.AIgpt-5-mini · with Thunk.AIgpt-5-mini · without Thunk.AI
DispositionRecommendation is Amber✅❌ Row does not match the condition.✅✅✅❌ Row does not match the condition.✅❌ Row does not match the condition.
AlertDate is 2026-09-16✅✅✅✅✅✅✅✅
AlertTransactions holds TXN-70618 (on the customer's account), TXN-70625 (on the customer's account)✅✅✅✅✅✅✅✅
DataIssueTransactionIds is empty✅✅✅✅✅✅✅✅
CustomerType is Individual✅✅✅✅✅✅✅✅
AnnualIncomeUSD is 18000✅✅✅✅✅✅✅✅
RiskRating is Medium✅✅✅✅✅✅✅✅
IsPEP is No✅✅✅✅✅✅✅✅
SourceOfFundsDocumented is No✅✅✅✅✅✅✅✅
SanctionsFlag is No✅✅✅✅✅✅✅✅
VolumeVsPeerRatio is 1.6✅✅✅✅✅✅✅❌ Row does not match the condition.
PriorSARFilingDates is empty✅✅✅✅✅✅✅✅
RecentTransactions holds all 4 transactions on the customer's account✅✅✅✅✅✅✅✅
RedFlagsRaised is E✅❌ Row does not match the condition.✅✅✅❌ Row does not match the condition.✅❌ Row does not match the condition.
UnexplainedFlags is E✅❌ Row does not match the condition.✅✅✅❌ Row does not match the condition.✅❌ Row does not match the condition.
ExplainedFlags is empty✅✅✅✅✅✅✅✅
Typology is Profile Inconsistency✅❌ Row does not match the condition.✅❌ Row does not match the condition.✅❌ Row does not match the condition.✅❌ Row does not match the condition.
SARRequired is No✅❌ Row does not match the condition.✅✅✅❌ Row does not match the condition.✅❌ Row does not match the condition.
SARFilingDeadline is empty✅❌ Row does not match the condition.✅✅✅❌ Row does not match the condition.✅❌ Row does not match the condition.
SARFile is empty✅❌ Row does not match the condition.✅✅✅❌ Row does not match the condition.✅✅
ReviewerName is Jordan Okafor✅❌ Row does not match the condition.✅✅✅❌ Row does not match the condition.✅❌ Row does not match the condition.
ReviewerRole is AML Team Lead✅❌ Row does not match the condition.✅❌ Row does not match the condition.✅❌ Row does not match the condition.✅❌ Row does not match the condition.
ReviewDecision is Approved✅✅✅✅✅✅✅❌ Row does not match the condition.

0916 · 16_old_sar_venezuela

A SAR filed 34 months ago is too old to count; wires to Venezuela are the one flag.

High-Risk Country Transactions (RULE007) · alert date 2026-09-17 · customer C-30116 · transactions TXN-70653,TXN-70660 · expected: Amber, no SAR

Checkgpt-5.1 · with Thunk.AIgpt-5.1 · without Thunk.AIgemini-3.5-flash · with Thunk.AIgemini-3.5-flash · without Thunk.AImistral-medium-3 · with Thunk.AImistral-medium-3 · without Thunk.AIgpt-5-mini · with Thunk.AIgpt-5-mini · without Thunk.AI
DispositionRecommendation is Amber✅❌ Row does not match the condition.✅✅✅❌ Row does not match the condition.✅❌ Row does not match the condition.
AlertDate is 2026-09-17✅✅✅✅✅✅✅✅
AlertTransactions holds TXN-70653 (on the customer's account), TXN-70660 (on the customer's account)✅✅✅✅✅✅✅✅
DataIssueTransactionIds is empty✅✅✅✅✅✅✅✅
CustomerType is Individual✅✅✅✅✅✅✅✅
AnnualIncomeUSD is 92000✅✅✅✅✅✅✅✅
RiskRating is Medium✅✅✅✅✅✅✅✅
IsPEP is No✅✅✅✅✅✅✅✅
SourceOfFundsDocumented is No✅✅✅✅✅✅✅✅
SanctionsFlag is No✅✅✅✅✅✅✅✅
VolumeVsPeerRatio is 1.2✅✅✅✅✅✅✅❌ Row does not match the condition.
PriorSARFilingDates holds 2023-11-20✅✅✅✅✅✅✅✅
RecentTransactions holds all 5 transactions on the customer's account✅✅✅✅✅✅✅❌ Row does not match the condition.
RedFlagsRaised is C✅❌ Row does not match the condition.✅✅✅❌ Row does not match the condition.✅❌ Row does not match the condition.
UnexplainedFlags is C✅❌ Row does not match the condition.✅✅✅❌ Row does not match the condition.✅❌ Row does not match the condition.
ExplainedFlags is empty✅❌ Row does not match the condition.✅✅✅✅✅❌ Row does not match the condition.
Typology is Geographic Risk✅❌ Row does not match the condition.✅❌ Row does not match the condition.✅❌ Row does not match the condition.✅❌ Row does not match the condition.
SARRequired is No✅❌ Row does not match the condition.✅✅✅❌ Row does not match the condition.✅❌ Row does not match the condition.
SARFilingDeadline is empty✅❌ Row does not match the condition.✅✅✅❌ Row does not match the condition.✅❌ Row does not match the condition.
SARFile is empty✅❌ Row does not match the condition.✅✅✅❌ Row does not match the condition.✅❌ Row does not match the condition.
ReviewerName is Jordan Okafor✅✅✅✅✅❌ Row does not match the condition.✅❌ Row does not match the condition.
ReviewerRole is AML Team Lead✅✅✅❌ Row does not match the condition.✅❌ Row does not match the condition.✅❌ Row does not match the condition.
ReviewDecision is Approved✅✅✅✅✅✅✅✅

0917 · 17_pass_through_only

A contractor receives a client payment and pays most of it on to a supplier the next day.

Rapid Fund Movement (Pass-Through) (RULE009) · alert date 2026-09-18 · customer C-30117 · transactions TXN-70681,TXN-70688 · expected: Amber, no SAR

Checkgpt-5.1 · with Thunk.AIgpt-5.1 · without Thunk.AIgemini-3.5-flash · with Thunk.AIgemini-3.5-flash · without Thunk.AImistral-medium-3 · with Thunk.AImistral-medium-3 · without Thunk.AIgpt-5-mini · with Thunk.AIgpt-5-mini · without Thunk.AI
DispositionRecommendation is Amber✅✅✅✅✅✅✅❌ Row does not match the condition.
AlertDate is 2026-09-18✅✅✅✅✅✅✅✅
AlertTransactions holds TXN-70681 (on the customer's account), TXN-70688 (on the customer's account)✅✅✅✅✅✅✅✅
DataIssueTransactionIds is empty✅✅✅✅✅✅✅✅
CustomerType is Individual✅✅✅✅✅✅✅✅
AnnualIncomeUSD is 240000✅✅✅✅✅✅✅✅
RiskRating is Medium✅✅✅✅✅✅✅✅
IsPEP is No✅✅✅✅✅✅✅✅
SourceOfFundsDocumented is No✅✅✅✅✅✅✅✅
SanctionsFlag is No✅✅✅✅✅✅✅✅
VolumeVsPeerRatio is 1.4✅✅✅✅✅✅✅✅
PriorSARFilingDates is empty✅✅✅✅✅✅✅✅
RecentTransactions holds all 4 transactions on the customer's account✅✅✅✅✅✅✅✅
RedFlagsRaised is D✅❌ Row does not match the condition.✅✅✅✅✅❌ Row does not match the condition.
UnexplainedFlags is D✅✅✅✅✅✅✅✅
ExplainedFlags is empty✅❌ Row does not match the condition.✅✅✅✅✅❌ Row does not match the condition.
Typology is Layering✅❌ Row does not match the condition.✅❌ Row does not match the condition.✅✅✅❌ Row does not match the condition.
SARRequired is No✅✅✅✅✅✅✅❌ Row does not match the condition.
SARFilingDeadline is empty✅✅✅✅✅✅✅❌ Row does not match the condition.
SARFile is empty✅✅✅✅❌ Row does not match the condition.✅✅✅
ReviewerName is Jordan Okafor✅✅✅✅✅✅✅❌ Row does not match the condition.
ReviewerRole is AML Team Lead✅✅✅❌ Row does not match the condition.✅✅✅❌ Row does not match the condition.
ReviewDecision is Approved✅✅✅✅✅✅✅❌ Row does not match the condition.

0918 · 18_large_single_cash

One cash deposit of $12,500 (reported on a CTR): not structuring, nothing else unusual.

Large Cash Transaction (RULE001) · alert date 2026-09-19 · customer C-30118 · transactions TXN-70716 · expected: Green, no SAR

Checkgpt-5.1 · with Thunk.AIgpt-5.1 · without Thunk.AIgemini-3.5-flash · with Thunk.AIgemini-3.5-flash · without Thunk.AImistral-medium-3 · with Thunk.AImistral-medium-3 · without Thunk.AIgpt-5-mini · with Thunk.AIgpt-5-mini · without Thunk.AI
DispositionRecommendation is Green✅✅✅✅✅❌ Row does not match the condition.✅❌ Row does not match the condition.
AlertDate is 2026-09-19✅✅✅✅✅✅✅✅
AlertTransactions holds TXN-70716 (on the customer's account)✅✅✅✅✅✅✅✅
DataIssueTransactionIds is empty✅✅✅✅✅✅✅✅
CustomerType is Individual✅✅✅✅✅✅✅✅
AnnualIncomeUSD is 52000✅✅✅✅✅✅✅✅
RiskRating is Medium✅✅✅✅✅✅✅✅
IsPEP is No✅✅✅✅✅✅✅✅
SourceOfFundsDocumented is No✅✅✅✅✅✅✅✅
SanctionsFlag is No✅✅✅✅✅✅✅✅
VolumeVsPeerRatio is 1.2✅✅✅✅✅✅✅❌ Row does not match the condition.
PriorSARFilingDates is empty✅✅✅✅✅✅✅✅
RecentTransactions holds all 4 transactions on the customer's account✅✅✅✅✅✅✅✅
RedFlagsRaised is empty✅✅✅✅✅❌ Row does not match the condition.✅❌ Row does not match the condition.
UnexplainedFlags is empty✅✅✅✅✅❌ Row does not match the condition.✅❌ Row does not match the condition.
ExplainedFlags is empty✅✅✅✅✅✅✅✅
Typology is Not suspicious✅✅✅✅✅❌ Row does not match the condition.✅❌ Row does not match the condition.
SARRequired is No✅✅✅✅✅✅✅❌ Row does not match the condition.
SARFilingDeadline is empty✅✅✅✅✅✅✅❌ Row does not match the condition.
SARFile is empty✅✅✅✅✅✅✅❌ Row does not match the condition.
ReviewerName is Jordan Okafor✅✅✅✅✅✅✅❌ Row does not match the condition.
ReviewerRole is AML Team Lead✅✅✅❌ Row does not match the condition.✅❌ Row does not match the condition.✅❌ Row does not match the condition.
ReviewDecision is Approved✅✅✅✅✅✅✅✅

0919 · 19_below_structuring_range

Three cash deposits, all under $8,000: the structuring rule fired, but no red flag is raised.

Structuring Detection (RULE003) · alert date 2026-09-20 · customer C-30119 · transactions TXN-70744,TXN-70751,TXN-70758 · expected: Green, no SAR

Checkgpt-5.1 · with Thunk.AIgpt-5.1 · without Thunk.AIgemini-3.5-flash · with Thunk.AIgemini-3.5-flash · without Thunk.AImistral-medium-3 · with Thunk.AImistral-medium-3 · without Thunk.AIgpt-5-mini · with Thunk.AIgpt-5-mini · without Thunk.AI
DispositionRecommendation is Green✅❌ Row does not match the condition.✅✅✅❌ Row does not match the condition.✅❌ Row does not match the condition.
AlertDate is 2026-09-20✅✅✅✅✅✅✅✅
AlertTransactions holds TXN-70744 (on the customer's account), TXN-70751 (on the customer's account), TXN-70758 (on the customer's account)✅✅✅✅✅✅✅✅
DataIssueTransactionIds is empty✅✅✅✅✅✅✅✅
CustomerType is Individual✅✅✅✅✅✅✅✅
AnnualIncomeUSD is 82000✅✅✅✅✅✅✅✅
RiskRating is Medium✅✅✅✅✅✅✅✅
IsPEP is No✅✅✅✅✅✅✅✅
SourceOfFundsDocumented is No✅✅✅✅✅✅✅✅
SanctionsFlag is No✅✅✅✅✅✅✅✅
VolumeVsPeerRatio is 1.3✅✅✅✅✅✅✅❌ Row does not match the condition.
PriorSARFilingDates is empty✅✅✅✅✅✅✅✅
RecentTransactions holds all 6 transactions on the customer's account✅✅✅✅✅✅✅✅
RedFlagsRaised is empty✅❌ Row does not match the condition.✅✅✅❌ Row does not match the condition.✅❌ Row does not match the condition.
UnexplainedFlags is empty✅❌ Row does not match the condition.✅✅✅❌ Row does not match the condition.✅❌ Row does not match the condition.
ExplainedFlags is empty✅✅✅✅✅✅✅✅
Typology is Not suspicious✅❌ Row does not match the condition.✅✅✅❌ Row does not match the condition.✅❌ Row does not match the condition.
SARRequired is No✅❌ Row does not match the condition.✅✅✅❌ Row does not match the condition.✅❌ Row does not match the condition.
SARFilingDeadline is empty✅❌ Row does not match the condition.✅✅✅❌ Row does not match the condition.✅❌ Row does not match the condition.
SARFile is empty✅❌ Row does not match the condition.✅✅✅❌ Row does not match the condition.✅✅
ReviewerName is Jordan Okafor✅❌ Row does not match the condition.✅✅✅❌ Row does not match the condition.✅❌ Row does not match the condition.
ReviewerRole is AML Team Lead✅❌ Row does not match the condition.✅✅✅❌ Row does not match the condition.✅❌ Row does not match the condition.
ReviewDecision is Approved✅✅✅✅✅✅✅❌ Row does not match the condition.

0920 · 20_pep_documented_property_sale

A former minister receives proceeds of a documented property sale.

PEP Transaction Monitor (RULE011) · alert date 2026-09-21 · customer C-30120 · transactions TXN-70779 · expected: Green, no SAR

Checkgpt-5.1 · with Thunk.AIgpt-5.1 · without Thunk.AIgemini-3.5-flash · with Thunk.AIgemini-3.5-flash · without Thunk.AImistral-medium-3 · with Thunk.AImistral-medium-3 · without Thunk.AIgpt-5-mini · with Thunk.AIgpt-5-mini · without Thunk.AI
DispositionRecommendation is Green❌ Row does not match the condition.❌ Row does not match the condition.✅✅✅✅✅❌ Row does not match the condition.
AlertDate is 2026-09-21✅✅✅✅✅✅✅✅
AlertTransactions holds TXN-70779 (on the customer's account)✅✅✅✅✅✅✅✅
DataIssueTransactionIds is empty✅✅✅✅✅✅✅✅
CustomerType is Individual✅✅✅✅✅✅✅✅
AnnualIncomeUSD is 140000✅✅✅✅✅✅✅✅
RiskRating is High✅✅✅✅✅✅✅✅
IsPEP is Yes✅✅✅✅✅✅✅✅
SourceOfFundsDocumented is Yes✅✅✅✅✅✅✅✅
SanctionsFlag is No✅✅✅✅✅✅✅✅
VolumeVsPeerRatio is 1.3✅✅✅✅✅✅✅❌ Row does not match the condition.
PriorSARFilingDates is empty✅✅✅✅✅✅✅✅
RecentTransactions holds all 3 transactions on the customer's account✅✅✅✅✅✅✅✅
RedFlagsRaised is E✅❌ Row does not match the condition.✅✅✅❌ Row does not match the condition.✅❌ Row does not match the condition.
UnexplainedFlags is empty❌ Row does not match the condition.❌ Row does not match the condition.✅✅✅✅✅❌ Row does not match the condition.
ExplainedFlags explains E❌ Row does not match the condition.❌ Row does not match the condition.✅✅✅❌ Row does not match the condition.✅✅
Typology is Not suspicious❌ Row does not match the condition.❌ Row does not match the condition.✅✅✅✅✅❌ Row does not match the condition.
SARRequired is No✅✅✅✅✅✅✅❌ Row does not match the condition.
SARFilingDeadline is empty✅✅✅✅✅✅✅❌ Row does not match the condition.
SARFile is empty✅✅✅✅✅✅✅❌ Row does not match the condition.
ReviewerName is Jordan Okafor✅✅✅✅✅✅✅❌ Row does not match the condition.
ReviewerRole is AML Team Lead✅✅✅❌ Row does not match the condition.✅✅✅❌ Row does not match the condition.
ReviewDecision is Approved✅✅✅✅✅✅✅✅

0921 · 21_high_risk_rating_documented_supplier

A High risk-rated customer pays its documented German supplier: risk rating alone is not a red flag.

High-Value International Wire (RULE005) · alert date 2026-09-22 · customer C-30121 · transactions TXN-70800 · expected: Green, no SAR

Checkgpt-5.1 · with Thunk.AIgpt-5.1 · without Thunk.AIgemini-3.5-flash · with Thunk.AIgemini-3.5-flash · without Thunk.AImistral-medium-3 · with Thunk.AImistral-medium-3 · without Thunk.AIgpt-5-mini · with Thunk.AIgpt-5-mini · without Thunk.AI
DispositionRecommendation is Green✅✅✅✅✅❌ Row does not match the condition.✅❌ Row does not match the condition.
AlertDate is 2026-09-22✅✅✅✅✅✅✅✅
AlertTransactions holds TXN-70800 (on the customer's account)✅✅✅✅✅✅✅✅
DataIssueTransactionIds is empty✅✅✅✅✅✅✅✅
CustomerType is Business✅✅✅✅✅✅✅✅
AnnualIncomeUSD is 9000000✅✅✅✅✅✅✅✅
RiskRating is High✅✅✅✅✅✅✅✅
IsPEP is No✅✅✅✅✅✅✅✅
SourceOfFundsDocumented is No✅✅✅✅✅✅✅✅
SanctionsFlag is No✅✅✅✅✅✅✅✅
VolumeVsPeerRatio is 1.1✅✅✅✅✅✅✅❌ Row does not match the condition.
PriorSARFilingDates is empty✅✅✅✅✅✅✅✅
RecentTransactions holds all 3 transactions on the customer's account✅✅✅✅✅✅✅✅
RedFlagsRaised is empty✅✅✅✅✅❌ Row does not match the condition.✅❌ Row does not match the condition.
UnexplainedFlags is empty✅✅✅✅✅❌ Row does not match the condition.✅❌ Row does not match the condition.
ExplainedFlags is empty✅✅✅✅✅✅✅❌ Row does not match the condition.
Typology is Not suspicious✅✅✅✅✅❌ Row does not match the condition.✅❌ Row does not match the condition.
SARRequired is No✅✅✅✅✅✅✅❌ Row does not match the condition.
SARFilingDeadline is empty✅✅✅✅✅✅✅❌ Row does not match the condition.
SARFile is empty✅✅✅✅✅✅✅❌ Row does not match the condition.
ReviewerName is Jordan Okafor✅✅✅✅✅✅✅❌ Row does not match the condition.
ReviewerRole is AML Team Lead✅✅✅✅✅✅✅❌ Row does not match the condition.
ReviewDecision is Approved✅✅✅✅✅✅✅✅

0922 · 22_prior_false_positive_explains_volume

A toy shop's seasonal cash volume (2.4 times its peers) was verified in a false-positive case last January.

Cash-Intensive Business Anomaly (RULE002) · alert date 2026-09-23 · customer C-30122 · transactions TXN-70814,TXN-70821,TXN-70828 · expected: Green, no SAR

Checkgpt-5.1 · with Thunk.AIgpt-5.1 · without Thunk.AIgemini-3.5-flash · with Thunk.AIgemini-3.5-flash · without Thunk.AImistral-medium-3 · with Thunk.AImistral-medium-3 · without Thunk.AIgpt-5-mini · with Thunk.AIgpt-5-mini · without Thunk.AI
DispositionRecommendation is Green✅✅✅✅✅✅✅⚪
AlertDate is 2026-09-23✅✅✅✅✅✅✅⚪
AlertTransactions holds TXN-70814 (on the customer's account), TXN-70821 (on the customer's account), TXN-70828 (on the customer's account)✅✅✅✅✅✅✅⚪
DataIssueTransactionIds is empty✅✅✅✅✅✅✅⚪
CustomerType is Business✅✅✅✅✅✅✅⚪
AnnualIncomeUSD is 1100000✅✅✅✅✅✅✅⚪
RiskRating is Medium✅✅✅✅✅✅✅⚪
IsPEP is No✅✅✅✅✅✅✅⚪
SourceOfFundsDocumented is No✅✅✅✅✅✅✅⚪
SanctionsFlag is No✅✅✅✅✅✅✅⚪
VolumeVsPeerRatio is 2.4✅✅✅✅✅✅✅⚪
PriorSARFilingDates is empty✅✅✅✅✅✅✅⚪
RecentTransactions holds all 4 transactions on the customer's account✅✅✅✅✅✅✅⚪
RedFlagsRaised is E✅❌ Row does not match the condition.✅✅✅✅✅⚪
UnexplainedFlags is empty✅✅✅✅✅❌ Row does not match the condition.✅⚪
ExplainedFlags explains E✅✅✅✅✅❌ Row does not match the condition.✅⚪
Typology is Not suspicious✅✅✅✅✅✅✅⚪
SARRequired is No✅✅✅✅✅✅✅⚪
SARFilingDeadline is empty✅✅✅✅✅✅✅⚪
SARFile is empty✅✅✅✅✅✅✅⚪
ReviewerName is Jordan Okafor✅❌ Row does not match the condition.✅✅✅✅✅⚪
ReviewerRole is AML Team Lead✅❌ Row does not match the condition.✅✅✅✅✅⚪
ReviewDecision is Approved✅✅✅✅✅✅✅⚪

0923 · 23_data_issue_two_deposits

One of three listed deposits is on another customer's account; the two that remain are not structuring.

Structuring Detection (RULE003) · alert date 2026-09-24 · customer C-30123 · transactions TXN-70856,TXN-70870,TXN-70863 · expected: Green, no SAR

Checkgpt-5.1 · with Thunk.AIgpt-5.1 · without Thunk.AIgemini-3.5-flash · with Thunk.AIgemini-3.5-flash · without Thunk.AImistral-medium-3 · with Thunk.AImistral-medium-3 · without Thunk.AIgpt-5-mini · with Thunk.AIgpt-5-mini · without Thunk.AI
DispositionRecommendation is Green✅❌ Row does not match the condition.✅✅✅❌ Row does not match the condition.✅❌ Row does not match the condition.
AlertDate is 2026-09-24✅✅✅✅✅✅✅✅
AlertTransactions holds TXN-70856 (on the customer's account), TXN-70870 (not on the customer's account), TXN-70863 (on the customer's account)✅✅✅✅❌ Row does not match the condition.❌ Row does not match the condition.✅✅
DataIssueTransactionIds is TXN-70870✅✅✅✅✅✅✅✅
CustomerType is Individual✅✅✅✅✅✅✅✅
AnnualIncomeUSD is 91000✅✅✅✅✅✅✅✅
RiskRating is Medium✅✅✅✅✅✅✅✅
IsPEP is No✅✅✅✅✅✅✅✅
SourceOfFundsDocumented is No✅✅✅✅✅✅✅✅
SanctionsFlag is No✅✅✅✅✅✅✅✅
VolumeVsPeerRatio is 1✅✅✅✅✅✅✅❌ Row does not match the condition.
PriorSARFilingDates is empty✅✅✅✅✅✅✅✅
RecentTransactions holds all 5 transactions on the customer's account✅✅✅✅✅✅✅✅
RedFlagsRaised is empty✅❌ Row does not match the condition.✅✅✅❌ Row does not match the condition.✅❌ Row does not match the condition.
UnexplainedFlags is empty✅❌ Row does not match the condition.✅✅✅❌ Row does not match the condition.✅❌ Row does not match the condition.
ExplainedFlags is empty✅❌ Row does not match the condition.✅✅✅✅✅❌ Row does not match the condition.
Typology is Not suspicious✅❌ Row does not match the condition.✅✅✅❌ Row does not match the condition.✅❌ Row does not match the condition.
SARRequired is No✅❌ Row does not match the condition.✅✅✅❌ Row does not match the condition.✅❌ Row does not match the condition.
SARFilingDeadline is empty✅❌ Row does not match the condition.✅✅✅❌ Row does not match the condition.✅❌ Row does not match the condition.
SARFile is empty✅❌ Row does not match the condition.✅✅✅❌ Row does not match the condition.✅❌ Row does not match the condition.
ReviewerName is Jordan Okafor✅✅✅✅✅❌ Row does not match the condition.✅❌ Row does not match the condition.
ReviewerRole is AML Team Lead✅✅✅❌ Row does not match the condition.✅❌ Row does not match the condition.✅❌ Row does not match the condition.
ReviewDecision is Approved✅✅✅✅✅✅✅✅

0924 · 24_documented_cayman_fund

Subscriptions to a Cayman Islands fund are documented on the customer's record.

High-Value International Wire (RULE005) · alert date 2026-09-25 · customer C-30124 · transactions TXN-70898 · expected: Green, no SAR

Checkgpt-5.1 · with Thunk.AIgpt-5.1 · without Thunk.AIgemini-3.5-flash · with Thunk.AIgemini-3.5-flash · without Thunk.AImistral-medium-3 · with Thunk.AImistral-medium-3 · without Thunk.AIgpt-5-mini · with Thunk.AIgpt-5-mini · without Thunk.AI
DispositionRecommendation is Green✅❌ Row does not match the condition.✅✅✅❌ Row does not match the condition.✅❌ Row does not match the condition.
AlertDate is 2026-09-25✅✅✅✅✅✅✅✅
AlertTransactions holds TXN-70898 (on the customer's account)✅✅✅✅✅✅✅✅
DataIssueTransactionIds is empty✅✅✅✅✅✅✅✅
CustomerType is Individual✅✅✅✅✅✅✅✅
AnnualIncomeUSD is 650000✅✅✅✅✅✅✅✅
RiskRating is High✅✅✅✅✅✅✅✅
IsPEP is No✅✅✅✅✅✅✅✅
SourceOfFundsDocumented is No✅✅✅✅✅✅✅✅
SanctionsFlag is No✅✅✅✅✅✅✅✅
VolumeVsPeerRatio is 1.2✅✅✅✅✅✅✅✅
PriorSARFilingDates is empty✅✅✅✅✅✅✅✅
RecentTransactions holds all 4 transactions on the customer's account✅✅✅✅✅✅✅❌ Row does not match the condition.
RedFlagsRaised is C✅❌ Row does not match the condition.✅✅✅✅✅❌ Row does not match the condition.
UnexplainedFlags is empty✅❌ Row does not match the condition.✅✅✅❌ Row does not match the condition.✅❌ Row does not match the condition.
ExplainedFlags explains C✅❌ Row does not match the condition.✅✅✅❌ Row does not match the condition.✅❌ Row does not match the condition.
Typology is Not suspicious✅❌ Row does not match the condition.✅✅✅❌ Row does not match the condition.✅❌ Row does not match the condition.
SARRequired is No✅✅✅✅✅✅✅❌ Row does not match the condition.
SARFilingDeadline is empty✅✅✅✅✅✅✅❌ Row does not match the condition.
SARFile is empty✅✅✅✅✅✅✅✅
ReviewerName is Jordan Okafor✅✅✅✅✅✅✅❌ Row does not match the condition.
ReviewerRole is AML Team Lead✅✅✅❌ Row does not match the condition.✅✅✅❌ Row does not match the condition.
ReviewDecision is Approved✅✅✅✅✅✅✅❌ Row does not match the condition.

0925 · 25_crypto_exchange_small

Small purchases at a US cryptocurrency exchange: crypto use alone is not a red flag.

Cryptocurrency Bridge Indicator (RULE012) · alert date 2026-09-26 · customer C-30125 · transactions TXN-70926,TXN-70933,TXN-70940 · expected: Green, no SAR

Checkgpt-5.1 · with Thunk.AIgpt-5.1 · without Thunk.AIgemini-3.5-flash · with Thunk.AIgemini-3.5-flash · without Thunk.AImistral-medium-3 · with Thunk.AImistral-medium-3 · without Thunk.AIgpt-5-mini · with Thunk.AIgpt-5-mini · without Thunk.AI
DispositionRecommendation is Green✅✅✅✅✅❌ Row does not match the condition.✅⚪
AlertDate is 2026-09-26✅✅✅✅✅✅✅⚪
AlertTransactions holds TXN-70926 (on the customer's account), TXN-70933 (on the customer's account), TXN-70940 (on the customer's account)✅✅✅✅✅✅✅⚪
DataIssueTransactionIds is empty✅✅✅✅✅✅✅⚪
CustomerType is Individual✅✅✅✅✅✅✅⚪
AnnualIncomeUSD is 135000✅✅✅✅✅✅✅⚪
RiskRating is Medium✅✅✅✅✅✅✅⚪
IsPEP is No✅✅✅✅✅✅✅⚪
SourceOfFundsDocumented is No✅✅✅✅✅✅✅⚪
SanctionsFlag is No✅✅✅✅✅✅✅⚪
VolumeVsPeerRatio is 1.1✅✅✅✅✅✅✅⚪
PriorSARFilingDates is empty✅✅✅✅✅✅✅⚪
RecentTransactions holds all 6 transactions on the customer's account✅✅✅✅✅✅✅⚪
RedFlagsRaised is empty✅✅✅✅✅❌ Row does not match the condition.✅⚪
UnexplainedFlags is empty✅✅✅✅✅❌ Row does not match the condition.✅⚪
ExplainedFlags is empty✅✅✅✅✅✅✅⚪
Typology is Not suspicious✅✅✅✅✅❌ Row does not match the condition.✅⚪
SARRequired is No✅✅✅✅✅✅✅⚪
SARFilingDeadline is empty✅✅✅✅✅✅✅⚪
SARFile is empty✅✅✅✅✅✅✅⚪
ReviewerName is Jordan Okafor✅✅✅✅✅✅✅⚪
ReviewerRole is AML Team Lead✅✅✅❌ Row does not match the condition.✅✅✅⚪
ReviewDecision is Approved✅✅✅✅✅✅✅⚪

0926 · 26_structuring_exact_5_days

Three deposits of $8,000.00, $9,999.99 and $8,500 on the first, third and fifth of five consecutive days.

Structuring Detection (RULE003) · alert date 2026-07-01 · customer C-30126 · transactions TXN-70968,TXN-70975,TXN-70982 · expected: Red, SAR due 2026-07-31

Checkgpt-5.1 · with Thunk.AIgpt-5.1 · without Thunk.AIgemini-3.5-flash · with Thunk.AIgemini-3.5-flash · without Thunk.AImistral-medium-3 · with Thunk.AImistral-medium-3 · without Thunk.AIgpt-5-mini · with Thunk.AIgpt-5-mini · without Thunk.AI
DispositionRecommendation is Red✅✅✅✅✅✅✅✅
AlertDate is 2026-07-01✅✅✅✅✅✅✅✅
AlertTransactions holds TXN-70968 (on the customer's account), TXN-70975 (on the customer's account), TXN-70982 (on the customer's account)✅✅✅✅✅✅✅✅
DataIssueTransactionIds is empty✅✅✅✅✅✅✅✅
CustomerType is Individual✅✅✅✅✅✅✅✅
AnnualIncomeUSD is 76000✅✅✅✅✅✅✅✅
RiskRating is Medium✅✅✅✅✅✅✅✅
IsPEP is No✅✅✅✅✅✅✅✅
SourceOfFundsDocumented is No✅✅✅✅✅✅✅✅
SanctionsFlag is No✅✅✅✅✅✅✅✅
VolumeVsPeerRatio is 1.2✅✅✅✅✅✅✅❌ Row does not match the condition.
PriorSARFilingDates is empty✅✅✅✅✅✅✅✅
RecentTransactions holds all 6 transactions on the customer's account✅✅✅✅✅✅✅✅
RedFlagsRaised is A✅✅✅✅✅✅✅✅
UnexplainedFlags is A✅✅✅✅✅✅✅✅
ExplainedFlags is empty✅✅✅✅✅✅✅✅
Typology is Structuring✅❌ Row does not match the condition.✅❌ Row does not match the condition.✅✅✅❌ Row does not match the condition.
SARRequired is Yes✅✅✅✅✅✅✅✅
SARFilingDeadline is 2026-07-31✅✅✅✅✅✅✅✅
SARFile holds the SAR draft's link✅✅✅✅✅✅✅❌ Row does not match the condition.
ReviewerName is Morgan Ellery✅✅✅✅✅✅✅✅
ReviewerRole is BSA Officer✅✅✅❌ Row does not match the condition.✅❌ Row does not match the condition.✅✅
ReviewDecision is Approved✅✅✅✅✅✅✅❌ Row does not match the condition.

0927 · 27_structuring_with_unlisted_deposit

The alert lists two deposits in the range; a third, unlisted deposit two days earlier completes structuring.

Structuring Detection (RULE003) · alert date 2026-07-02 · customer C-30127 · transactions TXN-71017,TXN-71024 · expected: Red, SAR due 2026-08-01

Checkgpt-5.1 · with Thunk.AIgpt-5.1 · without Thunk.AIgemini-3.5-flash · with Thunk.AIgemini-3.5-flash · without Thunk.AImistral-medium-3 · with Thunk.AImistral-medium-3 · without Thunk.AIgpt-5-mini · with Thunk.AIgpt-5-mini · without Thunk.AI
DispositionRecommendation is Red✅✅✅✅✅✅✅✅
AlertDate is 2026-07-02✅✅✅✅✅✅✅✅
AlertTransactions holds TXN-71017 (on the customer's account), TXN-71024 (on the customer's account)✅✅✅✅✅✅✅✅
DataIssueTransactionIds is empty✅✅✅✅✅✅✅✅
CustomerType is Individual✅✅✅✅✅✅✅✅
AnnualIncomeUSD is 64000✅✅✅✅✅✅✅✅
RiskRating is Medium✅✅✅✅✅✅✅✅
IsPEP is No✅✅✅✅✅✅✅✅
SourceOfFundsDocumented is No✅✅✅✅✅✅✅✅
SanctionsFlag is No✅✅✅✅✅✅✅✅
VolumeVsPeerRatio is 1.3✅✅✅✅✅✅✅✅
PriorSARFilingDates is empty✅✅✅✅✅✅✅✅
RecentTransactions holds all 6 transactions on the customer's account✅✅✅✅✅✅✅✅
RedFlagsRaised is A✅✅✅✅✅✅✅✅
UnexplainedFlags is A✅✅✅✅✅✅✅✅
ExplainedFlags is empty✅✅✅✅✅✅✅✅
Typology is Structuring✅❌ Row does not match the condition.✅❌ Row does not match the condition.✅❌ Row does not match the condition.✅❌ Row does not match the condition.
SARRequired is Yes✅✅✅✅✅✅✅✅
SARFilingDeadline is 2026-08-01✅✅✅✅✅✅✅✅
SARFile holds the SAR draft's link✅✅✅✅✅✅✅❌ Row does not match the condition.
ReviewerName is Morgan Ellery✅✅✅✅✅✅✅✅
ReviewerRole is BSA Officer✅✅✅✅✅✅✅✅
ReviewDecision is Approved✅✅✅✅✅✅✅✅

0928 · 28_customer_sanctions_flag

A customer whose sanctions flag is Yes makes small domestic payments.

Watchlist Match (RULE008) · alert date 2026-07-03 · customer C-30128 · transactions TXN-71045,TXN-71052 · expected: Red, SAR due 2026-08-02

Checkgpt-5.1 · with Thunk.AIgpt-5.1 · without Thunk.AIgemini-3.5-flash · with Thunk.AIgemini-3.5-flash · without Thunk.AImistral-medium-3 · with Thunk.AImistral-medium-3 · without Thunk.AIgpt-5-mini · with Thunk.AIgpt-5-mini · without Thunk.AI
DispositionRecommendation is Red✅✅✅✅✅✅✅⚪
AlertDate is 2026-07-03✅✅✅✅✅✅✅⚪
AlertTransactions holds TXN-71045 (on the customer's account), TXN-71052 (on the customer's account)✅✅✅✅✅✅✅⚪
DataIssueTransactionIds is empty✅✅✅✅✅✅✅⚪
CustomerType is Individual✅✅✅✅✅✅✅⚪
AnnualIncomeUSD is 120000✅✅✅✅✅✅✅⚪
RiskRating is High✅✅✅✅✅✅✅⚪
IsPEP is No✅✅✅✅✅✅✅⚪
SourceOfFundsDocumented is No✅✅✅✅✅✅✅⚪
SanctionsFlag is Yes✅✅✅✅✅✅✅⚪
VolumeVsPeerRatio is 1✅✅✅✅✅✅✅⚪
PriorSARFilingDates is empty✅✅✅✅✅✅✅⚪
RecentTransactions holds all 4 transactions on the customer's account✅✅✅✅✅✅✅⚪
RedFlagsRaised is B✅✅✅✅✅✅✅⚪
UnexplainedFlags is B✅✅✅✅✅✅✅⚪
ExplainedFlags is empty✅✅✅✅✅✅✅⚪
Typology is Sanctions✅❌ Row does not match the condition.✅❌ Row does not match the condition.✅✅✅⚪
SARRequired is Yes✅✅✅✅✅✅✅⚪
SARFilingDeadline is 2026-08-02✅✅✅✅✅✅✅⚪
SARFile holds the SAR draft's link✅✅✅✅✅✅✅⚪
ReviewerName is Morgan Ellery✅✅✅✅✅✅✅⚪
ReviewerRole is BSA Officer✅✅✅❌ Row does not match the condition.✅❌ Row does not match the condition.✅⚪
ReviewDecision is Approved✅✅✅✅✅✅✅⚪

0929 · 29_north_korea_small

A $450 wire to North Korea.

High-Risk Country Transactions (RULE007) · alert date 2026-07-04 · customer C-30129 · transactions TXN-71080 · expected: Red, SAR due 2026-08-03

Checkgpt-5.1 · with Thunk.AIgpt-5.1 · without Thunk.AIgemini-3.5-flash · with Thunk.AIgemini-3.5-flash · without Thunk.AImistral-medium-3 · with Thunk.AImistral-medium-3 · without Thunk.AIgpt-5-mini · with Thunk.AIgpt-5-mini · without Thunk.AI
DispositionRecommendation is Red✅✅✅✅✅✅✅⚪
AlertDate is 2026-07-04✅✅✅✅✅✅✅⚪
AlertTransactions holds TXN-71080 (on the customer's account)✅✅✅✅✅✅✅⚪
DataIssueTransactionIds is empty✅✅✅✅✅✅✅⚪
CustomerType is Individual✅✅✅✅✅✅✅⚪
AnnualIncomeUSD is 72000✅✅✅✅✅✅✅⚪
RiskRating is Medium✅✅✅✅✅✅✅⚪
IsPEP is No✅✅✅✅✅✅✅⚪
SourceOfFundsDocumented is No✅✅✅✅✅✅✅⚪
SanctionsFlag is No✅✅✅✅✅✅✅⚪
VolumeVsPeerRatio is 1✅✅✅✅✅✅✅⚪
PriorSARFilingDates is empty✅✅✅✅✅✅✅⚪
RecentTransactions holds all 4 transactions on the customer's account✅✅✅✅✅✅✅⚪
RedFlagsRaised is B✅✅✅✅✅✅✅⚪
UnexplainedFlags is B✅✅✅✅✅✅✅⚪
ExplainedFlags is empty✅✅✅✅✅✅✅⚪
Typology is Sanctions✅❌ Row does not match the condition.✅❌ Row does not match the condition.✅✅✅⚪
SARRequired is Yes✅✅✅✅✅✅✅⚪
SARFilingDeadline is 2026-08-03✅✅✅✅✅✅✅⚪
SARFile holds the SAR draft's link✅✅✅✅✅✅✅⚪
ReviewerName is Morgan Ellery✅✅✅✅✅✅✅⚪
ReviewerRole is BSA Officer✅✅✅❌ Row does not match the condition.✅✅✅⚪
ReviewDecision is Approved✅✅✅✅✅✅✅⚪

0930 · 30_syria_documented_ngo

An NGO's documented relief grant goes to Syria, which is no longer on either jurisdiction list.

High-Risk Country Transactions (RULE007) · alert date 2026-07-05 · customer C-30130 · transactions TXN-71101 · expected: Green, no SAR

Checkgpt-5.1 · with Thunk.AIgpt-5.1 · without Thunk.AIgemini-3.5-flash · with Thunk.AIgemini-3.5-flash · without Thunk.AImistral-medium-3 · with Thunk.AImistral-medium-3 · without Thunk.AIgpt-5-mini · with Thunk.AIgpt-5-mini · without Thunk.AI
DispositionRecommendation is Green✅❌ Row does not match the condition.✅⚪✅❌ Row does not match the condition.✅❌ Row does not match the condition.
AlertDate is 2026-07-05✅✅✅⚪✅✅✅✅
AlertTransactions holds TXN-71101 (on the customer's account)✅✅✅⚪✅✅✅✅
DataIssueTransactionIds is empty✅✅✅⚪✅✅✅✅
CustomerType is Business✅✅✅⚪✅✅✅✅
AnnualIncomeUSD is 3200000✅✅✅⚪✅✅✅✅
RiskRating is Medium✅✅✅⚪✅✅✅✅
IsPEP is No✅✅✅⚪✅✅✅✅
SourceOfFundsDocumented is No✅✅✅⚪✅✅✅✅
SanctionsFlag is No✅✅✅⚪✅✅✅✅
VolumeVsPeerRatio is 1✅✅✅⚪✅✅✅✅
PriorSARFilingDates is empty✅✅✅⚪✅✅✅✅
RecentTransactions holds all 3 transactions on the customer's account✅✅✅⚪✅✅✅❌ Row does not match the condition.
RedFlagsRaised is empty✅❌ Row does not match the condition.✅⚪✅❌ Row does not match the condition.✅❌ Row does not match the condition.
UnexplainedFlags is empty✅❌ Row does not match the condition.✅⚪✅❌ Row does not match the condition.✅❌ Row does not match the condition.
ExplainedFlags is empty✅❌ Row does not match the condition.✅⚪✅✅✅❌ Row does not match the condition.
Typology is Not suspicious✅❌ Row does not match the condition.✅⚪✅❌ Row does not match the condition.✅❌ Row does not match the condition.
SARRequired is No✅❌ Row does not match the condition.✅⚪✅✅✅❌ Row does not match the condition.
SARFilingDeadline is empty✅❌ Row does not match the condition.✅⚪✅✅✅❌ Row does not match the condition.
SARFile is empty✅❌ Row does not match the condition.✅⚪✅✅✅✅
ReviewerName is Jordan Okafor✅✅✅⚪✅✅✅❌ Row does not match the condition.
ReviewerRole is AML Team Lead✅✅✅⚪✅✅✅❌ Row does not match the condition.
ReviewDecision is Approved✅✅✅⚪✅✅✅✅

0931 · 31_cuba_travel_agency

A travel agency pays a Cuban hotel group.

High-Risk Country Transactions (RULE007) · alert date 2026-07-06 · customer C-30131 · transactions TXN-71122 · expected: Red, SAR due 2026-08-05

Checkgpt-5.1 · with Thunk.AIgpt-5.1 · without Thunk.AIgemini-3.5-flash · with Thunk.AIgemini-3.5-flash · without Thunk.AImistral-medium-3 · with Thunk.AImistral-medium-3 · without Thunk.AIgpt-5-mini · with Thunk.AIgpt-5-mini · without Thunk.AI
DispositionRecommendation is Red✅✅✅✅✅✅✅✅
AlertDate is 2026-07-06✅✅✅✅✅✅✅✅
AlertTransactions holds TXN-71122 (on the customer's account)✅✅✅✅✅✅✅✅
DataIssueTransactionIds is empty✅✅✅✅✅✅✅✅
CustomerType is Business✅✅✅✅✅✅✅✅
AnnualIncomeUSD is 2400000✅✅✅✅✅✅✅✅
RiskRating is Medium✅✅✅✅✅✅✅✅
IsPEP is No✅✅✅✅✅✅✅✅
SourceOfFundsDocumented is No✅✅✅✅✅✅✅✅
SanctionsFlag is No✅✅✅✅✅✅✅✅
VolumeVsPeerRatio is 1.1✅✅✅✅✅✅✅✅
PriorSARFilingDates is empty✅✅✅✅✅✅✅✅
RecentTransactions holds all 3 transactions on the customer's account✅✅✅✅✅✅✅✅
RedFlagsRaised is B✅✅✅✅✅❌ Row does not match the condition.✅❌ Row does not match the condition.
UnexplainedFlags is B✅✅✅✅✅❌ Row does not match the condition.✅❌ Row does not match the condition.
ExplainedFlags is empty✅✅✅✅✅✅✅❌ Row does not match the condition.
Typology is Sanctions✅❌ Row does not match the condition.✅❌ Row does not match the condition.✅❌ Row does not match the condition.✅❌ Row does not match the condition.
SARRequired is Yes✅✅✅✅✅✅✅✅
SARFilingDeadline is 2026-08-05✅✅✅✅✅✅✅✅
SARFile holds the SAR draft's link✅✅✅✅✅✅✅❌ Row does not match the condition.
ReviewerName is Morgan Ellery✅✅✅✅✅✅✅✅
ReviewerRole is BSA Officer✅✅✅❌ Row does not match the condition.✅✅✅✅
ReviewDecision is Approved✅✅✅✅✅✅✅❌ Row does not match the condition.

0932 · 32_bvi_over_income

A teacher wires more than a year's income to a British Virgin Islands company.

High-Value International Wire (RULE005) · alert date 2026-07-07 · customer C-30132 · transactions TXN-71150 · expected: Red, SAR due 2026-08-06

Checkgpt-5.1 · with Thunk.AIgpt-5.1 · without Thunk.AIgemini-3.5-flash · with Thunk.AIgemini-3.5-flash · without Thunk.AImistral-medium-3 · with Thunk.AImistral-medium-3 · without Thunk.AIgpt-5-mini · with Thunk.AIgpt-5-mini · without Thunk.AI
DispositionRecommendation is Red✅✅✅✅✅❌ Row does not match the condition.✅⚪
AlertDate is 2026-07-07✅✅✅✅✅✅✅⚪
AlertTransactions holds TXN-71150 (on the customer's account)✅✅✅✅✅✅✅⚪
DataIssueTransactionIds is empty✅✅✅✅✅✅✅⚪
CustomerType is Individual✅✅✅✅✅✅✅⚪
AnnualIncomeUSD is 61000✅✅✅✅✅✅✅⚪
RiskRating is Medium✅✅✅✅✅✅✅⚪
IsPEP is No✅✅✅✅✅✅✅⚪
SourceOfFundsDocumented is No✅✅✅✅✅✅✅⚪
SanctionsFlag is No✅✅✅✅✅✅✅⚪
VolumeVsPeerRatio is 1.1✅✅✅✅✅✅✅⚪
PriorSARFilingDates is empty✅✅✅✅✅✅✅⚪
RecentTransactions holds all 4 transactions on the customer's account✅✅✅✅✅✅✅⚪
RedFlagsRaised is C, E✅✅✅✅✅❌ Row does not match the condition.✅⚪
UnexplainedFlags is C, E✅✅✅✅✅❌ Row does not match the condition.✅⚪
ExplainedFlags is empty✅✅✅✅✅✅✅⚪
Typology is Geographic Risk; Profile Inconsistency✅❌ Row does not match the condition.✅❌ Row does not match the condition.✅❌ Row does not match the condition.✅⚪
SARRequired is Yes✅✅✅✅✅❌ Row does not match the condition.✅⚪
SARFilingDeadline is 2026-08-06✅✅✅✅✅❌ Row does not match the condition.✅⚪
SARFile holds the SAR draft's link✅✅✅✅✅❌ Row does not match the condition.✅⚪
ReviewerName is Morgan Ellery✅✅✅✅✅❌ Row does not match the condition.✅⚪
ReviewerRole is BSA Officer✅✅✅❌ Row does not match the condition.✅❌ Row does not match the condition.✅⚪
ReviewDecision is Approved✅✅✅✅✅❌ Row does not match the condition.✅⚪

0933 · 33_prior_sar_23_months_pass_through

A SAR 23 months ago, and funds received and sent on within two days.

Rapid Fund Movement (Pass-Through) (RULE009) · alert date 2026-07-08 · customer C-30133 · transactions TXN-71171,TXN-71178 · expected: Red, SAR due 2026-08-07

Checkgpt-5.1 · with Thunk.AIgpt-5.1 · without Thunk.AIgemini-3.5-flash · with Thunk.AIgemini-3.5-flash · without Thunk.AImistral-medium-3 · with Thunk.AImistral-medium-3 · without Thunk.AIgpt-5-mini · with Thunk.AIgpt-5-mini · without Thunk.AI
DispositionRecommendation is Red✅✅✅✅✅✅✅✅
AlertDate is 2026-07-08✅✅✅✅✅✅✅✅
AlertTransactions holds TXN-71171 (on the customer's account), TXN-71178 (on the customer's account)✅✅✅✅✅✅✅✅
DataIssueTransactionIds is empty✅✅✅✅✅✅✅✅
CustomerType is Individual✅✅✅✅✅✅✅✅
AnnualIncomeUSD is 140000✅✅✅✅✅✅✅✅
RiskRating is Medium✅✅✅✅✅✅✅✅
IsPEP is No✅✅✅✅✅✅✅✅
SourceOfFundsDocumented is No✅✅✅✅✅✅✅✅
SanctionsFlag is No✅✅✅✅✅✅✅✅
VolumeVsPeerRatio is 1.4✅✅✅✅✅✅✅❌ Row does not match the condition.
PriorSARFilingDates holds 2024-08-08✅✅✅✅✅✅✅✅
RecentTransactions holds all 4 transactions on the customer's account✅✅✅✅✅✅✅✅
RedFlagsRaised is D, F✅❌ Row does not match the condition.✅✅✅✅✅❌ Row does not match the condition.
UnexplainedFlags is D, F✅❌ Row does not match the condition.✅✅✅✅✅❌ Row does not match the condition.
ExplainedFlags is empty✅✅✅✅✅✅✅❌ Row does not match the condition.
Typology is Layering; Repeat Subject (prior SAR)✅❌ Row does not match the condition.✅❌ Row does not match the condition.✅❌ Row does not match the condition.✅❌ Row does not match the condition.
SARRequired is Yes✅✅✅✅✅✅✅✅
SARFilingDeadline is 2026-08-07✅✅✅✅✅✅✅✅
SARFile holds the SAR draft's link✅✅✅✅✅✅✅❌ Row does not match the condition.
ReviewerName is Morgan Ellery✅✅✅✅✅✅✅✅
ReviewerRole is BSA Officer✅✅✅❌ Row does not match the condition.✅✅✅✅
ReviewDecision is Approved✅✅✅✅✅✅✅✅

0934 · 34_pep_no_source_seychelles

A PEP with no documented source of funds wires money to the Seychelles.

PEP Transaction Monitor (RULE011) · alert date 2026-07-09 · customer C-30134 · transactions TXN-71199 · expected: Red, SAR due 2026-08-08

Checkgpt-5.1 · with Thunk.AIgpt-5.1 · without Thunk.AIgemini-3.5-flash · with Thunk.AIgemini-3.5-flash · without Thunk.AImistral-medium-3 · with Thunk.AImistral-medium-3 · without Thunk.AIgpt-5-mini · with Thunk.AIgpt-5-mini · without Thunk.AI
DispositionRecommendation is Red✅✅✅⚪✅✅✅✅
AlertDate is 2026-07-09✅✅✅⚪✅✅✅✅
AlertTransactions holds TXN-71199 (on the customer's account)✅✅✅⚪✅✅✅✅
DataIssueTransactionIds is empty✅✅✅⚪✅✅✅✅
CustomerType is Individual✅✅✅⚪✅✅✅✅
AnnualIncomeUSD is 160000✅✅✅⚪✅✅✅✅
RiskRating is High✅✅✅⚪✅✅✅✅
IsPEP is Yes✅✅✅⚪✅✅✅✅
SourceOfFundsDocumented is No✅✅✅⚪✅✅✅✅
SanctionsFlag is No✅✅✅⚪✅✅✅✅
VolumeVsPeerRatio is 1.3✅✅✅⚪✅✅✅❌ Row does not match the condition.
PriorSARFilingDates is empty✅✅✅⚪✅✅✅✅
RecentTransactions holds all 3 transactions on the customer's account✅✅✅⚪✅✅✅✅
RedFlagsRaised is C, G✅❌ Row does not match the condition.✅⚪✅✅✅❌ Row does not match the condition.
UnexplainedFlags is C, G✅❌ Row does not match the condition.✅⚪✅✅✅❌ Row does not match the condition.
ExplainedFlags is empty✅❌ Row does not match the condition.✅⚪✅✅✅✅
Typology is Geographic Risk; PEP / Corruption Risk✅❌ Row does not match the condition.✅⚪✅✅✅❌ Row does not match the condition.
SARRequired is Yes✅✅✅⚪✅✅✅✅
SARFilingDeadline is 2026-08-08✅✅✅⚪✅✅✅✅
SARFile holds the SAR draft's link✅✅✅⚪✅✅✅❌ Row does not match the condition.
ReviewerName is Morgan Ellery✅✅✅⚪✅✅✅✅
ReviewerRole is BSA Officer✅✅✅⚪✅✅✅✅
ReviewDecision is Approved✅✅✅⚪✅✅✅✅

0935 · 35_pass_through_80_ratio_2

Exactly 80% of a receipt is sent on within two days, and volume is exactly 2.0 times the peers'.

Rapid Fund Movement (Pass-Through) (RULE009) · alert date 2026-07-10 · customer C-30135 · transactions TXN-71220,TXN-71227 · expected: Red, SAR due 2026-08-09

Checkgpt-5.1 · with Thunk.AIgpt-5.1 · without Thunk.AIgemini-3.5-flash · with Thunk.AIgemini-3.5-flash · without Thunk.AImistral-medium-3 · with Thunk.AImistral-medium-3 · without Thunk.AIgpt-5-mini · with Thunk.AIgpt-5-mini · without Thunk.AI
DispositionRecommendation is Red✅✅✅❌ Row does not match the condition.✅✅✅✅
AlertDate is 2026-07-10✅✅✅✅✅✅✅✅
AlertTransactions holds TXN-71220 (on the customer's account), TXN-71227 (on the customer's account)✅✅✅✅✅✅✅✅
DataIssueTransactionIds is empty✅✅✅✅✅✅✅✅
CustomerType is Individual✅✅✅✅✅✅✅✅
AnnualIncomeUSD is 500000✅✅✅✅✅✅✅✅
RiskRating is Medium✅✅✅✅✅✅✅✅
IsPEP is No✅✅✅✅✅✅✅✅
SourceOfFundsDocumented is No✅✅✅✅✅✅✅✅
SanctionsFlag is No✅✅✅✅✅✅✅✅
VolumeVsPeerRatio is 2✅✅✅✅✅✅✅❌ Row does not match the condition.
PriorSARFilingDates is empty✅✅✅✅✅✅✅✅
RecentTransactions holds all 4 transactions on the customer's account✅✅✅✅✅✅✅✅
RedFlagsRaised is D, E✅✅✅✅✅✅✅✅
UnexplainedFlags is D, E✅✅✅❌ Row does not match the condition.✅✅✅❌ Row does not match the condition.
ExplainedFlags is empty✅✅✅❌ Row does not match the condition.✅✅✅❌ Row does not match the condition.
Typology is Layering; Profile Inconsistency✅❌ Row does not match the condition.✅❌ Row does not match the condition.✅❌ Row does not match the condition.✅❌ Row does not match the condition.
SARRequired is Yes✅✅✅❌ Row does not match the condition.✅✅✅✅
SARFilingDeadline is 2026-08-09✅✅✅❌ Row does not match the condition.✅✅✅✅
SARFile holds the SAR draft's link✅✅✅❌ Row does not match the condition.✅✅✅✅
ReviewerName is Morgan Ellery✅✅✅❌ Row does not match the condition.✅✅✅✅
ReviewerRole is BSA Officer✅✅✅❌ Row does not match the condition.✅✅✅✅
ReviewDecision is Approved✅✅✅✅✅✅✅✅

0936 · 36_in_plus_out_over_income_belize

An incoming and an outgoing wire, each below income, add up to more than income; one goes to Belize.

High-Value International Wire (RULE005) · alert date 2026-07-11 · customer C-30136 · transactions TXN-71248,TXN-71255 · expected: Red, SAR due 2026-08-10

Checkgpt-5.1 · with Thunk.AIgpt-5.1 · without Thunk.AIgemini-3.5-flash · with Thunk.AIgemini-3.5-flash · without Thunk.AImistral-medium-3 · with Thunk.AImistral-medium-3 · without Thunk.AIgpt-5-mini · with Thunk.AIgpt-5-mini · without Thunk.AI
DispositionRecommendation is Red✅✅✅❌ Row does not match the condition.✅❌ Row does not match the condition.✅⚪
AlertDate is 2026-07-11✅✅✅✅✅✅✅⚪
AlertTransactions holds TXN-71248 (on the customer's account), TXN-71255 (on the customer's account)✅✅✅✅✅✅✅⚪
DataIssueTransactionIds is empty✅✅✅✅✅✅✅⚪
CustomerType is Individual✅✅✅✅✅✅✅⚪
AnnualIncomeUSD is 100000✅✅✅✅✅✅✅⚪
RiskRating is Medium✅✅✅✅✅✅✅⚪
IsPEP is No✅✅✅✅✅✅✅⚪
SourceOfFundsDocumented is No✅✅✅✅✅✅✅⚪
SanctionsFlag is No✅✅✅✅✅✅✅⚪
VolumeVsPeerRatio is 1.3✅✅✅✅✅✅✅⚪
PriorSARFilingDates is empty✅✅✅✅✅✅✅⚪
RecentTransactions holds all 4 transactions on the customer's account✅✅✅✅✅✅✅⚪
RedFlagsRaised is C, E✅❌ Row does not match the condition.✅❌ Row does not match the condition.✅✅✅⚪
UnexplainedFlags is C, E✅❌ Row does not match the condition.✅❌ Row does not match the condition.✅❌ Row does not match the condition.✅⚪
ExplainedFlags is empty✅✅✅✅✅✅✅⚪
Typology is Geographic Risk; Profile Inconsistency✅❌ Row does not match the condition.✅❌ Row does not match the condition.✅❌ Row does not match the condition.✅⚪
SARRequired is Yes✅✅✅❌ Row does not match the condition.✅❌ Row does not match the condition.✅⚪
SARFilingDeadline is 2026-08-10✅✅✅❌ Row does not match the condition.✅❌ Row does not match the condition.✅⚪
SARFile holds the SAR draft's link✅✅✅❌ Row does not match the condition.✅❌ Row does not match the condition.✅⚪
ReviewerName is Morgan Ellery✅❌ Row does not match the condition.✅❌ Row does not match the condition.✅❌ Row does not match the condition.✅⚪
ReviewerRole is BSA Officer✅❌ Row does not match the condition.✅❌ Row does not match the condition.✅❌ Row does not match the condition.✅⚪
ReviewDecision is Approved✅✅✅✅✅✅✅⚪

0937 · 37_documented_panama_supplier_but_e_and_f

A documented Panama supplier explains one flag; volume above peers and a recent SAR remain.

Trade Finance Anomaly (TBML) (RULE010) · alert date 2026-07-12 · customer C-30137 · transactions TXN-71276 · expected: Red, SAR due 2026-08-11

Checkgpt-5.1 · with Thunk.AIgpt-5.1 · without Thunk.AIgemini-3.5-flash · with Thunk.AIgemini-3.5-flash · without Thunk.AImistral-medium-3 · with Thunk.AImistral-medium-3 · without Thunk.AIgpt-5-mini · with Thunk.AIgpt-5-mini · without Thunk.AI
DispositionRecommendation is Red✅✅✅❌ Row does not match the condition.✅✅✅✅
AlertDate is 2026-07-12✅✅✅✅✅✅✅✅
AlertTransactions holds TXN-71276 (on the customer's account)✅✅✅✅✅✅✅✅
DataIssueTransactionIds is empty✅✅✅✅✅✅✅✅
CustomerType is Business✅✅✅✅✅✅✅✅
AnnualIncomeUSD is 5200000✅✅✅✅✅✅✅✅
RiskRating is Medium✅✅✅✅✅✅✅✅
IsPEP is No✅✅✅✅✅✅✅✅
SourceOfFundsDocumented is No✅✅✅✅✅✅✅✅
SanctionsFlag is No✅✅✅✅✅✅✅✅
VolumeVsPeerRatio is 2.5✅✅✅✅✅✅✅❌ Row does not match the condition.
PriorSARFilingDates holds 2025-07-12✅✅✅✅✅✅✅✅
RecentTransactions holds all 3 transactions on the customer's account✅✅✅✅✅✅✅✅
RedFlagsRaised is C, E, F✅✅✅✅✅❌ Row does not match the condition.✅✅
UnexplainedFlags is E, F✅❌ Row does not match the condition.✅❌ Row does not match the condition.✅✅✅❌ Row does not match the condition.
ExplainedFlags explains C✅❌ Row does not match the condition.✅✅✅❌ Row does not match the condition.✅❌ Row does not match the condition.
Typology is Profile Inconsistency; Repeat Subject (prior SAR)✅❌ Row does not match the condition.✅❌ Row does not match the condition.✅✅✅❌ Row does not match the condition.
SARRequired is Yes✅✅✅❌ Row does not match the condition.✅✅✅✅
SARFilingDeadline is 2026-08-11✅✅✅❌ Row does not match the condition.✅✅✅✅
SARFile holds the SAR draft's link✅✅✅❌ Row does not match the condition.✅✅✅❌ Row does not match the condition.
ReviewerName is Morgan Ellery✅✅✅❌ Row does not match the condition.✅✅✅✅
ReviewerRole is BSA Officer✅✅✅❌ Row does not match the condition.✅❌ Row does not match the condition.✅✅
ReviewDecision is Approved✅✅✅✅✅✅✅❌ Row does not match the condition.

0938 · 38_structuring_mixed_ctr

Four deposits in the range around one deposit over $10,000.

Structuring Detection (RULE003) · alert date 2026-07-13 · customer C-30138 · transactions TXN-71290,TXN-71297,TXN-71304,TXN-71311,TXN-71318 · expected: Red, SAR due 2026-08-12

Checkgpt-5.1 · with Thunk.AIgpt-5.1 · without Thunk.AIgemini-3.5-flash · with Thunk.AIgemini-3.5-flash · without Thunk.AImistral-medium-3 · with Thunk.AImistral-medium-3 · without Thunk.AIgpt-5-mini · with Thunk.AIgpt-5-mini · without Thunk.AI
DispositionRecommendation is Red✅✅✅✅✅✅✅✅
AlertDate is 2026-07-13✅✅✅✅✅✅✅✅
AlertTransactions holds TXN-71290 (on the customer's account), TXN-71297 (on the customer's account), TXN-71304 (on the customer's account), TXN-71311 (on the customer's account), TXN-71318 (on the customer's account)✅✅✅✅✅✅✅✅
DataIssueTransactionIds is empty✅✅✅✅✅✅✅✅
CustomerType is Business✅✅✅✅✅✅✅✅
AnnualIncomeUSD is 900000✅✅✅✅✅✅✅✅
RiskRating is Medium✅✅✅✅✅✅✅✅
IsPEP is No✅✅✅✅✅✅✅✅
SourceOfFundsDocumented is No✅✅✅✅✅✅✅✅
SanctionsFlag is No✅✅✅✅✅✅✅✅
VolumeVsPeerRatio is 1.2✅✅✅✅✅✅✅✅
PriorSARFilingDates is empty✅✅✅✅✅✅✅✅
RecentTransactions holds all 6 transactions on the customer's account✅✅✅✅✅✅✅✅
RedFlagsRaised is A✅✅✅✅✅✅✅✅
UnexplainedFlags is A✅✅✅✅✅✅✅✅
ExplainedFlags is empty✅✅✅✅✅✅✅✅
Typology is Structuring✅❌ Row does not match the condition.✅❌ Row does not match the condition.✅❌ Row does not match the condition.✅❌ Row does not match the condition.
SARRequired is Yes✅✅✅✅✅✅✅✅
SARFilingDeadline is 2026-08-12✅✅✅✅✅✅✅✅
SARFile holds the SAR draft's link✅✅✅✅✅❌ Row does not match the condition.✅❌ Row does not match the condition.
ReviewerName is Morgan Ellery✅✅✅✅✅❌ Row does not match the condition.✅✅
ReviewerRole is BSA Officer✅✅✅❌ Row does not match the condition.✅❌ Row does not match the condition.✅✅
ReviewDecision is Approved✅✅✅✅✅❌ Row does not match the condition.✅❌ Row does not match the condition.

0939 · 39_memo_inheritance_haiti

A large inflow is labelled INHERITANCE only in its memo; a wire goes to Haiti.

High-Value International Wire (RULE005) · alert date 2026-07-14 · customer C-30139 · transactions TXN-71339,TXN-71346 · expected: Red, SAR due 2026-08-13

Checkgpt-5.1 · with Thunk.AIgpt-5.1 · without Thunk.AIgemini-3.5-flash · with Thunk.AIgemini-3.5-flash · without Thunk.AImistral-medium-3 · with Thunk.AImistral-medium-3 · without Thunk.AIgpt-5-mini · with Thunk.AIgpt-5-mini · without Thunk.AI
DispositionRecommendation is Red✅✅✅✅✅✅✅✅
AlertDate is 2026-07-14✅✅✅✅✅✅✅✅
AlertTransactions holds TXN-71339 (on the customer's account), TXN-71346 (on the customer's account)✅✅✅✅✅✅✅✅
DataIssueTransactionIds is empty✅✅✅✅✅✅✅✅
CustomerType is Individual✅✅✅✅✅✅✅✅
AnnualIncomeUSD is 42000✅✅✅✅✅✅✅✅
RiskRating is Medium✅✅✅✅✅✅✅✅
IsPEP is No✅✅✅✅✅✅✅✅
SourceOfFundsDocumented is No✅✅✅✅✅✅✅✅
SanctionsFlag is No✅✅✅✅✅✅✅✅
VolumeVsPeerRatio is 1.4✅✅✅✅✅✅✅❌ Row does not match the condition.
PriorSARFilingDates is empty✅✅✅✅✅✅✅✅
RecentTransactions holds all 4 transactions on the customer's account✅✅✅✅✅✅✅✅
RedFlagsRaised is C, E✅✅✅✅✅❌ Row does not match the condition.✅❌ Row does not match the condition.
UnexplainedFlags is C, E✅✅✅✅✅❌ Row does not match the condition.✅❌ Row does not match the condition.
ExplainedFlags is empty✅✅✅✅✅✅✅✅
Typology is Geographic Risk; Profile Inconsistency✅❌ Row does not match the condition.✅❌ Row does not match the condition.✅❌ Row does not match the condition.✅❌ Row does not match the condition.
SARRequired is Yes✅✅✅✅✅✅✅✅
SARFilingDeadline is 2026-08-13✅✅✅✅✅✅✅✅
SARFile holds the SAR draft's link✅✅✅✅✅✅✅❌ Row does not match the condition.
ReviewerName is Morgan Ellery✅✅✅✅✅✅✅✅
ReviewerRole is BSA Officer✅✅✅❌ Row does not match the condition.✅✅✅✅
ReviewDecision is Approved✅✅✅✅✅✅✅❌ Row does not match the condition.

0940 · 40_stale_false_positive_russia

A false-positive case 14 months ago covered the customer's volume; a wire goes to Russia.

High-Value International Wire (RULE005) · alert date 2026-07-15 · customer C-30140 · transactions TXN-71367 · expected: Red, SAR due 2026-08-14

Checkgpt-5.1 · with Thunk.AIgpt-5.1 · without Thunk.AIgemini-3.5-flash · with Thunk.AIgemini-3.5-flash · without Thunk.AImistral-medium-3 · with Thunk.AImistral-medium-3 · without Thunk.AIgpt-5-mini · with Thunk.AIgpt-5-mini · without Thunk.AI
DispositionRecommendation is Red✅✅✅✅✅❌ Row does not match the condition.✅✅
AlertDate is 2026-07-15✅✅✅✅✅✅✅✅
AlertTransactions holds TXN-71367 (on the customer's account)✅✅✅✅✅✅✅✅
DataIssueTransactionIds is empty✅✅✅✅✅✅✅✅
CustomerType is Business✅✅✅✅✅✅✅✅
AnnualIncomeUSD is 3000000✅✅✅✅✅✅✅✅
RiskRating is Medium✅✅✅✅✅✅✅✅
IsPEP is No✅✅✅✅✅✅✅✅
SourceOfFundsDocumented is No✅✅✅✅✅✅✅✅
SanctionsFlag is No✅✅✅✅✅✅✅✅
VolumeVsPeerRatio is 2.6✅✅✅✅✅✅✅❌ Row does not match the condition.
PriorSARFilingDates is empty✅✅✅✅✅✅✅✅
RecentTransactions holds all 3 transactions on the customer's account✅✅✅✅✅✅✅✅
RedFlagsRaised is C, E✅❌ Row does not match the condition.✅✅✅✅✅❌ Row does not match the condition.
UnexplainedFlags is C, E✅✅✅✅✅✅✅❌ Row does not match the condition.
ExplainedFlags is empty✅❌ Row does not match the condition.✅✅✅✅✅❌ Row does not match the condition.
Typology is Geographic Risk; Profile Inconsistency✅❌ Row does not match the condition.✅❌ Row does not match the condition.✅✅✅❌ Row does not match the condition.
SARRequired is Yes✅✅✅✅✅❌ Row does not match the condition.✅✅
SARFilingDeadline is 2026-08-14✅✅✅✅✅❌ Row does not match the condition.✅✅
SARFile holds the SAR draft's link✅✅✅✅✅❌ Row does not match the condition.✅❌ Row does not match the condition.
ReviewerName is Morgan Ellery✅✅✅✅✅❌ Row does not match the condition.✅✅
ReviewerRole is BSA Officer✅✅✅❌ Row does not match the condition.✅❌ Row does not match the condition.✅✅
ReviewDecision is Approved✅✅✅✅✅❌ Row does not match the condition.✅❌ Row does not match the condition.

0941 · 41_cayman_different_counterparty

The KYC record documents a Cayman fund, but the wire goes to a different Cayman company.

High-Value International Wire (RULE005) · alert date 2026-07-16 · customer C-30141 · transactions TXN-71395 · expected: Red, SAR due 2026-08-15

Checkgpt-5.1 · with Thunk.AIgpt-5.1 · without Thunk.AIgemini-3.5-flash · with Thunk.AIgemini-3.5-flash · without Thunk.AImistral-medium-3 · with Thunk.AImistral-medium-3 · without Thunk.AIgpt-5-mini · with Thunk.AIgpt-5-mini · without Thunk.AI
DispositionRecommendation is Red✅✅✅❌ Row does not match the condition.✅✅✅✅
AlertDate is 2026-07-16✅✅✅✅✅✅✅✅
AlertTransactions holds TXN-71395 (on the customer's account)✅✅✅✅✅✅✅✅
DataIssueTransactionIds is empty✅✅✅✅✅✅✅✅
CustomerType is Individual✅✅✅✅✅✅✅✅
AnnualIncomeUSD is 480000✅✅✅✅✅✅✅✅
RiskRating is High✅✅✅✅✅✅✅✅
IsPEP is No✅✅✅✅✅✅✅✅
SourceOfFundsDocumented is No✅✅✅✅✅✅✅✅
SanctionsFlag is No✅✅✅✅✅✅✅✅
VolumeVsPeerRatio is 2.1✅✅✅✅✅✅✅❌ Row does not match the condition.
PriorSARFilingDates is empty✅✅✅✅✅✅✅✅
RecentTransactions holds all 4 transactions on the customer's account✅✅✅✅✅✅✅✅
RedFlagsRaised is C, E✅✅✅✅✅✅✅✅
UnexplainedFlags is C, E✅✅✅❌ Row does not match the condition.✅✅✅✅
ExplainedFlags is empty✅✅✅❌ Row does not match the condition.✅✅✅✅
Typology is Geographic Risk; Profile Inconsistency✅❌ Row does not match the condition.✅❌ Row does not match the condition.✅✅✅❌ Row does not match the condition.
SARRequired is Yes✅✅✅❌ Row does not match the condition.✅✅✅✅
SARFilingDeadline is 2026-08-15✅✅✅❌ Row does not match the condition.✅✅✅✅
SARFile holds the SAR draft's link✅✅✅❌ Row does not match the condition.✅✅✅❌ Row does not match the condition.
ReviewerName is Morgan Ellery✅❌ Row does not match the condition.✅❌ Row does not match the condition.✅✅✅✅
ReviewerRole is BSA Officer✅❌ Row does not match the condition.✅❌ Row does not match the condition.✅✅✅✅
ReviewDecision is Approved✅✅✅✅✅✅✅❌ Row does not match the condition.

0942 · 42_crypto_seychelles_pass_through

Peer transfers in are sent on the next day to a crypto exchange in the Seychelles.

Cryptocurrency Bridge Indicator (RULE012) · alert date 2026-07-17 · customer C-30142 · transactions TXN-71416,TXN-71423 · expected: Red, SAR due 2026-08-16

Checkgpt-5.1 · with Thunk.AIgpt-5.1 · without Thunk.AIgemini-3.5-flash · with Thunk.AIgemini-3.5-flash · without Thunk.AImistral-medium-3 · with Thunk.AImistral-medium-3 · without Thunk.AIgpt-5-mini · with Thunk.AIgpt-5-mini · without Thunk.AI
DispositionRecommendation is Red✅✅✅✅✅❌ Row does not match the condition.✅✅
AlertDate is 2026-07-17✅✅✅✅✅✅✅✅
AlertTransactions holds TXN-71416 (on the customer's account), TXN-71423 (on the customer's account)✅✅✅✅✅✅✅✅
DataIssueTransactionIds is empty✅✅✅✅✅✅✅✅
CustomerType is Individual✅✅✅✅✅✅✅✅
AnnualIncomeUSD is 90000✅✅✅✅✅✅✅✅
RiskRating is Medium✅✅✅✅✅✅✅✅
IsPEP is No✅✅✅✅✅✅✅✅
SourceOfFundsDocumented is No✅✅✅✅✅✅✅✅
SanctionsFlag is No✅✅✅✅✅✅✅✅
VolumeVsPeerRatio is 1.3✅✅✅✅✅✅✅❌ Row does not match the condition.
PriorSARFilingDates is empty✅✅✅✅✅✅✅✅
RecentTransactions holds all 4 transactions on the customer's account✅✅✅✅✅✅✅✅
RedFlagsRaised is C, D✅❌ Row does not match the condition.✅✅✅❌ Row does not match the condition.✅❌ Row does not match the condition.
UnexplainedFlags is C, D✅❌ Row does not match the condition.✅✅✅❌ Row does not match the condition.✅❌ Row does not match the condition.
ExplainedFlags is empty✅✅✅✅✅✅✅✅
Typology is Geographic Risk; Layering✅❌ Row does not match the condition.✅❌ Row does not match the condition.✅❌ Row does not match the condition.✅❌ Row does not match the condition.
SARRequired is Yes✅✅✅✅✅❌ Row does not match the condition.✅✅
SARFilingDeadline is 2026-08-16✅✅✅✅✅❌ Row does not match the condition.✅✅
SARFile holds the SAR draft's link✅✅✅✅✅❌ Row does not match the condition.✅✅
ReviewerName is Morgan Ellery✅✅✅✅✅❌ Row does not match the condition.✅✅
ReviewerRole is BSA Officer✅✅✅❌ Row does not match the condition.✅❌ Row does not match the condition.✅✅
ReviewDecision is Approved✅✅✅✅✅✅✅✅

0943 · 43_deposits_over_6_days

Three deposits in the range spread over six days exceed a student's income.

Structuring Detection (RULE003) · alert date 2026-07-18 · customer C-30143 · transactions TXN-71444,TXN-71451,TXN-71458 · expected: Amber, no SAR

Checkgpt-5.1 · with Thunk.AIgpt-5.1 · without Thunk.AIgemini-3.5-flash · with Thunk.AIgemini-3.5-flash · without Thunk.AImistral-medium-3 · with Thunk.AImistral-medium-3 · without Thunk.AIgpt-5-mini · with Thunk.AIgpt-5-mini · without Thunk.AI
DispositionRecommendation is Amber✅❌ Row does not match the condition.✅❌ Row does not match the condition.✅❌ Row does not match the condition.✅❌ Row does not match the condition.
AlertDate is 2026-07-18✅✅✅✅✅✅✅✅
AlertTransactions holds TXN-71444 (on the customer's account), TXN-71451 (on the customer's account), TXN-71458 (on the customer's account)✅✅✅✅✅✅✅✅
DataIssueTransactionIds is empty✅✅✅✅✅✅✅✅
CustomerType is Individual✅✅✅✅✅✅✅✅
AnnualIncomeUSD is 18000✅✅✅✅✅✅✅✅
RiskRating is Medium✅✅✅✅✅✅✅✅
IsPEP is No✅✅✅✅✅✅✅✅
SourceOfFundsDocumented is No✅✅✅✅✅✅✅✅
SanctionsFlag is No✅✅✅✅✅✅✅✅
VolumeVsPeerRatio is 1.5✅✅✅✅✅✅✅❌ Row does not match the condition.
PriorSARFilingDates is empty✅✅✅✅✅✅✅✅
RecentTransactions holds all 5 transactions on the customer's account✅✅✅✅✅✅✅✅
RedFlagsRaised is E✅❌ Row does not match the condition.✅❌ Row does not match the condition.✅❌ Row does not match the condition.✅❌ Row does not match the condition.
UnexplainedFlags is E✅❌ Row does not match the condition.✅❌ Row does not match the condition.✅❌ Row does not match the condition.✅❌ Row does not match the condition.
ExplainedFlags is empty✅✅✅✅✅✅✅✅
Typology is Profile Inconsistency✅❌ Row does not match the condition.✅❌ Row does not match the condition.✅❌ Row does not match the condition.✅❌ Row does not match the condition.
SARRequired is No✅❌ Row does not match the condition.✅❌ Row does not match the condition.✅❌ Row does not match the condition.✅❌ Row does not match the condition.
SARFilingDeadline is empty✅❌ Row does not match the condition.✅❌ Row does not match the condition.✅❌ Row does not match the condition.✅❌ Row does not match the condition.
SARFile is empty✅❌ Row does not match the condition.✅❌ Row does not match the condition.✅❌ Row does not match the condition.✅✅
ReviewerName is Jordan Okafor✅❌ Row does not match the condition.✅❌ Row does not match the condition.✅❌ Row does not match the condition.✅❌ Row does not match the condition.
ReviewerRole is AML Team Lead✅❌ Row does not match the condition.✅❌ Row does not match the condition.✅❌ Row does not match the condition.✅❌ Row does not match the condition.
ReviewDecision is Approved✅✅✅✅✅✅✅❌ Row does not match the condition.

0944 · 44_deposit_exactly_10000

Deposits of $9,500, $10,000 and $9,800 in three days; volume is 2.1 times the peers'.

Structuring Detection (RULE003) · alert date 2026-07-19 · customer C-30144 · transactions TXN-71479,TXN-71486,TXN-71493 · expected: Amber, no SAR

Checkgpt-5.1 · with Thunk.AIgpt-5.1 · without Thunk.AIgemini-3.5-flash · with Thunk.AIgemini-3.5-flash · without Thunk.AImistral-medium-3 · with Thunk.AImistral-medium-3 · without Thunk.AIgpt-5-mini · with Thunk.AIgpt-5-mini · without Thunk.AI
DispositionRecommendation is Amber✅❌ Row does not match the condition.✅✅✅❌ Row does not match the condition.✅❌ Row does not match the condition.
AlertDate is 2026-07-19✅✅✅✅✅✅✅✅
AlertTransactions holds TXN-71479 (on the customer's account), TXN-71486 (on the customer's account), TXN-71493 (on the customer's account)✅✅✅✅✅✅✅✅
DataIssueTransactionIds is empty✅✅✅✅✅✅✅✅
CustomerType is Individual✅✅✅✅✅✅✅✅
AnnualIncomeUSD is 80000✅✅✅✅✅✅✅✅
RiskRating is Medium✅✅✅✅✅✅✅✅
IsPEP is No✅✅✅✅✅✅✅✅
SourceOfFundsDocumented is No✅✅✅✅✅✅✅✅
SanctionsFlag is No✅✅✅✅✅✅✅✅
VolumeVsPeerRatio is 2.1✅✅✅✅✅✅✅❌ Row does not match the condition.
PriorSARFilingDates is empty✅✅✅✅✅✅✅✅
RecentTransactions holds all 5 transactions on the customer's account✅✅✅✅✅✅✅❌ Row does not match the condition.
RedFlagsRaised is E✅❌ Row does not match the condition.✅✅✅❌ Row does not match the condition.✅❌ Row does not match the condition.
UnexplainedFlags is E✅❌ Row does not match the condition.✅✅✅❌ Row does not match the condition.✅❌ Row does not match the condition.
ExplainedFlags is empty✅✅✅✅✅✅✅✅
Typology is Profile Inconsistency✅❌ Row does not match the condition.✅❌ Row does not match the condition.✅❌ Row does not match the condition.✅❌ Row does not match the condition.
SARRequired is No✅❌ Row does not match the condition.✅✅✅❌ Row does not match the condition.✅❌ Row does not match the condition.
SARFilingDeadline is empty✅❌ Row does not match the condition.✅✅✅❌ Row does not match the condition.✅❌ Row does not match the condition.
SARFile is empty✅❌ Row does not match the condition.✅✅✅❌ Row does not match the condition.✅✅
ReviewerName is Jordan Okafor✅❌ Row does not match the condition.✅✅✅❌ Row does not match the condition.✅❌ Row does not match the condition.
ReviewerRole is AML Team Lead✅❌ Row does not match the condition.✅❌ Row does not match the condition.✅❌ Row does not match the condition.✅❌ Row does not match the condition.
ReviewDecision is Approved✅✅✅✅✅✅✅❌ Row does not match the condition.

0945 · 45_deposit_7999_and_sar_20_months

Deposits of $7,999.99, $8,200 and $9,100; a SAR 20 months ago.

Structuring Detection (RULE003) · alert date 2026-07-20 · customer C-30145 · transactions TXN-71514,TXN-71521,TXN-71528 · expected: Amber, no SAR

Checkgpt-5.1 · with Thunk.AIgpt-5.1 · without Thunk.AIgemini-3.5-flash · with Thunk.AIgemini-3.5-flash · without Thunk.AImistral-medium-3 · with Thunk.AImistral-medium-3 · without Thunk.AIgpt-5-mini · with Thunk.AIgpt-5-mini · without Thunk.AI
DispositionRecommendation is Amber✅❌ Row does not match the condition.✅❌ Row does not match the condition.✅❌ Row does not match the condition.✅❌ Row does not match the condition.
AlertDate is 2026-07-20✅✅✅✅✅✅✅✅
AlertTransactions holds TXN-71514 (on the customer's account), TXN-71521 (on the customer's account), TXN-71528 (on the customer's account)✅✅✅✅✅✅✅✅
DataIssueTransactionIds is empty✅✅✅✅✅✅✅✅
CustomerType is Individual✅✅✅✅✅✅✅✅
AnnualIncomeUSD is 70000✅✅✅✅✅✅✅✅
RiskRating is Medium✅✅✅✅✅✅✅✅
IsPEP is No✅✅✅✅✅✅✅✅
SourceOfFundsDocumented is No✅✅✅✅✅✅✅✅
SanctionsFlag is No✅✅✅✅✅✅✅✅
VolumeVsPeerRatio is 1.2✅✅✅✅✅✅✅❌ Row does not match the condition.
PriorSARFilingDates holds 2024-11-20✅✅✅✅✅✅✅✅
RecentTransactions holds all 5 transactions on the customer's account✅✅✅✅✅✅✅✅
RedFlagsRaised is F✅❌ Row does not match the condition.✅❌ Row does not match the condition.✅❌ Row does not match the condition.✅❌ Row does not match the condition.
UnexplainedFlags is F✅❌ Row does not match the condition.✅❌ Row does not match the condition.✅❌ Row does not match the condition.✅❌ Row does not match the condition.
ExplainedFlags is empty✅✅✅✅✅✅✅❌ Row does not match the condition.
Typology is Repeat Subject (prior SAR)✅❌ Row does not match the condition.✅❌ Row does not match the condition.✅❌ Row does not match the condition.✅❌ Row does not match the condition.
SARRequired is No✅❌ Row does not match the condition.✅❌ Row does not match the condition.✅❌ Row does not match the condition.✅❌ Row does not match the condition.
SARFilingDeadline is empty✅❌ Row does not match the condition.✅❌ Row does not match the condition.✅❌ Row does not match the condition.✅❌ Row does not match the condition.
SARFile is empty✅❌ Row does not match the condition.✅❌ Row does not match the condition.✅❌ Row does not match the condition.✅✅
ReviewerName is Jordan Okafor✅❌ Row does not match the condition.✅❌ Row does not match the condition.✅❌ Row does not match the condition.✅❌ Row does not match the condition.
ReviewerRole is AML Team Lead✅❌ Row does not match the condition.✅❌ Row does not match the condition.✅❌ Row does not match the condition.✅❌ Row does not match the condition.
ReviewDecision is Approved✅✅✅✅✅✅✅❌ Row does not match the condition.

0946 · 46_pass_through_79_yemen

79% of a receipt is sent on within two days, to Yemen.

Rapid Fund Movement (Pass-Through) (RULE009) · alert date 2026-07-21 · customer C-30146 · transactions TXN-71549,TXN-71556 · expected: Amber, no SAR

Checkgpt-5.1 · with Thunk.AIgpt-5.1 · without Thunk.AIgemini-3.5-flash · with Thunk.AIgemini-3.5-flash · without Thunk.AImistral-medium-3 · with Thunk.AImistral-medium-3 · without Thunk.AIgpt-5-mini · with Thunk.AIgpt-5-mini · without Thunk.AI
DispositionRecommendation is Amber✅✅✅❌ Row does not match the condition.✅✅✅❌ Row does not match the condition.
AlertDate is 2026-07-21✅✅✅✅✅✅✅✅
AlertTransactions holds TXN-71549 (on the customer's account), TXN-71556 (on the customer's account)✅✅✅✅✅✅✅✅
DataIssueTransactionIds is empty✅✅✅✅✅✅✅✅
CustomerType is Individual✅✅✅✅✅✅✅✅
AnnualIncomeUSD is 300000✅✅✅✅✅✅✅✅
RiskRating is Medium✅✅✅✅✅✅✅✅
IsPEP is No✅✅✅✅✅✅✅✅
SourceOfFundsDocumented is No✅✅✅✅✅✅✅✅
SanctionsFlag is No✅✅✅✅✅✅✅✅
VolumeVsPeerRatio is 1.2✅✅✅✅✅✅✅❌ Row does not match the condition.
PriorSARFilingDates is empty✅✅✅✅✅✅✅✅
RecentTransactions holds all 4 transactions on the customer's account✅✅✅✅✅✅✅✅
RedFlagsRaised is C✅✅✅❌ Row does not match the condition.✅❌ Row does not match the condition.✅❌ Row does not match the condition.
UnexplainedFlags is C✅✅✅❌ Row does not match the condition.✅❌ Row does not match the condition.✅❌ Row does not match the condition.
ExplainedFlags is empty✅✅✅✅✅✅✅❌ Row does not match the condition.
Typology is Geographic Risk✅❌ Row does not match the condition.✅❌ Row does not match the condition.✅❌ Row does not match the condition.✅❌ Row does not match the condition.
SARRequired is No✅✅✅❌ Row does not match the condition.✅✅✅❌ Row does not match the condition.
SARFilingDeadline is empty✅✅✅❌ Row does not match the condition.✅✅✅❌ Row does not match the condition.
SARFile is empty✅✅✅❌ Row does not match the condition.✅✅✅✅
ReviewerName is Jordan Okafor✅✅✅❌ Row does not match the condition.✅✅✅❌ Row does not match the condition.
ReviewerRole is AML Team Lead✅✅✅❌ Row does not match the condition.✅✅✅❌ Row does not match the condition.
ReviewDecision is Approved✅✅✅✅✅✅✅❌ Row does not match the condition.

0947 · 47_pass_through_4_day_gap

Funds are received and mostly sent on four days later; volume is 2.2 times the peers'.

Rapid Fund Movement (Pass-Through) (RULE009) · alert date 2026-07-22 · customer C-30147 · transactions TXN-71577,TXN-71584 · expected: Amber, no SAR

Checkgpt-5.1 · with Thunk.AIgpt-5.1 · without Thunk.AIgemini-3.5-flash · with Thunk.AIgemini-3.5-flash · without Thunk.AImistral-medium-3 · with Thunk.AImistral-medium-3 · without Thunk.AIgpt-5-mini · with Thunk.AIgpt-5-mini · without Thunk.AI
DispositionRecommendation is Amber✅❌ Row does not match the condition.✅✅✅❌ Row does not match the condition.✅⚪
AlertDate is 2026-07-22✅✅✅✅✅✅✅⚪
AlertTransactions holds TXN-71577 (on the customer's account), TXN-71584 (on the customer's account)✅✅✅✅✅✅✅⚪
DataIssueTransactionIds is empty✅✅✅✅✅✅✅⚪
CustomerType is Individual✅✅✅✅✅✅✅⚪
AnnualIncomeUSD is 400000✅✅✅✅✅✅✅⚪
RiskRating is Medium✅✅✅✅✅✅✅⚪
IsPEP is No✅✅✅✅✅✅✅⚪
SourceOfFundsDocumented is No✅✅✅✅✅✅✅⚪
SanctionsFlag is No✅✅✅✅✅✅✅⚪
VolumeVsPeerRatio is 2.2✅✅✅✅✅✅✅⚪
PriorSARFilingDates is empty✅✅✅✅✅✅✅⚪
RecentTransactions holds all 4 transactions on the customer's account✅✅✅✅✅✅✅⚪
RedFlagsRaised is E✅❌ Row does not match the condition.✅✅✅❌ Row does not match the condition.✅⚪
UnexplainedFlags is E✅❌ Row does not match the condition.✅✅✅❌ Row does not match the condition.✅⚪
ExplainedFlags is empty✅✅✅✅✅✅✅⚪
Typology is Profile Inconsistency✅❌ Row does not match the condition.✅❌ Row does not match the condition.✅❌ Row does not match the condition.✅⚪
SARRequired is No✅❌ Row does not match the condition.✅✅✅❌ Row does not match the condition.✅⚪
SARFilingDeadline is empty✅❌ Row does not match the condition.✅✅✅❌ Row does not match the condition.✅⚪
SARFile is empty✅❌ Row does not match the condition.✅✅✅❌ Row does not match the condition.✅⚪
ReviewerName is Jordan Okafor✅❌ Row does not match the condition.✅✅✅❌ Row does not match the condition.✅⚪
ReviewerRole is AML Team Lead✅❌ Row does not match the condition.✅❌ Row does not match the condition.✅❌ Row does not match the condition.✅⚪
ReviewDecision is Approved✅✅✅✅✅✅✅⚪

0948 · 48_total_equals_income_belize

A wire to Belize for exactly the customer's annual income.

High-Value International Wire (RULE005) · alert date 2026-07-23 · customer C-30148 · transactions TXN-71612 · expected: Amber, no SAR

Checkgpt-5.1 · with Thunk.AIgpt-5.1 · without Thunk.AIgemini-3.5-flash · with Thunk.AIgemini-3.5-flash · without Thunk.AImistral-medium-3 · with Thunk.AImistral-medium-3 · without Thunk.AIgpt-5-mini · with Thunk.AIgpt-5-mini · without Thunk.AI
DispositionRecommendation is Amber✅❌ Row does not match the condition.✅❌ Row does not match the condition.✅✅✅⚪
AlertDate is 2026-07-23✅✅✅✅✅✅✅⚪
AlertTransactions holds TXN-71612 (on the customer's account)✅✅✅✅✅✅✅⚪
DataIssueTransactionIds is empty✅✅✅✅✅✅✅⚪
CustomerType is Individual✅✅✅✅✅✅✅⚪
AnnualIncomeUSD is 60000✅✅✅✅✅✅✅⚪
RiskRating is Medium✅✅✅✅✅✅✅⚪
IsPEP is No✅✅✅✅✅✅✅⚪
SourceOfFundsDocumented is No✅✅✅✅✅✅✅⚪
SanctionsFlag is No✅✅✅✅✅✅✅⚪
VolumeVsPeerRatio is 1.3✅✅✅✅✅✅✅⚪
PriorSARFilingDates is empty✅✅✅✅✅✅✅⚪
RecentTransactions holds all 4 transactions on the customer's account✅✅✅✅✅✅✅⚪
RedFlagsRaised is C✅❌ Row does not match the condition.✅❌ Row does not match the condition.✅❌ Row does not match the condition.✅⚪
UnexplainedFlags is C✅❌ Row does not match the condition.✅❌ Row does not match the condition.✅❌ Row does not match the condition.✅⚪
ExplainedFlags is empty✅✅✅✅✅✅✅⚪
Typology is Geographic Risk✅❌ Row does not match the condition.✅❌ Row does not match the condition.✅❌ Row does not match the condition.✅⚪
SARRequired is No✅❌ Row does not match the condition.✅❌ Row does not match the condition.✅✅✅⚪
SARFilingDeadline is empty✅❌ Row does not match the condition.✅❌ Row does not match the condition.✅✅✅⚪
SARFile is empty✅❌ Row does not match the condition.✅❌ Row does not match the condition.✅✅✅⚪
ReviewerName is Jordan Okafor✅✅✅❌ Row does not match the condition.✅✅✅⚪
ReviewerRole is AML Team Lead✅✅✅❌ Row does not match the condition.✅✅✅⚪
ReviewDecision is Approved✅✅✅✅✅✅✅⚪

0949 · 49_sar_25_months_pass_through

A SAR 25 months ago, and funds received and sent on the next day.

Rapid Fund Movement (Pass-Through) (RULE009) · alert date 2026-07-24 · customer C-30149 · transactions TXN-71633,TXN-71640 · expected: Amber, no SAR

Checkgpt-5.1 · with Thunk.AIgpt-5.1 · without Thunk.AIgemini-3.5-flash · with Thunk.AIgemini-3.5-flash · without Thunk.AImistral-medium-3 · with Thunk.AImistral-medium-3 · without Thunk.AIgpt-5-mini · with Thunk.AIgpt-5-mini · without Thunk.AI
DispositionRecommendation is Amber✅✅✅⚪✅❌ Row does not match the condition.✅❌ Row does not match the condition.
AlertDate is 2026-07-24✅✅✅⚪✅✅✅✅
AlertTransactions holds TXN-71633 (on the customer's account), TXN-71640 (on the customer's account)✅✅✅⚪✅✅✅✅
DataIssueTransactionIds is empty✅✅✅⚪✅✅✅✅
CustomerType is Individual✅✅✅⚪✅✅✅✅
AnnualIncomeUSD is 260000✅✅✅⚪✅✅✅✅
RiskRating is Medium✅✅✅⚪✅✅✅✅
IsPEP is No✅✅✅⚪✅✅✅✅
SourceOfFundsDocumented is No✅✅✅⚪✅✅✅✅
SanctionsFlag is No✅✅✅⚪✅✅✅✅
VolumeVsPeerRatio is 1.5✅✅✅⚪✅✅✅❌ Row does not match the condition.
PriorSARFilingDates holds 2024-06-24✅✅✅⚪✅✅✅✅
RecentTransactions holds all 4 transactions on the customer's account✅✅✅⚪✅✅✅✅
RedFlagsRaised is D✅❌ Row does not match the condition.✅⚪✅❌ Row does not match the condition.✅❌ Row does not match the condition.
UnexplainedFlags is D✅✅✅⚪✅❌ Row does not match the condition.✅❌ Row does not match the condition.
ExplainedFlags is empty✅❌ Row does not match the condition.✅⚪✅✅✅❌ Row does not match the condition.
Typology is Layering✅❌ Row does not match the condition.✅⚪✅❌ Row does not match the condition.✅❌ Row does not match the condition.
SARRequired is No✅✅✅⚪✅❌ Row does not match the condition.✅❌ Row does not match the condition.
SARFilingDeadline is empty✅✅✅⚪✅❌ Row does not match the condition.✅❌ Row does not match the condition.
SARFile is empty✅✅✅⚪✅❌ Row does not match the condition.✅✅
ReviewerName is Jordan Okafor✅✅✅⚪✅❌ Row does not match the condition.✅❌ Row does not match the condition.
ReviewerRole is AML Team Lead✅✅✅⚪✅❌ Row does not match the condition.✅❌ Row does not match the condition.
ReviewDecision is Approved✅✅✅⚪✅✅✅❌ Row does not match the condition.

0950 · 50_escrow_pass_through_explained_prior_sar

A title agent's documented escrow flow explains a pass-through; a SAR 10 months ago remains.

Rapid Fund Movement (Pass-Through) (RULE009) · alert date 2026-07-25 · customer C-30150 · transactions TXN-71654,TXN-71661 · expected: Amber, no SAR

Checkgpt-5.1 · with Thunk.AIgpt-5.1 · without Thunk.AIgemini-3.5-flash · with Thunk.AIgemini-3.5-flash · without Thunk.AImistral-medium-3 · with Thunk.AImistral-medium-3 · without Thunk.AIgpt-5-mini · with Thunk.AIgpt-5-mini · without Thunk.AI
DispositionRecommendation is Amber✅⚪✅❌ Row does not match the condition.✅❌ Row does not match the condition.✅❌ Row does not match the condition.
AlertDate is 2026-07-25✅⚪✅✅✅✅✅✅
AlertTransactions holds TXN-71654 (on the customer's account), TXN-71661 (on the customer's account)✅⚪✅✅✅✅✅✅
DataIssueTransactionIds is empty✅⚪✅✅✅✅✅✅
CustomerType is Business✅⚪✅✅✅✅✅✅
AnnualIncomeUSD is 8000000✅⚪✅✅✅✅✅✅
RiskRating is Medium✅⚪✅✅✅✅✅✅
IsPEP is No✅⚪✅✅✅✅✅✅
SourceOfFundsDocumented is No✅⚪✅✅✅✅✅✅
SanctionsFlag is No✅⚪✅✅✅✅✅✅
VolumeVsPeerRatio is 1.2✅⚪✅✅✅✅✅❌ Row does not match the condition.
PriorSARFilingDates holds 2025-09-25✅⚪✅✅✅✅✅✅
RecentTransactions holds all 3 transactions on the customer's account✅⚪✅✅✅✅✅✅
RedFlagsRaised is D, F✅⚪✅✅✅✅✅❌ Row does not match the condition.
UnexplainedFlags is F✅⚪✅❌ Row does not match the condition.✅❌ Row does not match the condition.✅❌ Row does not match the condition.
ExplainedFlags explains D✅⚪✅✅✅❌ Row does not match the condition.✅❌ Row does not match the condition.
Typology is Repeat Subject (prior SAR)✅⚪✅❌ Row does not match the condition.✅❌ Row does not match the condition.✅❌ Row does not match the condition.
SARRequired is No✅⚪✅✅✅❌ Row does not match the condition.✅❌ Row does not match the condition.
SARFilingDeadline is empty✅⚪✅✅✅❌ Row does not match the condition.✅❌ Row does not match the condition.
SARFile is empty✅⚪✅✅✅❌ Row does not match the condition.✅✅
ReviewerName is Jordan Okafor✅⚪✅✅✅❌ Row does not match the condition.✅❌ Row does not match the condition.
ReviewerRole is AML Team Lead✅⚪✅❌ Row does not match the condition.✅❌ Row does not match the condition.✅❌ Row does not match the condition.
ReviewDecision is Approved✅⚪✅✅✅✅✅❌ Row does not match the condition.

0951 · 51_pep_documented_salary_peer_2_3

A PEP with a documented source of funds (salary) runs at 2.3 times the peers' volume.

PEP Transaction Monitor (RULE011) · alert date 2026-07-26 · customer C-30151 · transactions TXN-71682 · expected: Amber, no SAR

Checkgpt-5.1 · with Thunk.AIgpt-5.1 · without Thunk.AIgemini-3.5-flash · with Thunk.AIgemini-3.5-flash · without Thunk.AImistral-medium-3 · with Thunk.AImistral-medium-3 · without Thunk.AIgpt-5-mini · with Thunk.AIgpt-5-mini · without Thunk.AI
DispositionRecommendation is Amber✅❌ Row does not match the condition.✅✅✅✅✅❌ Row does not match the condition.
AlertDate is 2026-07-26✅✅✅✅✅✅✅✅
AlertTransactions holds TXN-71682 (on the customer's account)✅✅✅✅✅✅✅✅
DataIssueTransactionIds is empty✅✅✅✅✅✅✅✅
CustomerType is Individual✅✅✅✅✅✅✅✅
AnnualIncomeUSD is 200000✅✅✅✅✅✅✅✅
RiskRating is High✅✅✅✅✅✅✅✅
IsPEP is Yes✅✅✅✅✅✅✅✅
SourceOfFundsDocumented is Yes✅✅✅✅✅✅✅✅
SanctionsFlag is No✅✅✅✅✅✅✅✅
VolumeVsPeerRatio is 2.3✅✅✅✅✅✅✅❌ Row does not match the condition.
PriorSARFilingDates is empty✅✅✅✅✅✅✅✅
RecentTransactions holds all 3 transactions on the customer's account✅✅✅✅✅✅✅✅
RedFlagsRaised is E✅❌ Row does not match the condition.✅✅✅✅✅❌ Row does not match the condition.
UnexplainedFlags is E✅❌ Row does not match the condition.✅✅✅✅✅❌ Row does not match the condition.
ExplainedFlags is empty✅✅✅✅✅✅✅✅
Typology is Profile Inconsistency✅❌ Row does not match the condition.✅❌ Row does not match the condition.✅✅✅❌ Row does not match the condition.
SARRequired is No✅❌ Row does not match the condition.✅✅✅✅✅❌ Row does not match the condition.
SARFilingDeadline is empty✅❌ Row does not match the condition.✅✅✅✅✅❌ Row does not match the condition.
SARFile is empty✅❌ Row does not match the condition.✅✅✅✅✅✅
ReviewerName is Jordan Okafor✅❌ Row does not match the condition.✅✅✅✅✅❌ Row does not match the condition.
ReviewerRole is AML Team Lead✅❌ Row does not match the condition.✅❌ Row does not match the condition.✅❌ Row does not match the condition.✅❌ Row does not match the condition.
ReviewDecision is Approved✅✅✅✅✅✅✅❌ Row does not match the condition.

0952 · 52_cuba_in_history_haiti_alerted

An old, unlisted wire went to Cuba; the alerted wire goes to Haiti.

High-Risk Country Transactions (RULE007) · alert date 2026-07-27 · customer C-30152 · transactions TXN-71717 · expected: Amber, no SAR

Checkgpt-5.1 · with Thunk.AIgpt-5.1 · without Thunk.AIgemini-3.5-flash · with Thunk.AIgemini-3.5-flash · without Thunk.AImistral-medium-3 · with Thunk.AImistral-medium-3 · without Thunk.AIgpt-5-mini · with Thunk.AIgpt-5-mini · without Thunk.AI
DispositionRecommendation is Amber✅❌ Row does not match the condition.✅✅✅✅✅❌ Row does not match the condition.
AlertDate is 2026-07-27✅✅✅✅✅✅✅✅
AlertTransactions holds TXN-71717 (on the customer's account)✅✅✅✅✅✅✅✅
DataIssueTransactionIds is empty✅✅✅✅✅✅✅✅
CustomerType is Individual✅✅✅✅✅✅✅✅
AnnualIncomeUSD is 115000✅✅✅✅✅✅✅✅
RiskRating is Medium✅✅✅✅✅✅✅✅
IsPEP is No✅✅✅✅✅✅✅✅
SourceOfFundsDocumented is No✅✅✅✅✅✅✅✅
SanctionsFlag is No✅✅✅✅✅✅✅✅
VolumeVsPeerRatio is 1.1✅✅✅✅✅✅✅✅
PriorSARFilingDates is empty✅✅✅✅✅✅✅✅
RecentTransactions holds all 5 transactions on the customer's account✅✅✅✅✅✅✅❌ Row does not match the condition.
RedFlagsRaised is C✅❌ Row does not match the condition.✅✅✅✅✅✅
UnexplainedFlags is C✅❌ Row does not match the condition.✅✅✅✅✅✅
ExplainedFlags is empty✅✅✅✅✅✅✅✅
Typology is Geographic Risk✅❌ Row does not match the condition.✅❌ Row does not match the condition.✅✅✅❌ Row does not match the condition.
SARRequired is No✅❌ Row does not match the condition.✅✅✅✅✅❌ Row does not match the condition.
SARFilingDeadline is empty✅❌ Row does not match the condition.✅✅✅✅✅❌ Row does not match the condition.
SARFile is empty✅❌ Row does not match the condition.✅✅✅✅✅✅
ReviewerName is Jordan Okafor✅❌ Row does not match the condition.✅✅✅✅✅❌ Row does not match the condition.
ReviewerRole is AML Team Lead✅❌ Row does not match the condition.✅❌ Row does not match the condition.✅✅✅❌ Row does not match the condition.
ReviewDecision is Approved✅✅✅✅✅✅✅❌ Row does not match the condition.

0953 · 53_data_issue_myanmar_other_customer

The listed Myanmar wire is on another customer's account; volume is 2.5 times the peers'.

High-Risk Country Transactions (RULE007) · alert date 2026-07-28 · customer C-30153 · transactions TXN-71745,TXN-71752 · expected: Amber, no SAR

Checkgpt-5.1 · with Thunk.AIgpt-5.1 · without Thunk.AIgemini-3.5-flash · with Thunk.AIgemini-3.5-flash · without Thunk.AImistral-medium-3 · with Thunk.AImistral-medium-3 · without Thunk.AIgpt-5-mini · with Thunk.AIgpt-5-mini · without Thunk.AI
DispositionRecommendation is Amber✅❌ Row does not match the condition.✅✅✅✅✅❌ Row does not match the condition.
AlertDate is 2026-07-28✅✅✅✅✅✅✅✅
AlertTransactions holds TXN-71745 (on the customer's account), TXN-71752 (not on the customer's account)✅❌ Row does not match the condition.✅✅❌ Row does not match the condition.❌ Row does not match the condition.✅✅
DataIssueTransactionIds is TXN-71752✅✅✅✅✅✅✅✅
CustomerType is Individual✅✅✅✅✅✅✅✅
AnnualIncomeUSD is 98000✅✅✅✅✅✅✅✅
RiskRating is Medium✅✅✅✅✅✅✅✅
IsPEP is No✅✅✅✅✅✅✅✅
SourceOfFundsDocumented is No✅✅✅✅✅✅✅✅
SanctionsFlag is No✅✅✅✅✅✅✅✅
VolumeVsPeerRatio is 2.5✅✅✅✅✅✅✅✅
PriorSARFilingDates is empty✅✅✅✅✅✅✅✅
RecentTransactions holds all 4 transactions on the customer's account✅✅✅✅✅✅✅✅
RedFlagsRaised is E✅❌ Row does not match the condition.✅✅✅❌ Row does not match the condition.✅❌ Row does not match the condition.
UnexplainedFlags is E✅❌ Row does not match the condition.✅✅✅❌ Row does not match the condition.✅❌ Row does not match the condition.
ExplainedFlags is empty✅✅✅✅✅✅✅✅
Typology is Profile Inconsistency✅❌ Row does not match the condition.✅❌ Row does not match the condition.✅❌ Row does not match the condition.✅❌ Row does not match the condition.
SARRequired is No✅❌ Row does not match the condition.✅✅✅✅✅❌ Row does not match the condition.
SARFilingDeadline is empty✅❌ Row does not match the condition.✅✅✅✅✅❌ Row does not match the condition.
SARFile is empty✅❌ Row does not match the condition.✅✅✅✅✅❌ Row does not match the condition.
ReviewerName is Jordan Okafor✅❌ Row does not match the condition.✅✅✅✅✅❌ Row does not match the condition.
ReviewerRole is AML Team Lead✅❌ Row does not match the condition.✅❌ Row does not match the condition.✅✅✅❌ Row does not match the condition.
ReviewDecision is Approved✅✅✅✅✅✅✅✅

0954 · 54_crypto_peer_ratio_2

Regular purchases at a US crypto exchange put volume at exactly 2.0 times the peers'.

Cryptocurrency Bridge Indicator (RULE012) · alert date 2026-07-29 · customer C-30154 · transactions TXN-71780,TXN-71787 · expected: Amber, no SAR

Checkgpt-5.1 · with Thunk.AIgpt-5.1 · without Thunk.AIgemini-3.5-flash · with Thunk.AIgemini-3.5-flash · without Thunk.AImistral-medium-3 · with Thunk.AImistral-medium-3 · without Thunk.AIgpt-5-mini · with Thunk.AIgpt-5-mini · without Thunk.AI
DispositionRecommendation is Amber✅✅✅✅✅✅✅❌ Row does not match the condition.
AlertDate is 2026-07-29✅✅✅✅✅✅✅✅
AlertTransactions holds TXN-71780 (on the customer's account), TXN-71787 (on the customer's account)✅✅✅✅✅✅✅✅
DataIssueTransactionIds is empty✅✅✅✅✅✅✅✅
CustomerType is Individual✅✅✅✅✅✅✅✅
AnnualIncomeUSD is 160000✅✅✅✅✅✅✅✅
RiskRating is Medium✅✅✅✅✅✅✅✅
IsPEP is No✅✅✅✅✅✅✅✅
SourceOfFundsDocumented is No✅✅✅✅✅✅✅✅
SanctionsFlag is No✅✅✅✅✅✅✅✅
VolumeVsPeerRatio is 2✅✅✅✅✅✅✅❌ Row does not match the condition.
PriorSARFilingDates is empty✅✅✅✅✅✅✅✅
RecentTransactions holds all 5 transactions on the customer's account✅✅✅✅✅✅✅✅
RedFlagsRaised is E✅✅✅✅✅❌ Row does not match the condition.✅❌ Row does not match the condition.
UnexplainedFlags is E✅✅✅✅✅❌ Row does not match the condition.✅❌ Row does not match the condition.
ExplainedFlags is empty✅✅✅✅✅✅✅❌ Row does not match the condition.
Typology is Profile Inconsistency✅❌ Row does not match the condition.✅❌ Row does not match the condition.✅❌ Row does not match the condition.✅❌ Row does not match the condition.
SARRequired is No✅✅✅✅✅✅✅❌ Row does not match the condition.
SARFilingDeadline is empty✅✅✅✅✅✅✅❌ Row does not match the condition.
SARFile is empty✅✅✅✅✅✅✅✅
ReviewerName is Jordan Okafor✅✅✅✅✅✅✅❌ Row does not match the condition.
ReviewerRole is AML Team Lead✅✅✅❌ Row does not match the condition.✅✅✅❌ Row does not match the condition.
ReviewDecision is Approved✅✅✅✅✅✅✅❌ Row does not match the condition.

0955 · 55_two_old_sars_venezuela

SARs 30 and 26 months ago are both too old; a wire goes to Venezuela.

High-Risk Country Transactions (RULE007) · alert date 2026-07-30 · customer C-30155 · transactions TXN-71808 · expected: Amber, no SAR

Checkgpt-5.1 · with Thunk.AIgpt-5.1 · without Thunk.AIgemini-3.5-flash · with Thunk.AIgemini-3.5-flash · without Thunk.AImistral-medium-3 · with Thunk.AImistral-medium-3 · without Thunk.AIgpt-5-mini · with Thunk.AIgpt-5-mini · without Thunk.AI
DispositionRecommendation is Amber✅❌ Row does not match the condition.✅✅✅❌ Row does not match the condition.✅❌ Row does not match the condition.
AlertDate is 2026-07-30✅✅✅✅✅✅✅✅
AlertTransactions holds TXN-71808 (on the customer's account)✅✅✅✅✅✅✅✅
DataIssueTransactionIds is empty✅✅✅✅✅✅✅✅
CustomerType is Individual✅✅✅✅✅✅✅✅
AnnualIncomeUSD is 150000✅✅✅✅✅✅✅✅
RiskRating is Medium✅✅✅✅✅✅✅✅
IsPEP is No✅✅✅✅✅✅✅✅
SourceOfFundsDocumented is No✅✅✅✅✅✅✅✅
SanctionsFlag is No✅✅✅✅✅✅✅✅
VolumeVsPeerRatio is 1.2✅✅✅✅✅✅✅✅
PriorSARFilingDates holds 2024-01-28, 2024-05-28✅✅✅✅✅✅✅✅
RecentTransactions holds all 3 transactions on the customer's account✅✅✅✅✅✅✅✅
RedFlagsRaised is C✅❌ Row does not match the condition.✅✅✅❌ Row does not match the condition.✅❌ Row does not match the condition.
UnexplainedFlags is C✅❌ Row does not match the condition.✅✅✅❌ Row does not match the condition.✅✅
ExplainedFlags is empty✅✅✅✅✅✅✅❌ Row does not match the condition.
Typology is Geographic Risk✅❌ Row does not match the condition.✅❌ Row does not match the condition.✅❌ Row does not match the condition.✅❌ Row does not match the condition.
SARRequired is No✅❌ Row does not match the condition.✅✅✅❌ Row does not match the condition.✅❌ Row does not match the condition.
SARFilingDeadline is empty✅❌ Row does not match the condition.✅✅✅❌ Row does not match the condition.✅❌ Row does not match the condition.
SARFile is empty✅❌ Row does not match the condition.✅✅✅❌ Row does not match the condition.✅✅
ReviewerName is Jordan Okafor✅❌ Row does not match the condition.✅✅✅❌ Row does not match the condition.✅❌ Row does not match the condition.
ReviewerRole is AML Team Lead✅❌ Row does not match the condition.✅✅✅❌ Row does not match the condition.✅❌ Row does not match the condition.
ReviewDecision is Approved✅✅✅✅✅✅✅❌ Row does not match the condition.

0956 · 56_unlisted_pass_through_russia

An old unlisted pass-through; the alerted wire goes to Russia.

High-Risk Country Transactions (RULE007) · alert date 2026-07-31 · customer C-30156 · transactions TXN-71836 · expected: Amber, no SAR

Checkgpt-5.1 · with Thunk.AIgpt-5.1 · without Thunk.AIgemini-3.5-flash · with Thunk.AIgemini-3.5-flash · without Thunk.AImistral-medium-3 · with Thunk.AImistral-medium-3 · without Thunk.AIgpt-5-mini · with Thunk.AIgpt-5-mini · without Thunk.AI
DispositionRecommendation is Amber✅✅✅✅✅✅✅❌ Row does not match the condition.
AlertDate is 2026-07-31✅✅✅✅✅✅✅✅
AlertTransactions holds TXN-71836 (on the customer's account)✅✅✅✅✅✅✅✅
DataIssueTransactionIds is empty✅✅✅✅✅✅✅✅
CustomerType is Individual✅✅✅✅✅✅✅✅
AnnualIncomeUSD is 210000✅✅✅✅✅✅✅✅
RiskRating is Medium✅✅✅✅✅✅✅✅
IsPEP is No✅✅✅✅✅✅✅✅
SourceOfFundsDocumented is No✅✅✅✅✅✅✅✅
SanctionsFlag is No✅✅✅✅✅✅✅✅
VolumeVsPeerRatio is 1.3✅✅✅✅✅✅✅❌ Row does not match the condition.
PriorSARFilingDates is empty✅✅✅✅✅✅✅✅
RecentTransactions holds all 4 transactions on the customer's account✅✅✅✅✅✅✅✅
RedFlagsRaised is C✅✅✅✅✅✅✅❌ Row does not match the condition.
UnexplainedFlags is C✅✅✅✅✅✅✅❌ Row does not match the condition.
ExplainedFlags is empty✅✅✅✅✅✅✅✅
Typology is Geographic Risk✅❌ Row does not match the condition.✅❌ Row does not match the condition.✅✅✅❌ Row does not match the condition.
SARRequired is No✅✅✅✅✅✅✅❌ Row does not match the condition.
SARFilingDeadline is empty✅✅✅✅✅✅✅❌ Row does not match the condition.
SARFile is empty✅✅✅✅✅✅✅✅
ReviewerName is Jordan Okafor✅✅✅✅✅✅✅❌ Row does not match the condition.
ReviewerRole is AML Team Lead✅✅✅❌ Row does not match the condition.✅✅✅❌ Row does not match the condition.
ReviewDecision is Approved✅✅✅✅✅✅✅❌ Row does not match the condition.

0957 · 57_business_recent_sar_only

A business with a SAR six months ago pays a domestic supplier.

High-Value International Wire (RULE005) · alert date 2026-08-01 · customer C-30157 · transactions TXN-71850 · expected: Amber, no SAR

Checkgpt-5.1 · with Thunk.AIgpt-5.1 · without Thunk.AIgemini-3.5-flash · with Thunk.AIgemini-3.5-flash · without Thunk.AImistral-medium-3 · with Thunk.AImistral-medium-3 · without Thunk.AIgpt-5-mini · with Thunk.AIgpt-5-mini · without Thunk.AI
DispositionRecommendation is Amber✅❌ Row does not match the condition.✅✅✅❌ Row does not match the condition.✅❌ Row does not match the condition.
AlertDate is 2026-08-01✅✅✅✅✅✅✅✅
AlertTransactions holds TXN-71850 (on the customer's account)✅✅✅✅✅✅✅✅
DataIssueTransactionIds is empty✅✅✅✅✅✅✅✅
CustomerType is Business✅✅✅✅✅✅✅✅
AnnualIncomeUSD is 6000000✅✅✅✅✅✅✅✅
RiskRating is Medium✅✅✅✅✅✅✅✅
IsPEP is No✅✅✅✅✅✅✅✅
SourceOfFundsDocumented is No✅✅✅✅✅✅✅✅
SanctionsFlag is No✅✅✅✅✅✅✅✅
VolumeVsPeerRatio is 1.1✅✅✅✅✅✅✅❌ Row does not match the condition.
PriorSARFilingDates holds 2026-02-01✅✅✅✅✅✅✅❌ Row does not match the condition.
RecentTransactions holds all 2 transactions on the customer's account✅✅✅✅✅✅✅✅
RedFlagsRaised is F✅❌ Row does not match the condition.✅✅✅✅✅❌ Row does not match the condition.
UnexplainedFlags is F✅❌ Row does not match the condition.✅✅✅✅✅❌ Row does not match the condition.
ExplainedFlags is empty✅✅✅✅✅✅✅✅
Typology is Repeat Subject (prior SAR)✅❌ Row does not match the condition.✅❌ Row does not match the condition.✅✅✅❌ Row does not match the condition.
SARRequired is No✅❌ Row does not match the condition.✅✅✅❌ Row does not match the condition.✅❌ Row does not match the condition.
SARFilingDeadline is empty✅❌ Row does not match the condition.✅✅✅❌ Row does not match the condition.✅❌ Row does not match the condition.
SARFile is empty✅❌ Row does not match the condition.✅✅✅❌ Row does not match the condition.✅✅
ReviewerName is Jordan Okafor✅✅✅✅✅❌ Row does not match the condition.✅❌ Row does not match the condition.
ReviewerRole is AML Team Lead✅✅✅❌ Row does not match the condition.✅❌ Row does not match the condition.✅❌ Row does not match the condition.
ReviewDecision is Approved✅✅✅✅✅✅✅✅

0958 · 58_fp_case_11_months_belize

A false-positive case 11 months ago verified the seasonal volume; a wire goes to Belize.

High-Value International Wire (RULE005) · alert date 2026-08-02 · customer C-30158 · transactions TXN-71871 · expected: Amber, no SAR

Checkgpt-5.1 · with Thunk.AIgpt-5.1 · without Thunk.AIgemini-3.5-flash · with Thunk.AIgemini-3.5-flash · without Thunk.AImistral-medium-3 · with Thunk.AImistral-medium-3 · without Thunk.AIgpt-5-mini · with Thunk.AIgpt-5-mini · without Thunk.AI
DispositionRecommendation is Amber✅❌ Row does not match the condition.✅✅✅❌ Row does not match the condition.✅⚪
AlertDate is 2026-08-02✅✅✅✅✅✅✅⚪
AlertTransactions holds TXN-71871 (on the customer's account)✅✅✅✅✅✅✅⚪
DataIssueTransactionIds is empty✅✅✅✅✅✅✅⚪
CustomerType is Business✅✅✅✅✅✅✅⚪
AnnualIncomeUSD is 1500000✅✅✅✅✅✅✅⚪
RiskRating is Medium✅✅✅✅✅✅✅⚪
IsPEP is No✅✅✅✅✅✅✅⚪
SourceOfFundsDocumented is No✅✅✅✅✅✅✅⚪
SanctionsFlag is No✅✅✅✅✅✅✅⚪
VolumeVsPeerRatio is 2.4✅✅✅✅✅✅✅⚪
PriorSARFilingDates is empty✅✅✅✅✅✅✅⚪
RecentTransactions holds all 3 transactions on the customer's account✅✅✅✅✅✅✅⚪
RedFlagsRaised is C, E✅❌ Row does not match the condition.✅✅✅❌ Row does not match the condition.✅⚪
UnexplainedFlags is C✅❌ Row does not match the condition.✅✅✅❌ Row does not match the condition.✅⚪
ExplainedFlags explains E✅✅✅✅✅✅✅⚪
Typology is Geographic Risk✅❌ Row does not match the condition.✅❌ Row does not match the condition.✅❌ Row does not match the condition.✅⚪
SARRequired is No✅❌ Row does not match the condition.✅✅✅✅✅⚪
SARFilingDeadline is empty✅❌ Row does not match the condition.✅✅✅✅✅⚪
SARFile is empty✅❌ Row does not match the condition.✅✅✅✅✅⚪
ReviewerName is Jordan Okafor✅❌ Row does not match the condition.✅✅✅✅✅⚪
ReviewerRole is AML Team Lead✅❌ Row does not match the condition.✅❌ Row does not match the condition.✅✅✅⚪
ReviewDecision is Approved✅✅✅✅✅✅✅⚪

0959 · 59_ctr_deposits_over_income

Three cash deposits over $10,000 add up to more than income.

Large Cash Transaction (RULE001) · alert date 2026-08-03 · customer C-30159 · transactions TXN-71885,TXN-71892,TXN-71899 · expected: Amber, no SAR

Checkgpt-5.1 · with Thunk.AIgpt-5.1 · without Thunk.AIgemini-3.5-flash · with Thunk.AIgemini-3.5-flash · without Thunk.AImistral-medium-3 · with Thunk.AImistral-medium-3 · without Thunk.AIgpt-5-mini · with Thunk.AIgpt-5-mini · without Thunk.AI
DispositionRecommendation is Amber✅❌ Row does not match the condition.✅❌ Row does not match the condition.✅❌ Row does not match the condition.✅⚪
AlertDate is 2026-08-03✅✅✅✅✅✅✅⚪
AlertTransactions holds TXN-71885 (on the customer's account), TXN-71892 (on the customer's account), TXN-71899 (on the customer's account)✅✅✅✅✅✅✅⚪
DataIssueTransactionIds is empty✅✅✅✅✅✅✅⚪
CustomerType is Individual✅✅✅✅✅✅✅⚪
AnnualIncomeUSD is 30000✅✅✅✅✅✅✅⚪
RiskRating is Medium✅✅✅✅✅✅✅⚪
IsPEP is No✅✅✅✅✅✅✅⚪
SourceOfFundsDocumented is No✅✅✅✅✅✅✅⚪
SanctionsFlag is No✅✅✅✅✅✅✅⚪
VolumeVsPeerRatio is 1.4✅✅✅✅✅✅✅⚪
PriorSARFilingDates is empty✅✅✅✅✅✅✅⚪
RecentTransactions holds all 4 transactions on the customer's account✅✅✅✅✅✅✅⚪
RedFlagsRaised is E✅✅✅✅✅❌ Row does not match the condition.✅⚪
UnexplainedFlags is E✅✅✅✅✅❌ Row does not match the condition.✅⚪
ExplainedFlags is empty✅✅✅✅✅✅✅⚪
Typology is Profile Inconsistency✅❌ Row does not match the condition.✅❌ Row does not match the condition.✅❌ Row does not match the condition.✅⚪
SARRequired is No✅❌ Row does not match the condition.✅❌ Row does not match the condition.✅❌ Row does not match the condition.✅⚪
SARFilingDeadline is empty✅❌ Row does not match the condition.✅❌ Row does not match the condition.✅❌ Row does not match the condition.✅⚪
SARFile is empty✅❌ Row does not match the condition.✅❌ Row does not match the condition.✅❌ Row does not match the condition.✅⚪
ReviewerName is Jordan Okafor✅❌ Row does not match the condition.✅❌ Row does not match the condition.✅❌ Row does not match the condition.✅⚪
ReviewerRole is AML Team Lead✅❌ Row does not match the condition.✅❌ Row does not match the condition.✅❌ Row does not match the condition.✅⚪
ReviewDecision is Approved✅✅✅✅✅✅✅⚪

0960 · 60_business_sale_documented

Proceeds of a documented business sale exceed the customer's income.

High-Value International Wire (RULE005) · alert date 2026-08-04 · customer C-30160 · transactions TXN-71913 · expected: Green, no SAR

Checkgpt-5.1 · with Thunk.AIgpt-5.1 · without Thunk.AIgemini-3.5-flash · with Thunk.AIgemini-3.5-flash · without Thunk.AImistral-medium-3 · with Thunk.AImistral-medium-3 · without Thunk.AIgpt-5-mini · with Thunk.AIgpt-5-mini · without Thunk.AI
DispositionRecommendation is Green✅❌ Row does not match the condition.✅❌ Row does not match the condition.✅❌ Row does not match the condition.✅✅
AlertDate is 2026-08-04✅✅✅✅✅✅✅✅
AlertTransactions holds TXN-71913 (on the customer's account)✅✅✅✅✅✅✅✅
DataIssueTransactionIds is empty✅✅✅✅✅✅✅✅
CustomerType is Individual✅✅✅✅✅✅✅✅
AnnualIncomeUSD is 90000✅✅✅✅✅✅✅✅
RiskRating is Medium✅✅✅✅✅✅✅✅
IsPEP is No✅✅✅✅✅✅✅✅
SourceOfFundsDocumented is Yes✅✅✅✅✅✅✅✅
SanctionsFlag is No✅✅✅✅✅✅✅✅
VolumeVsPeerRatio is 1.5✅✅✅✅✅✅✅❌ Row does not match the condition.
PriorSARFilingDates is empty✅✅✅✅✅✅✅✅
RecentTransactions holds all 2 transactions on the customer's account✅✅✅✅✅✅✅✅
RedFlagsRaised is E✅✅✅✅✅✅✅✅
UnexplainedFlags is empty✅❌ Row does not match the condition.✅✅✅❌ Row does not match the condition.✅✅
ExplainedFlags explains E✅❌ Row does not match the condition.✅✅✅❌ Row does not match the condition.✅✅
Typology is Not suspicious✅❌ Row does not match the condition.✅❌ Row does not match the condition.✅❌ Row does not match the condition.✅✅
SARRequired is No✅✅✅✅✅✅✅✅
SARFilingDeadline is empty✅✅✅✅✅✅✅✅
SARFile is empty✅✅✅✅✅✅✅✅
ReviewerName is Jordan Okafor✅✅✅✅✅✅✅✅
ReviewerRole is AML Team Lead✅✅✅❌ Row does not match the condition.✅✅✅✅
ReviewDecision is Approved✅✅✅✅✅✅✅✅

0961 · 61_deposits_spread_no_window

Three deposits in the range, but never three within 5 days.

Structuring Detection (RULE003) · alert date 2026-08-05 · customer C-30161 · transactions TXN-71934,TXN-71941,TXN-71948 · expected: Green, no SAR

Checkgpt-5.1 · with Thunk.AIgpt-5.1 · without Thunk.AIgemini-3.5-flash · with Thunk.AIgemini-3.5-flash · without Thunk.AImistral-medium-3 · with Thunk.AImistral-medium-3 · without Thunk.AIgpt-5-mini · with Thunk.AIgpt-5-mini · without Thunk.AI
DispositionRecommendation is Green✅❌ Row does not match the condition.✅❌ Row does not match the condition.✅❌ Row does not match the condition.✅⚪
AlertDate is 2026-08-05✅✅✅✅✅✅✅⚪
AlertTransactions holds TXN-71934 (on the customer's account), TXN-71941 (on the customer's account), TXN-71948 (on the customer's account)✅✅✅✅✅✅✅⚪
DataIssueTransactionIds is empty✅✅✅✅✅✅✅⚪
CustomerType is Individual✅✅✅✅✅✅✅⚪
AnnualIncomeUSD is 120000✅✅✅✅✅✅✅⚪
RiskRating is Medium✅✅✅✅✅✅✅⚪
IsPEP is No✅✅✅✅✅✅✅⚪
SourceOfFundsDocumented is No✅✅✅✅✅✅✅⚪
SanctionsFlag is No✅✅✅✅✅✅✅⚪
VolumeVsPeerRatio is 1.3✅✅✅✅✅✅✅⚪
PriorSARFilingDates is empty✅✅✅✅✅✅✅⚪
RecentTransactions holds all 5 transactions on the customer's account✅✅✅✅✅✅✅⚪
RedFlagsRaised is empty✅❌ Row does not match the condition.✅❌ Row does not match the condition.✅❌ Row does not match the condition.✅⚪
UnexplainedFlags is empty✅❌ Row does not match the condition.✅❌ Row does not match the condition.✅❌ Row does not match the condition.✅⚪
ExplainedFlags is empty✅✅✅✅✅✅✅⚪
Typology is Not suspicious✅❌ Row does not match the condition.✅❌ Row does not match the condition.✅❌ Row does not match the condition.✅⚪
SARRequired is No✅❌ Row does not match the condition.✅❌ Row does not match the condition.✅❌ Row does not match the condition.✅⚪
SARFilingDeadline is empty✅❌ Row does not match the condition.✅❌ Row does not match the condition.✅❌ Row does not match the condition.✅⚪
SARFile is empty✅❌ Row does not match the condition.✅❌ Row does not match the condition.✅✅✅⚪
ReviewerName is Jordan Okafor✅❌ Row does not match the condition.✅❌ Row does not match the condition.✅❌ Row does not match the condition.✅⚪
ReviewerRole is AML Team Lead✅❌ Row does not match the condition.✅❌ Row does not match the condition.✅❌ Row does not match the condition.✅⚪
ReviewDecision is Approved✅✅✅✅✅❌ Row does not match the condition.✅⚪

0962 · 62_uae_not_listed

A large wire to the United Arab Emirates, which is not on either list.

High-Value International Wire (RULE005) · alert date 2026-08-06 · customer C-30162 · transactions TXN-71976 · expected: Green, no SAR

Checkgpt-5.1 · with Thunk.AIgpt-5.1 · without Thunk.AIgemini-3.5-flash · with Thunk.AIgemini-3.5-flash · without Thunk.AImistral-medium-3 · with Thunk.AImistral-medium-3 · without Thunk.AIgpt-5-mini · with Thunk.AIgpt-5-mini · without Thunk.AI
DispositionRecommendation is Green✅❌ Row does not match the condition.✅✅✅❌ Row does not match the condition.✅❌ Row does not match the condition.
AlertDate is 2026-08-06✅✅✅✅✅✅✅✅
AlertTransactions holds TXN-71976 (on the customer's account)✅✅✅✅✅✅✅✅
DataIssueTransactionIds is empty✅✅✅✅✅✅✅✅
CustomerType is Individual✅✅✅✅✅✅✅✅
AnnualIncomeUSD is 260000✅✅✅✅✅✅✅✅
RiskRating is Medium✅✅✅✅✅✅✅✅
IsPEP is No✅✅✅✅✅✅✅✅
SourceOfFundsDocumented is No✅✅✅✅✅✅✅✅
SanctionsFlag is No✅✅✅✅✅✅✅✅
VolumeVsPeerRatio is 1.2✅✅✅✅✅✅✅✅
PriorSARFilingDates is empty✅✅✅✅✅✅✅✅
RecentTransactions holds all 4 transactions on the customer's account✅✅✅✅✅✅✅✅
RedFlagsRaised is empty✅❌ Row does not match the condition.✅✅✅❌ Row does not match the condition.✅❌ Row does not match the condition.
UnexplainedFlags is empty✅❌ Row does not match the condition.✅✅✅❌ Row does not match the condition.✅❌ Row does not match the condition.
ExplainedFlags is empty✅❌ Row does not match the condition.✅✅✅✅✅❌ Row does not match the condition.
Typology is Not suspicious✅❌ Row does not match the condition.✅✅✅❌ Row does not match the condition.✅❌ Row does not match the condition.
SARRequired is No✅✅✅✅✅❌ Row does not match the condition.✅❌ Row does not match the condition.
SARFilingDeadline is empty✅✅✅✅✅❌ Row does not match the condition.✅❌ Row does not match the condition.
SARFile is empty✅✅✅✅✅❌ Row does not match the condition.✅✅
ReviewerName is Jordan Okafor✅✅✅✅✅❌ Row does not match the condition.✅❌ Row does not match the condition.
ReviewerRole is AML Team Lead✅✅✅❌ Row does not match the condition.✅❌ Row does not match the condition.✅❌ Row does not match the condition.
ReviewDecision is Approved✅✅✅✅✅✅✅❌ Row does not match the condition.

0963 · 63_pep_documented_small

A PEP with a documented source of funds receives an amount well within income.

PEP Transaction Monitor (RULE011) · alert date 2026-08-07 · customer C-30163 · transactions TXN-71997 · expected: Green, no SAR

Checkgpt-5.1 · with Thunk.AIgpt-5.1 · without Thunk.AIgemini-3.5-flash · with Thunk.AIgemini-3.5-flash · without Thunk.AImistral-medium-3 · with Thunk.AImistral-medium-3 · without Thunk.AIgpt-5-mini · with Thunk.AIgpt-5-mini · without Thunk.AI
DispositionRecommendation is Green✅✅✅✅✅✅✅⚪
AlertDate is 2026-08-07✅✅✅✅✅✅✅⚪
AlertTransactions holds TXN-71997 (on the customer's account)✅✅✅✅✅✅✅⚪
DataIssueTransactionIds is empty✅✅✅✅✅✅✅⚪
CustomerType is Individual✅✅✅✅✅✅✅⚪
AnnualIncomeUSD is 150000✅✅✅✅✅✅✅⚪
RiskRating is High✅✅✅✅✅✅✅⚪
IsPEP is Yes✅✅✅✅✅✅✅⚪
SourceOfFundsDocumented is Yes✅✅✅✅✅✅✅⚪
SanctionsFlag is No✅✅✅✅✅✅✅⚪
VolumeVsPeerRatio is 1.2✅✅✅✅✅✅✅⚪
PriorSARFilingDates is empty✅✅✅✅✅✅✅⚪
RecentTransactions holds all 3 transactions on the customer's account✅✅✅✅✅✅✅⚪
RedFlagsRaised is empty✅✅✅✅✅❌ Row does not match the condition.✅⚪
UnexplainedFlags is empty✅✅✅✅✅❌ Row does not match the condition.✅⚪
ExplainedFlags is empty✅✅✅✅✅✅✅⚪
Typology is Not suspicious✅✅✅✅✅✅✅⚪
SARRequired is No✅✅✅✅✅✅✅⚪
SARFilingDeadline is empty✅✅✅✅✅✅✅⚪
SARFile is empty✅✅✅✅✅✅✅⚪
ReviewerName is Jordan Okafor✅✅✅✅✅✅✅⚪
ReviewerRole is AML Team Lead✅✅✅✅✅✅✅⚪
ReviewDecision is Approved✅✅✅✅✅✅✅⚪

0964 · 64_high_risk_old_false_positives

A High risk-rated customer with old false-positive cases makes an ordinary payment.

High-Value International Wire (RULE005) · alert date 2026-08-08 · customer C-30164 · transactions TXN-72011 · expected: Green, no SAR

Checkgpt-5.1 · with Thunk.AIgpt-5.1 · without Thunk.AIgemini-3.5-flash · with Thunk.AIgemini-3.5-flash · without Thunk.AImistral-medium-3 · with Thunk.AImistral-medium-3 · without Thunk.AIgpt-5-mini · with Thunk.AIgpt-5-mini · without Thunk.AI
DispositionRecommendation is Green✅✅✅✅✅❌ Row does not match the condition.✅❌ Row does not match the condition.
AlertDate is 2026-08-08✅✅✅✅✅✅✅✅
AlertTransactions holds TXN-72011 (on the customer's account)✅✅✅✅✅✅✅✅
DataIssueTransactionIds is empty✅✅✅✅✅✅✅✅
CustomerType is Business✅✅✅✅✅✅✅✅
AnnualIncomeUSD is 7000000✅✅✅✅✅✅✅✅
RiskRating is High✅✅✅✅✅✅✅✅
IsPEP is No✅✅✅✅✅✅✅✅
SourceOfFundsDocumented is No✅✅✅✅✅✅✅✅
SanctionsFlag is No✅✅✅✅✅✅✅✅
VolumeVsPeerRatio is 1.1✅✅✅✅✅✅✅❌ Row does not match the condition.
PriorSARFilingDates is empty✅✅✅✅✅✅✅✅
RecentTransactions holds all 2 transactions on the customer's account✅✅✅✅✅✅✅✅
RedFlagsRaised is empty✅✅✅✅✅❌ Row does not match the condition.✅❌ Row does not match the condition.
UnexplainedFlags is empty✅✅✅✅✅❌ Row does not match the condition.✅❌ Row does not match the condition.
ExplainedFlags is empty✅✅✅✅✅✅✅✅
Typology is Not suspicious✅✅✅✅✅❌ Row does not match the condition.✅❌ Row does not match the condition.
SARRequired is No✅✅✅✅✅✅✅❌ Row does not match the condition.
SARFilingDeadline is empty✅✅✅✅✅✅✅❌ Row does not match the condition.
SARFile is empty✅✅✅✅✅✅✅✅
ReviewerName is Jordan Okafor✅✅✅✅✅❌ Row does not match the condition.✅❌ Row does not match the condition.
ReviewerRole is AML Team Lead✅✅✅❌ Row does not match the condition.✅❌ Row does not match the condition.✅❌ Row does not match the condition.
ReviewDecision is Approved✅✅✅✅✅❌ Row does not match the condition.✅✅

0965 · 65_sar_26_months_only

The only concern is a SAR filed 26 months ago.

High-Value International Wire (RULE005) · alert date 2026-08-09 · customer C-30165 · transactions TXN-72039 · expected: Green, no SAR

Checkgpt-5.1 · with Thunk.AIgpt-5.1 · without Thunk.AIgemini-3.5-flash · with Thunk.AIgemini-3.5-flash · without Thunk.AImistral-medium-3 · with Thunk.AImistral-medium-3 · without Thunk.AIgpt-5-mini · with Thunk.AIgpt-5-mini · without Thunk.AI
DispositionRecommendation is Green✅❌ Row does not match the condition.✅✅✅❌ Row does not match the condition.✅❌ Row does not match the condition.
AlertDate is 2026-08-09✅✅✅✅✅✅✅✅
AlertTransactions holds TXN-72039 (on the customer's account)✅✅✅✅✅✅✅✅
DataIssueTransactionIds is empty✅✅✅✅✅✅✅✅
CustomerType is Individual✅✅✅✅✅✅✅✅
AnnualIncomeUSD is 130000✅✅✅✅✅✅✅✅
RiskRating is Medium✅✅✅✅✅✅✅✅
IsPEP is No✅✅✅✅✅✅✅✅
SourceOfFundsDocumented is No✅✅✅✅✅✅✅✅
SanctionsFlag is No✅✅✅✅✅✅✅✅
VolumeVsPeerRatio is 1.1✅✅✅✅✅✅✅✅
PriorSARFilingDates holds 2024-06-09✅✅✅✅✅✅✅✅
RecentTransactions holds all 4 transactions on the customer's account✅✅✅✅✅✅✅✅
RedFlagsRaised is empty✅❌ Row does not match the condition.✅✅✅❌ Row does not match the condition.✅❌ Row does not match the condition.
UnexplainedFlags is empty✅❌ Row does not match the condition.✅✅✅❌ Row does not match the condition.✅❌ Row does not match the condition.
ExplainedFlags is empty✅✅✅✅✅✅✅✅
Typology is Not suspicious✅❌ Row does not match the condition.✅✅✅❌ Row does not match the condition.✅❌ Row does not match the condition.
SARRequired is No✅✅✅✅✅✅✅❌ Row does not match the condition.
SARFilingDeadline is empty✅✅✅✅✅✅✅❌ Row does not match the condition.
SARFile is empty✅✅✅✅✅✅✅✅
ReviewerName is Jordan Okafor✅✅✅✅✅✅✅❌ Row does not match the condition.
ReviewerRole is AML Team Lead✅✅✅❌ Row does not match the condition.✅❌ Row does not match the condition.✅❌ Row does not match the condition.
ReviewDecision is Approved✅✅✅✅✅✅✅❌ Row does not match the condition.

0966 · 66_data_issue_iran_other_customer

The listed Iran wire is on another customer's account; the rest is ordinary.

High-Risk Country Transactions (RULE007) · alert date 2026-08-10 · customer C-30166 · transactions TXN-72067,TXN-72074 · expected: Green, no SAR

Checkgpt-5.1 · with Thunk.AIgpt-5.1 · without Thunk.AIgemini-3.5-flash · with Thunk.AIgemini-3.5-flash · without Thunk.AImistral-medium-3 · with Thunk.AImistral-medium-3 · without Thunk.AIgpt-5-mini · with Thunk.AIgpt-5-mini · without Thunk.AI
DispositionRecommendation is Green✅✅✅✅✅❌ Row does not match the condition.✅⚪
AlertDate is 2026-08-10✅✅✅✅✅✅✅⚪
AlertTransactions holds TXN-72067 (on the customer's account), TXN-72074 (not on the customer's account)✅✅✅✅❌ Row does not match the condition.❌ Row does not match the condition.✅⚪
DataIssueTransactionIds is TXN-72074✅✅✅✅✅✅✅⚪
CustomerType is Individual✅✅✅✅✅✅✅⚪
AnnualIncomeUSD is 140000✅✅✅✅✅✅✅⚪
RiskRating is Medium✅✅✅✅✅✅✅⚪
IsPEP is No✅✅✅✅✅✅✅⚪
SourceOfFundsDocumented is No✅✅✅✅✅✅✅⚪
SanctionsFlag is No✅✅✅✅✅✅✅⚪
VolumeVsPeerRatio is 1✅✅✅✅✅✅✅⚪
PriorSARFilingDates is empty✅✅✅✅✅✅✅⚪
RecentTransactions holds all 4 transactions on the customer's account✅✅✅✅✅✅✅⚪
RedFlagsRaised is empty✅✅✅✅✅❌ Row does not match the condition.✅⚪
UnexplainedFlags is empty✅✅✅✅✅❌ Row does not match the condition.✅⚪
ExplainedFlags is empty✅✅✅✅✅✅✅⚪
Typology is Not suspicious✅✅✅✅✅❌ Row does not match the condition.✅⚪
SARRequired is No✅✅✅✅✅✅✅⚪
SARFilingDeadline is empty✅✅✅✅✅✅✅⚪
SARFile is empty✅✅✅✅✅✅✅⚪
ReviewerName is Jordan Okafor✅✅✅✅✅✅✅⚪
ReviewerRole is AML Team Lead✅✅✅❌ Row does not match the condition.✅✅✅⚪
ReviewDecision is Approved✅✅✅✅✅✅✅⚪

0967 · 67_payroll_processor_explained

A payroll processor's documented business explains a pass-through.

Rapid Fund Movement (Pass-Through) (RULE009) · alert date 2026-08-11 · customer C-30167 · transactions TXN-72088,TXN-72095 · expected: Green, no SAR

Checkgpt-5.1 · with Thunk.AIgpt-5.1 · without Thunk.AIgemini-3.5-flash · with Thunk.AIgemini-3.5-flash · without Thunk.AImistral-medium-3 · with Thunk.AImistral-medium-3 · without Thunk.AIgpt-5-mini · with Thunk.AIgpt-5-mini · without Thunk.AI
DispositionRecommendation is Green✅✅✅✅✅❌ Row does not match the condition.✅⚪
AlertDate is 2026-08-11✅✅✅✅✅✅✅⚪
AlertTransactions holds TXN-72088 (on the customer's account), TXN-72095 (on the customer's account)✅✅✅✅✅✅✅⚪
DataIssueTransactionIds is empty✅✅✅✅✅✅✅⚪
CustomerType is Business✅✅✅✅✅✅✅⚪
AnnualIncomeUSD is 12000000✅✅✅✅✅✅✅⚪
RiskRating is Medium✅✅✅✅✅✅✅⚪
IsPEP is No✅✅✅✅✅✅✅⚪
SourceOfFundsDocumented is No✅✅✅✅✅✅✅⚪
SanctionsFlag is No✅✅✅✅✅✅✅⚪
VolumeVsPeerRatio is 1✅✅✅✅✅✅✅⚪
PriorSARFilingDates is empty✅✅✅✅✅✅✅⚪
RecentTransactions holds all 3 transactions on the customer's account✅✅✅✅✅✅✅⚪
RedFlagsRaised is D✅❌ Row does not match the condition.✅✅✅✅✅⚪
UnexplainedFlags is empty✅✅✅✅✅❌ Row does not match the condition.✅⚪
ExplainedFlags explains D✅✅✅✅✅❌ Row does not match the condition.✅⚪
Typology is Not suspicious✅✅✅✅✅❌ Row does not match the condition.✅⚪
SARRequired is No✅✅✅✅✅✅✅⚪
SARFilingDeadline is empty✅✅✅✅✅✅✅⚪
SARFile is empty✅✅✅✅✅✅✅⚪
ReviewerName is Jordan Okafor✅✅✅✅✅✅✅⚪
ReviewerRole is AML Team Lead✅✅✅✅✅✅✅⚪
ReviewDecision is Approved✅✅✅✅✅✅✅⚪

0968 · 68_two_10000_deposits

Deposits of $10,000, $10,000 and $9,999 within three days.

Structuring Detection (RULE003) · alert date 2026-08-12 · customer C-30168 · transactions TXN-72109,TXN-72116,TXN-72123 · expected: Green, no SAR

Checkgpt-5.1 · with Thunk.AIgpt-5.1 · without Thunk.AIgemini-3.5-flash · with Thunk.AIgemini-3.5-flash · without Thunk.AImistral-medium-3 · with Thunk.AImistral-medium-3 · without Thunk.AIgpt-5-mini · with Thunk.AIgpt-5-mini · without Thunk.AI
DispositionRecommendation is Green✅❌ Row does not match the condition.✅✅✅❌ Row does not match the condition.✅❌ Row does not match the condition.
AlertDate is 2026-08-12✅✅✅✅✅✅✅✅
AlertTransactions holds TXN-72109 (on the customer's account), TXN-72116 (on the customer's account), TXN-72123 (on the customer's account)✅✅✅✅✅✅✅✅
DataIssueTransactionIds is empty✅✅✅✅✅✅✅✅
CustomerType is Business✅✅✅✅✅✅✅✅
AnnualIncomeUSD is 400000✅✅✅✅✅✅✅✅
RiskRating is Medium✅✅✅❌ Row does not match the condition.✅✅✅✅
IsPEP is No✅✅✅✅✅✅✅✅
SourceOfFundsDocumented is No✅✅✅✅✅✅✅✅
SanctionsFlag is No✅✅✅✅✅✅✅✅
VolumeVsPeerRatio is 1.2✅✅✅✅✅✅✅✅
PriorSARFilingDates is empty✅✅✅✅✅✅✅✅
RecentTransactions holds all 4 transactions on the customer's account✅✅✅✅✅✅✅✅
RedFlagsRaised is empty✅❌ Row does not match the condition.✅✅✅❌ Row does not match the condition.✅❌ Row does not match the condition.
UnexplainedFlags is empty✅❌ Row does not match the condition.✅✅✅❌ Row does not match the condition.✅❌ Row does not match the condition.
ExplainedFlags is empty✅✅✅✅✅✅✅✅
Typology is Not suspicious✅❌ Row does not match the condition.✅✅✅❌ Row does not match the condition.✅❌ Row does not match the condition.
SARRequired is No✅❌ Row does not match the condition.✅✅✅❌ Row does not match the condition.✅❌ Row does not match the condition.
SARFilingDeadline is empty✅❌ Row does not match the condition.✅✅✅❌ Row does not match the condition.✅❌ Row does not match the condition.
SARFile is empty✅❌ Row does not match the condition.✅✅✅❌ Row does not match the condition.✅✅
ReviewerName is Jordan Okafor✅❌ Row does not match the condition.✅✅✅❌ Row does not match the condition.✅❌ Row does not match the condition.
ReviewerRole is AML Team Lead✅❌ Row does not match the condition.✅✅✅❌ Row does not match the condition.✅❌ Row does not match the condition.
ReviewDecision is Approved✅✅✅✅✅✅✅❌ Row does not match the condition.

0969 · 69_total_equals_income

Alerted wires add up to exactly the customer's annual income.

High-Value International Wire (RULE005) · alert date 2026-08-13 · customer C-30169 · transactions TXN-72144,TXN-72151 · expected: Green, no SAR

Checkgpt-5.1 · with Thunk.AIgpt-5.1 · without Thunk.AIgemini-3.5-flash · with Thunk.AIgemini-3.5-flash · without Thunk.AImistral-medium-3 · with Thunk.AImistral-medium-3 · without Thunk.AIgpt-5-mini · with Thunk.AIgpt-5-mini · without Thunk.AI
DispositionRecommendation is Green✅✅✅❌ Row does not match the condition.✅❌ Row does not match the condition.✅⚪
AlertDate is 2026-08-13✅✅✅✅✅✅✅⚪
AlertTransactions holds TXN-72144 (on the customer's account), TXN-72151 (on the customer's account)✅✅✅✅✅✅✅⚪
DataIssueTransactionIds is empty✅✅✅✅✅✅✅⚪
CustomerType is Individual✅✅✅✅✅✅✅⚪
AnnualIncomeUSD is 50000✅✅✅✅✅✅✅⚪
RiskRating is Medium✅✅✅✅✅✅✅⚪
IsPEP is No✅✅✅✅✅✅✅⚪
SourceOfFundsDocumented is No✅✅✅✅✅✅✅⚪
SanctionsFlag is No✅✅✅✅✅✅✅⚪
VolumeVsPeerRatio is 1.2✅✅✅✅✅✅✅⚪
PriorSARFilingDates is empty✅✅✅✅✅✅✅⚪
RecentTransactions holds all 4 transactions on the customer's account✅✅✅✅✅✅✅⚪
RedFlagsRaised is empty✅❌ Row does not match the condition.✅❌ Row does not match the condition.✅❌ Row does not match the condition.✅⚪
UnexplainedFlags is empty✅✅✅❌ Row does not match the condition.✅❌ Row does not match the condition.✅⚪
ExplainedFlags is empty✅❌ Row does not match the condition.✅✅✅✅✅⚪
Typology is Not suspicious✅✅✅❌ Row does not match the condition.✅❌ Row does not match the condition.✅⚪
SARRequired is No✅✅✅✅✅✅✅⚪
SARFilingDeadline is empty✅✅✅✅✅✅✅⚪
SARFile is empty✅✅✅✅✅✅✅⚪
ReviewerName is Jordan Okafor✅✅✅✅✅❌ Row does not match the condition.✅⚪
ReviewerRole is AML Team Lead✅✅✅❌ Row does not match the condition.✅❌ Row does not match the condition.✅⚪
ReviewDecision is Approved✅✅✅✅✅❌ Row does not match the condition.✅⚪

0970 · 70_ratio_1_99

Volume is 1.99 times the peers' average.

Cash-Intensive Business Anomaly (RULE002) · alert date 2026-08-14 · customer C-30170 · transactions TXN-72165,TXN-72172 · expected: Green, no SAR

Checkgpt-5.1 · with Thunk.AIgpt-5.1 · without Thunk.AIgemini-3.5-flash · with Thunk.AIgemini-3.5-flash · without Thunk.AImistral-medium-3 · with Thunk.AImistral-medium-3 · without Thunk.AIgpt-5-mini · with Thunk.AIgpt-5-mini · without Thunk.AI
DispositionRecommendation is Green✅❌ Row does not match the condition.✅✅✅❌ Row does not match the condition.✅❌ Row does not match the condition.
AlertDate is 2026-08-14✅✅✅✅✅✅✅✅
AlertTransactions holds TXN-72165 (on the customer's account), TXN-72172 (on the customer's account)✅✅✅✅✅✅✅✅
DataIssueTransactionIds is empty✅✅✅✅✅✅✅✅
CustomerType is Business✅✅✅✅✅✅✅✅
AnnualIncomeUSD is 500000✅✅✅✅✅✅✅✅
RiskRating is Medium✅✅✅✅✅✅✅✅
IsPEP is No✅✅✅✅✅✅✅✅
SourceOfFundsDocumented is No✅✅✅✅✅✅✅✅
SanctionsFlag is No✅✅✅✅✅✅✅✅
VolumeVsPeerRatio is 1.99✅✅✅✅✅✅✅❌ Row does not match the condition.
PriorSARFilingDates is empty✅✅✅✅✅✅✅✅
RecentTransactions holds all 3 transactions on the customer's account✅✅✅✅✅✅✅✅
RedFlagsRaised is empty✅❌ Row does not match the condition.✅✅✅❌ Row does not match the condition.✅❌ Row does not match the condition.
UnexplainedFlags is empty✅❌ Row does not match the condition.✅✅✅❌ Row does not match the condition.✅❌ Row does not match the condition.
ExplainedFlags is empty✅✅✅✅✅✅✅✅
Typology is Not suspicious✅❌ Row does not match the condition.✅✅✅❌ Row does not match the condition.✅❌ Row does not match the condition.
SARRequired is No✅✅✅✅✅✅✅✅
SARFilingDeadline is empty✅✅✅✅✅✅✅✅
SARFile is empty✅✅✅✅✅✅✅✅
ReviewerName is Jordan Okafor✅✅✅✅✅✅✅✅
ReviewerRole is AML Team Lead✅✅✅❌ Row does not match the condition.✅✅✅✅
ReviewDecision is Approved✅✅✅✅✅✅✅✅

0971 · 71_cayman_documented_old_sar

A documented Cayman fund subscription and a SAR 25 months ago.

High-Value International Wire (RULE005) · alert date 2026-08-15 · customer C-30171 · transactions TXN-72200 · expected: Green, no SAR

Checkgpt-5.1 · with Thunk.AIgpt-5.1 · without Thunk.AIgemini-3.5-flash · with Thunk.AIgemini-3.5-flash · without Thunk.AImistral-medium-3 · with Thunk.AImistral-medium-3 · without Thunk.AIgpt-5-mini · with Thunk.AIgpt-5-mini · without Thunk.AI
DispositionRecommendation is Green✅❌ Row does not match the condition.✅✅✅❌ Row does not match the condition.✅❌ Row does not match the condition.
AlertDate is 2026-08-15✅✅✅✅✅✅✅✅
AlertTransactions holds TXN-72200 (on the customer's account)✅✅✅✅✅✅✅✅
DataIssueTransactionIds is empty✅✅✅✅✅✅✅✅
CustomerType is Individual✅✅✅✅✅✅✅✅
AnnualIncomeUSD is 900000✅✅✅✅✅✅✅✅
RiskRating is High✅✅✅✅✅✅✅✅
IsPEP is No✅✅✅✅✅✅✅✅
SourceOfFundsDocumented is No✅✅✅✅✅✅✅✅
SanctionsFlag is No✅✅✅✅✅✅✅✅
VolumeVsPeerRatio is 1.3✅✅✅✅✅✅✅✅
PriorSARFilingDates holds 2024-07-15✅✅✅✅✅✅✅✅
RecentTransactions holds all 4 transactions on the customer's account✅✅✅✅✅✅✅❌ Row does not match the condition.
RedFlagsRaised is C✅❌ Row does not match the condition.✅✅✅❌ Row does not match the condition.✅❌ Row does not match the condition.
UnexplainedFlags is empty✅❌ Row does not match the condition.✅✅✅❌ Row does not match the condition.✅❌ Row does not match the condition.
ExplainedFlags explains C✅❌ Row does not match the condition.✅✅✅❌ Row does not match the condition.✅❌ Row does not match the condition.
Typology is Not suspicious✅❌ Row does not match the condition.✅✅✅❌ Row does not match the condition.✅❌ Row does not match the condition.
SARRequired is No✅❌ Row does not match the condition.✅✅✅❌ Row does not match the condition.✅❌ Row does not match the condition.
SARFilingDeadline is empty✅❌ Row does not match the condition.✅✅✅❌ Row does not match the condition.✅❌ Row does not match the condition.
SARFile is empty✅❌ Row does not match the condition.✅✅✅❌ Row does not match the condition.✅✅
ReviewerName is Jordan Okafor✅❌ Row does not match the condition.✅✅✅❌ Row does not match the condition.✅❌ Row does not match the condition.
ReviewerRole is AML Team Lead✅❌ Row does not match the condition.✅✅✅❌ Row does not match the condition.✅❌ Row does not match the condition.
ReviewDecision is Approved✅✅✅✅✅✅✅✅

0972 · 72_deposits_7500

Four cash deposits of $7,500 in four days.

Structuring Detection (RULE003) · alert date 2026-08-16 · customer C-30172 · transactions TXN-72214,TXN-72221,TXN-72228,TXN-72235 · expected: Green, no SAR

Checkgpt-5.1 · with Thunk.AIgpt-5.1 · without Thunk.AIgemini-3.5-flash · with Thunk.AIgemini-3.5-flash · without Thunk.AImistral-medium-3 · with Thunk.AImistral-medium-3 · without Thunk.AIgpt-5-mini · with Thunk.AIgpt-5-mini · without Thunk.AI
DispositionRecommendation is Green✅❌ Row does not match the condition.✅✅✅❌ Row does not match the condition.✅❌ Row does not match the condition.
AlertDate is 2026-08-16✅✅✅✅✅✅✅✅
AlertTransactions holds TXN-72214 (on the customer's account), TXN-72221 (on the customer's account), TXN-72228 (on the customer's account), TXN-72235 (on the customer's account)✅✅✅✅✅✅✅✅
DataIssueTransactionIds is empty✅✅✅✅✅✅✅✅
CustomerType is Business✅✅✅✅✅✅✅✅
AnnualIncomeUSD is 700000✅✅✅✅✅✅✅✅
RiskRating is Medium✅✅✅✅✅✅✅✅
IsPEP is No✅✅✅✅✅✅✅✅
SourceOfFundsDocumented is No✅✅✅✅✅✅✅✅
SanctionsFlag is No✅✅✅✅✅✅✅✅
VolumeVsPeerRatio is 1.1✅✅✅✅✅✅✅❌ Row does not match the condition.
PriorSARFilingDates is empty✅✅✅✅✅✅✅✅
RecentTransactions holds all 5 transactions on the customer's account✅✅✅✅✅✅✅✅
RedFlagsRaised is empty✅❌ Row does not match the condition.✅✅✅❌ Row does not match the condition.✅❌ Row does not match the condition.
UnexplainedFlags is empty✅❌ Row does not match the condition.✅✅✅❌ Row does not match the condition.✅❌ Row does not match the condition.
ExplainedFlags is empty✅✅✅✅✅✅✅✅
Typology is Not suspicious✅❌ Row does not match the condition.✅✅✅❌ Row does not match the condition.✅❌ Row does not match the condition.
SARRequired is No✅❌ Row does not match the condition.✅✅✅❌ Row does not match the condition.✅❌ Row does not match the condition.
SARFilingDeadline is empty✅❌ Row does not match the condition.✅✅✅❌ Row does not match the condition.✅❌ Row does not match the condition.
SARFile is empty✅❌ Row does not match the condition.✅✅✅❌ Row does not match the condition.✅✅
ReviewerName is Jordan Okafor✅❌ Row does not match the condition.✅✅✅❌ Row does not match the condition.✅❌ Row does not match the condition.
ReviewerRole is AML Team Lead✅❌ Row does not match the condition.✅❌ Row does not match the condition.✅❌ Row does not match the condition.✅❌ Row does not match the condition.
ReviewDecision is Approved✅✅✅✅✅✅✅✅

0973 · 73_remittances_mexico_philippines

Family remittances to Mexico and the Philippines.

High-Risk Country Transactions (RULE007) · alert date 2026-08-17 · customer C-30173 · transactions TXN-72263,TXN-72270 · expected: Green, no SAR

Checkgpt-5.1 · with Thunk.AIgpt-5.1 · without Thunk.AIgemini-3.5-flash · with Thunk.AIgemini-3.5-flash · without Thunk.AImistral-medium-3 · with Thunk.AImistral-medium-3 · without Thunk.AIgpt-5-mini · with Thunk.AIgpt-5-mini · without Thunk.AI
DispositionRecommendation is Green✅❌ Row does not match the condition.✅✅✅❌ Row does not match the condition.✅❌ Row does not match the condition.
AlertDate is 2026-08-17✅✅✅✅✅✅✅✅
AlertTransactions holds TXN-72263 (on the customer's account), TXN-72270 (on the customer's account)✅✅✅✅✅✅✅✅
DataIssueTransactionIds is empty✅✅✅✅✅✅✅✅
CustomerType is Individual✅✅✅✅✅✅✅✅
AnnualIncomeUSD is 58000✅✅✅✅✅✅✅✅
RiskRating is Medium✅✅✅✅✅✅✅✅
IsPEP is No✅✅✅✅✅✅✅✅
SourceOfFundsDocumented is No✅✅✅✅✅✅✅✅
SanctionsFlag is No✅✅✅✅✅✅✅✅
VolumeVsPeerRatio is 1.2✅✅✅✅✅✅✅❌ Row does not match the condition.
PriorSARFilingDates is empty✅✅✅✅✅✅✅✅
RecentTransactions holds all 5 transactions on the customer's account✅✅✅✅✅✅✅✅
RedFlagsRaised is empty✅❌ Row does not match the condition.✅✅✅❌ Row does not match the condition.✅❌ Row does not match the condition.
UnexplainedFlags is empty✅❌ Row does not match the condition.✅✅✅❌ Row does not match the condition.✅❌ Row does not match the condition.
ExplainedFlags is empty✅✅✅✅✅✅✅✅
Typology is Not suspicious✅❌ Row does not match the condition.✅✅✅❌ Row does not match the condition.✅❌ Row does not match the condition.
SARRequired is No✅✅✅✅✅✅✅❌ Row does not match the condition.
SARFilingDeadline is empty✅✅✅✅✅✅✅❌ Row does not match the condition.
SARFile is empty✅✅✅✅✅❌ Row does not match the condition.✅✅
ReviewerName is Jordan Okafor✅✅✅✅✅✅✅❌ Row does not match the condition.
ReviewerRole is AML Team Lead✅✅✅✅✅❌ Row does not match the condition.✅❌ Row does not match the condition.
ReviewDecision is Approved✅✅✅✅✅✅✅❌ Row does not match the condition.

0974 · 74_crypto_domestic_large

Large purchases at a US crypto exchange, within income.

Cryptocurrency Bridge Indicator (RULE012) · alert date 2026-08-18 · customer C-30174 · transactions TXN-72298,TXN-72305 · expected: Green, no SAR

Checkgpt-5.1 · with Thunk.AIgpt-5.1 · without Thunk.AIgemini-3.5-flash · with Thunk.AIgemini-3.5-flash · without Thunk.AImistral-medium-3 · with Thunk.AImistral-medium-3 · without Thunk.AIgpt-5-mini · with Thunk.AIgpt-5-mini · without Thunk.AI
DispositionRecommendation is Green✅✅✅✅✅❌ Row does not match the condition.✅❌ Row does not match the condition.
AlertDate is 2026-08-18✅✅✅✅✅✅✅✅
AlertTransactions holds TXN-72298 (on the customer's account), TXN-72305 (on the customer's account)✅✅✅✅✅✅✅✅
DataIssueTransactionIds is empty✅✅✅✅✅✅✅✅
CustomerType is Individual✅✅✅✅✅✅✅✅
AnnualIncomeUSD is 140000✅✅✅✅✅✅✅✅
RiskRating is Medium✅✅✅✅✅✅✅✅
IsPEP is No✅✅✅✅✅✅✅✅
SourceOfFundsDocumented is No✅✅✅✅✅✅✅✅
SanctionsFlag is No✅✅✅✅✅✅✅✅
VolumeVsPeerRatio is 1.4✅✅✅✅✅✅✅❌ Row does not match the condition.
PriorSARFilingDates is empty✅✅✅✅✅✅✅✅
RecentTransactions holds all 5 transactions on the customer's account✅✅✅✅✅✅✅✅
RedFlagsRaised is empty✅✅✅✅✅❌ Row does not match the condition.✅❌ Row does not match the condition.
UnexplainedFlags is empty✅✅✅✅✅❌ Row does not match the condition.✅❌ Row does not match the condition.
ExplainedFlags is empty✅✅✅✅✅✅✅❌ Row does not match the condition.
Typology is Not suspicious✅✅✅✅✅❌ Row does not match the condition.✅❌ Row does not match the condition.
SARRequired is No✅✅✅✅✅✅✅❌ Row does not match the condition.
SARFilingDeadline is empty✅✅✅✅✅✅✅❌ Row does not match the condition.
SARFile is empty✅✅✅✅✅✅✅✅
ReviewerName is Jordan Okafor✅✅✅✅✅✅✅❌ Row does not match the condition.
ReviewerRole is AML Team Lead✅✅✅❌ Row does not match the condition.✅✅✅❌ Row does not match the condition.
ReviewDecision is Approved✅✅✅✅✅✅✅❌ Row does not match the condition.

0975 · 75_data_issue_missing_transaction

One listed transaction does not exist; the other is an ordinary domestic payment.

High-Value International Wire (RULE005) · alert date 2026-08-19 · customer C-30175 · transactions TXN-72333,TXN-72340 · expected: Green, no SAR

Checkgpt-5.1 · with Thunk.AIgpt-5.1 · without Thunk.AIgemini-3.5-flash · with Thunk.AIgemini-3.5-flash · without Thunk.AImistral-medium-3 · with Thunk.AImistral-medium-3 · without Thunk.AIgpt-5-mini · with Thunk.AIgpt-5-mini · without Thunk.AI
DispositionRecommendation is Green✅✅✅✅✅❌ Row does not match the condition.✅✅
AlertDate is 2026-08-19✅✅✅✅✅✅✅✅
AlertTransactions holds TXN-72333 (on the customer's account)✅✅✅✅✅✅✅✅
DataIssueTransactionIds is TXN-72340✅✅✅✅✅✅✅✅
CustomerType is Individual✅✅✅✅✅✅✅✅
AnnualIncomeUSD is 170000✅✅✅✅✅✅✅✅
RiskRating is Medium✅✅✅❌ Row does not match the condition.✅✅✅✅
IsPEP is No✅✅✅✅✅✅✅✅
SourceOfFundsDocumented is No✅✅✅✅✅✅✅✅
SanctionsFlag is No✅✅✅✅✅✅✅✅
VolumeVsPeerRatio is 1.1✅✅✅✅✅✅✅❌ Row does not match the condition.
PriorSARFilingDates is empty✅✅✅✅✅✅✅✅
RecentTransactions holds all 4 transactions on the customer's account✅✅✅✅✅✅✅❌ Row does not match the condition.
RedFlagsRaised is empty✅✅✅✅✅❌ Row does not match the condition.✅✅
UnexplainedFlags is empty✅✅✅✅✅❌ Row does not match the condition.✅✅
ExplainedFlags is empty✅✅✅✅✅✅✅✅
Typology is Not suspicious✅✅✅✅✅❌ Row does not match the condition.✅✅
SARRequired is No✅✅✅✅✅✅✅✅
SARFilingDeadline is empty✅✅✅✅✅✅✅✅
SARFile is empty✅✅✅✅✅✅✅✅
ReviewerName is Jordan Okafor✅✅✅✅✅✅✅✅
ReviewerRole is AML Team Lead✅✅✅❌ Row does not match the condition.✅✅✅✅
ReviewDecision is Approved✅✅✅✅✅✅✅✅

0976 · 76_sar_exactly_24_months

The only concern is a SAR filed exactly 24 months before the alert.

High-Value International Wire (RULE005) · alert date 2026-09-24 · customer C-30176 · transactions TXN-72347 · expected: Amber, no SAR

Checkgpt-5.1 · with Thunk.AIgpt-5.1 · without Thunk.AIgemini-3.5-flash · with Thunk.AIgemini-3.5-flash · without Thunk.AImistral-medium-3 · with Thunk.AImistral-medium-3 · without Thunk.AIgpt-5-mini · with Thunk.AIgpt-5-mini · without Thunk.AI
DispositionRecommendation is Amber✅❌ Row does not match the condition.✅✅✅❌ Row does not match the condition.✅❌ Row does not match the condition.
AlertDate is 2026-09-24✅✅✅✅✅✅✅✅
AlertTransactions holds TXN-72347 (on the customer's account)✅✅✅✅✅✅✅✅
DataIssueTransactionIds is empty✅✅✅✅✅✅✅✅
CustomerType is Individual✅✅✅✅✅✅✅✅
AnnualIncomeUSD is 110000✅✅✅✅✅✅✅✅
RiskRating is Medium✅✅✅✅✅✅✅✅
IsPEP is No✅✅✅✅✅✅✅✅
SourceOfFundsDocumented is No✅✅✅✅✅✅✅✅
SanctionsFlag is No✅✅✅✅✅✅✅✅
VolumeVsPeerRatio is 1.1✅✅✅✅✅✅✅✅
PriorSARFilingDates holds 2024-09-24✅✅✅✅✅✅✅✅
RecentTransactions holds all 5 transactions on the customer's account✅✅✅✅✅✅✅✅
RedFlagsRaised is F✅❌ Row does not match the condition.✅✅✅✅✅❌ Row does not match the condition.
UnexplainedFlags is F✅❌ Row does not match the condition.✅✅✅✅✅❌ Row does not match the condition.
ExplainedFlags is empty✅✅✅✅✅✅✅✅
Typology is Repeat Subject (prior SAR)✅❌ Row does not match the condition.✅❌ Row does not match the condition.✅❌ Row does not match the condition.✅❌ Row does not match the condition.
SARRequired is No✅❌ Row does not match the condition.✅✅✅❌ Row does not match the condition.✅❌ Row does not match the condition.
SARFilingDeadline is empty✅❌ Row does not match the condition.✅✅✅❌ Row does not match the condition.✅❌ Row does not match the condition.
SARFile is empty✅❌ Row does not match the condition.✅✅✅❌ Row does not match the condition.✅❌ Row does not match the condition.
ReviewerName is Jordan Okafor✅❌ Row does not match the condition.✅✅✅❌ Row does not match the condition.✅❌ Row does not match the condition.
ReviewerRole is AML Team Lead✅❌ Row does not match the condition.✅❌ Row does not match the condition.✅❌ Row does not match the condition.✅❌ Row does not match the condition.
ReviewDecision is Approved✅✅✅✅✅✅✅✅

0977 · 77_fp_case_exactly_12_months

A farm's autumn-season volume (2.2 times its peers) was verified in a false-positive case closed exactly one year earlier.

Cash-Intensive Business Anomaly (RULE002) · alert date 2026-09-25 · customer C-30177 · transactions TXN-72389,TXN-72396,TXN-72403 · expected: Green, no SAR

Checkgpt-5.1 · with Thunk.AIgpt-5.1 · without Thunk.AIgemini-3.5-flash · with Thunk.AIgemini-3.5-flash · without Thunk.AImistral-medium-3 · with Thunk.AImistral-medium-3 · without Thunk.AIgpt-5-mini · with Thunk.AIgpt-5-mini · without Thunk.AI
DispositionRecommendation is Green✅⚪✅✅✅✅✅❌ Row does not match the condition.
AlertDate is 2026-09-25✅⚪✅✅✅✅✅✅
AlertTransactions holds TXN-72389 (on the customer's account), TXN-72396 (on the customer's account), TXN-72403 (on the customer's account)✅⚪✅✅✅✅✅✅
DataIssueTransactionIds is empty✅⚪✅✅✅✅✅✅
CustomerType is Business✅⚪✅✅✅✅✅✅
AnnualIncomeUSD is 950000✅⚪✅✅✅✅✅✅
RiskRating is Medium✅⚪✅✅✅✅✅✅
IsPEP is No✅⚪✅✅✅✅✅✅
SourceOfFundsDocumented is No✅⚪✅✅✅✅✅✅
SanctionsFlag is No✅⚪✅✅✅✅✅✅
VolumeVsPeerRatio is 2.2✅⚪✅✅✅✅✅✅
PriorSARFilingDates is empty✅⚪✅✅✅✅✅✅
RecentTransactions holds all 4 transactions on the customer's account✅⚪✅✅✅✅✅✅
RedFlagsRaised is E✅⚪✅✅✅✅✅✅
UnexplainedFlags is empty✅⚪✅✅✅✅✅❌ Row does not match the condition.
ExplainedFlags explains E✅⚪✅✅✅✅✅❌ Row does not match the condition.
Typology is Not suspicious✅⚪✅✅✅✅✅❌ Row does not match the condition.
SARRequired is No✅⚪✅✅✅✅✅❌ Row does not match the condition.
SARFilingDeadline is empty✅⚪✅✅✅✅✅❌ Row does not match the condition.
SARFile is empty✅⚪✅✅✅✅✅✅
ReviewerName is Jordan Okafor✅⚪✅✅✅✅✅❌ Row does not match the condition.
ReviewerRole is AML Team Lead✅⚪✅❌ Row does not match the condition.✅✅✅❌ Row does not match the condition.
ReviewDecision is Approved✅⚪✅✅✅✅✅❌ Row does not match the condition.

0978 · 78_documented_supplier_out_of_range

A coffee importer pays its documented Panama supplier, but far more than the documented range.

High-Value International Wire (RULE005) · alert date 2026-09-26 · customer C-30178 · transactions TXN-72431 · expected: Amber, no SAR

Checkgpt-5.1 · with Thunk.AIgpt-5.1 · without Thunk.AIgemini-3.5-flash · with Thunk.AIgemini-3.5-flash · without Thunk.AImistral-medium-3 · with Thunk.AImistral-medium-3 · without Thunk.AIgpt-5-mini · with Thunk.AIgpt-5-mini · without Thunk.AI
DispositionRecommendation is Amber✅❌ Row does not match the condition.✅❌ Row does not match the condition.✅✅✅❌ Row does not match the condition.
AlertDate is 2026-09-26✅✅✅✅✅✅✅✅
AlertTransactions holds TXN-72431 (on the customer's account)✅✅✅✅✅✅✅✅
DataIssueTransactionIds is empty✅✅✅✅✅✅✅✅
CustomerType is Business✅✅✅✅✅✅✅✅
AnnualIncomeUSD is 4800000✅✅✅✅✅✅✅✅
RiskRating is Medium✅✅✅✅✅✅✅✅
IsPEP is No✅✅✅✅✅✅✅✅
SourceOfFundsDocumented is No✅✅✅✅✅✅✅✅
SanctionsFlag is No✅✅✅✅✅✅✅✅
VolumeVsPeerRatio is 1.2✅✅✅✅✅✅✅✅
PriorSARFilingDates is empty✅✅✅✅✅✅✅✅
RecentTransactions holds all 4 transactions on the customer's account✅✅✅✅✅✅✅✅
RedFlagsRaised is C✅✅✅✅✅✅✅❌ Row does not match the condition.
UnexplainedFlags is C✅❌ Row does not match the condition.✅✅✅✅✅✅
ExplainedFlags is empty✅❌ Row does not match the condition.✅✅✅✅✅❌ Row does not match the condition.
Typology is Geographic Risk✅❌ Row does not match the condition.✅❌ Row does not match the condition.✅✅✅❌ Row does not match the condition.
SARRequired is No✅✅✅❌ Row does not match the condition.✅✅✅❌ Row does not match the condition.
SARFilingDeadline is empty✅✅✅❌ Row does not match the condition.✅✅✅❌ Row does not match the condition.
SARFile is empty✅✅✅❌ Row does not match the condition.✅✅✅✅
ReviewerName is Jordan Okafor✅✅✅❌ Row does not match the condition.✅✅✅❌ Row does not match the condition.
ReviewerRole is AML Team Lead✅✅✅❌ Row does not match the condition.✅✅✅❌ Row does not match the condition.
ReviewDecision is Approved✅✅✅✅✅✅✅❌ Row does not match the condition.

0979 · 79_data_issue_changes_e

One listed wire is on another customer's account; counting it would push the total over income.

High-Value International Wire (RULE005) · alert date 2026-09-27 · customer C-30179 · transactions TXN-72466,TXN-72473 · expected: Green, no SAR

Checkgpt-5.1 · with Thunk.AIgpt-5.1 · without Thunk.AIgemini-3.5-flash · with Thunk.AIgemini-3.5-flash · without Thunk.AImistral-medium-3 · with Thunk.AImistral-medium-3 · without Thunk.AIgpt-5-mini · with Thunk.AIgpt-5-mini · without Thunk.AI
DispositionRecommendation is Green✅✅✅✅✅❌ Row does not match the condition.✅❌ Row does not match the condition.
AlertDate is 2026-09-27✅✅✅✅✅✅✅✅
AlertTransactions holds TXN-72466 (on the customer's account), TXN-72473 (not on the customer's account)✅✅❌ Row does not match the condition.✅❌ Row does not match the condition.❌ Row does not match the condition.✅❌ Row does not match the condition.
DataIssueTransactionIds is TXN-72473✅✅✅✅✅✅✅✅
CustomerType is Individual✅✅✅✅✅✅✅✅
AnnualIncomeUSD is 70000✅✅✅✅✅✅✅✅
RiskRating is Low✅✅✅❌ Row does not match the condition.✅✅✅✅
IsPEP is No✅✅✅✅✅✅✅✅
SourceOfFundsDocumented is No✅✅✅✅✅✅✅✅
SanctionsFlag is No✅✅✅✅✅✅✅✅
VolumeVsPeerRatio is 1.2✅✅✅✅✅✅✅❌ Row does not match the condition.
PriorSARFilingDates is empty✅✅✅✅✅✅✅✅
RecentTransactions holds all 5 transactions on the customer's account✅✅✅✅✅✅✅✅
RedFlagsRaised is empty✅✅✅✅✅❌ Row does not match the condition.✅❌ Row does not match the condition.
UnexplainedFlags is empty✅✅✅✅✅❌ Row does not match the condition.✅❌ Row does not match the condition.
ExplainedFlags is empty✅✅✅✅✅✅✅✅
Typology is Not suspicious✅✅✅✅✅❌ Row does not match the condition.✅❌ Row does not match the condition.
SARRequired is No✅✅✅✅✅✅✅❌ Row does not match the condition.
SARFilingDeadline is empty✅✅✅✅✅✅✅❌ Row does not match the condition.
SARFile is empty✅✅✅✅✅✅✅✅
ReviewerName is Jordan Okafor✅✅✅✅✅✅✅❌ Row does not match the condition.
ReviewerRole is AML Team Lead✅✅✅❌ Row does not match the condition.✅✅✅❌ Row does not match the condition.
ReviewDecision is Approved✅✅✅✅✅✅✅❌ Row does not match the condition.

0980 · 80_pass_through_funded_by_cash

Two cash deposits over $10,000 are wired on to a car auction the next day.

Rapid Fund Movement (Pass-Through) (RULE009) · alert date 2026-09-28 · customer C-30180 · transactions TXN-72508,TXN-72515,TXN-72522 · expected: Amber, no SAR

Checkgpt-5.1 · with Thunk.AIgpt-5.1 · without Thunk.AIgemini-3.5-flash · with Thunk.AIgemini-3.5-flash · without Thunk.AImistral-medium-3 · with Thunk.AImistral-medium-3 · without Thunk.AIgpt-5-mini · with Thunk.AIgpt-5-mini · without Thunk.AI
DispositionRecommendation is Amber✅❌ Row does not match the condition.✅✅✅❌ Row does not match the condition.✅❌ Row does not match the condition.
AlertDate is 2026-09-28✅✅✅✅✅✅✅✅
AlertTransactions holds TXN-72508 (on the customer's account), TXN-72515 (on the customer's account), TXN-72522 (on the customer's account)✅✅✅✅✅✅✅✅
DataIssueTransactionIds is empty✅✅✅✅✅✅✅✅
CustomerType is Individual✅✅✅✅✅✅✅✅
AnnualIncomeUSD is 150000✅✅✅✅✅✅✅✅
RiskRating is Medium✅✅✅✅✅✅✅✅
IsPEP is No✅✅✅✅✅✅✅✅
SourceOfFundsDocumented is No✅✅✅✅✅✅✅✅
SanctionsFlag is No✅✅✅✅✅✅✅✅
VolumeVsPeerRatio is 1.3✅✅✅✅✅✅✅❌ Row does not match the condition.
PriorSARFilingDates is empty✅✅✅✅✅✅✅✅
RecentTransactions holds all 7 transactions on the customer's account✅✅✅✅✅✅✅✅
RedFlagsRaised is D✅❌ Row does not match the condition.✅✅✅❌ Row does not match the condition.✅❌ Row does not match the condition.
UnexplainedFlags is D✅❌ Row does not match the condition.✅✅✅❌ Row does not match the condition.✅❌ Row does not match the condition.
ExplainedFlags is empty✅✅✅✅✅✅✅✅
Typology is Layering✅❌ Row does not match the condition.✅❌ Row does not match the condition.✅❌ Row does not match the condition.✅❌ Row does not match the condition.
SARRequired is No✅✅✅✅✅❌ Row does not match the condition.✅❌ Row does not match the condition.
SARFilingDeadline is empty✅✅✅✅✅❌ Row does not match the condition.✅❌ Row does not match the condition.
SARFile is empty✅✅✅✅✅❌ Row does not match the condition.✅✅
ReviewerName is Jordan Okafor✅✅✅✅✅❌ Row does not match the condition.✅❌ Row does not match the condition.
ReviewerRole is AML Team Lead✅✅✅✅✅❌ Row does not match the condition.✅❌ Row does not match the condition.
ReviewDecision is Approved✅✅✅✅✅✅✅❌ Row does not match the condition.

0981 · 81_sar_deadline_month_end

Structuring with an alert on the last day of August.

Structuring Detection (RULE003) · alert date 2026-08-31 · customer C-30181 · transactions TXN-72557,TXN-72564,TXN-72571 · expected: Red, SAR due 2026-09-30

Checkgpt-5.1 · with Thunk.AIgpt-5.1 · without Thunk.AIgemini-3.5-flash · with Thunk.AIgemini-3.5-flash · without Thunk.AImistral-medium-3 · with Thunk.AImistral-medium-3 · without Thunk.AIgpt-5-mini · with Thunk.AIgpt-5-mini · without Thunk.AI
DispositionRecommendation is Red✅✅✅✅✅✅✅✅
AlertDate is 2026-08-31✅✅✅✅✅✅✅✅
AlertTransactions holds TXN-72557 (on the customer's account), TXN-72564 (on the customer's account), TXN-72571 (on the customer's account)✅✅✅✅✅✅✅✅
DataIssueTransactionIds is empty✅✅✅✅✅✅✅✅
CustomerType is Individual✅✅✅✅✅✅✅✅
AnnualIncomeUSD is 42000✅✅✅✅✅✅✅✅
RiskRating is Medium✅✅✅❌ Row does not match the condition.✅✅✅✅
IsPEP is No✅✅✅✅✅✅✅✅
SourceOfFundsDocumented is No✅✅✅✅✅✅✅✅
SanctionsFlag is No✅✅✅✅✅✅✅✅
VolumeVsPeerRatio is 1.2✅✅✅✅✅✅✅❌ Row does not match the condition.
PriorSARFilingDates is empty✅✅✅✅✅✅✅✅
RecentTransactions holds all 7 transactions on the customer's account✅✅✅✅✅✅✅✅
RedFlagsRaised is A✅❌ Row does not match the condition.✅✅✅✅✅✅
UnexplainedFlags is A✅❌ Row does not match the condition.✅✅✅✅✅✅
ExplainedFlags is empty✅✅✅✅✅✅✅✅
Typology is Structuring✅❌ Row does not match the condition.✅❌ Row does not match the condition.✅✅✅❌ Row does not match the condition.
SARRequired is Yes✅✅✅✅✅✅✅✅
SARFilingDeadline is 2026-09-30✅✅✅✅✅✅✅✅
SARFile holds the SAR draft's link✅✅✅✅✅✅✅❌ Row does not match the condition.
ReviewerName is Morgan Ellery✅✅✅✅✅✅✅✅
ReviewerRole is BSA Officer✅✅✅❌ Row does not match the condition.✅✅✅✅
ReviewDecision is Approved✅✅✅✅✅✅✅❌ Row does not match the condition.

0982 · 82_sanctions_flag_documented_rent

A customer whose sanctions flag is Yes receives rent that is fully documented on the KYC record.

Watchlist Match (RULE008) · alert date 2026-09-02 · customer C-30182 · transactions TXN-72599 · expected: Red, SAR due 2026-10-02

Checkgpt-5.1 · with Thunk.AIgpt-5.1 · without Thunk.AIgemini-3.5-flash · with Thunk.AIgemini-3.5-flash · without Thunk.AImistral-medium-3 · with Thunk.AImistral-medium-3 · without Thunk.AIgpt-5-mini · with Thunk.AIgpt-5-mini · without Thunk.AI
DispositionRecommendation is Red✅❌ Row does not match the condition.✅✅✅✅✅✅
AlertDate is 2026-09-02✅✅✅✅✅✅✅✅
AlertTransactions holds TXN-72599 (on the customer's account)✅✅✅✅✅✅✅✅
DataIssueTransactionIds is empty✅✅✅✅✅✅✅✅
CustomerType is Individual✅✅✅✅✅✅✅✅
AnnualIncomeUSD is 400000✅✅✅✅✅✅✅✅
RiskRating is High✅✅✅✅✅✅✅✅
IsPEP is No✅✅✅✅✅✅✅✅
SourceOfFundsDocumented is No✅✅✅✅✅✅✅✅
SanctionsFlag is Yes✅✅✅✅✅✅✅✅
VolumeVsPeerRatio is 1✅✅✅✅✅✅✅✅
PriorSARFilingDates is empty✅✅✅✅✅✅✅✅
RecentTransactions holds all 4 transactions on the customer's account✅✅✅✅✅✅✅❌ Row does not match the condition.
RedFlagsRaised is B✅✅✅✅✅✅✅❌ Row does not match the condition.
UnexplainedFlags is B✅✅✅✅✅✅✅✅
ExplainedFlags is empty✅✅✅✅✅✅✅❌ Row does not match the condition.
Typology is Sanctions✅❌ Row does not match the condition.✅❌ Row does not match the condition.✅✅✅❌ Row does not match the condition.
SARRequired is Yes✅❌ Row does not match the condition.✅✅✅✅✅✅
SARFilingDeadline is 2026-10-02✅❌ Row does not match the condition.✅✅✅✅✅✅
SARFile holds the SAR draft's link✅❌ Row does not match the condition.✅✅✅❌ Row does not match the condition.✅❌ Row does not match the condition.
ReviewerName is Morgan Ellery✅❌ Row does not match the condition.✅✅✅❌ Row does not match the condition.✅✅
ReviewerRole is BSA Officer✅❌ Row does not match the condition.✅❌ Row does not match the condition.✅❌ Row does not match the condition.✅✅
ReviewDecision is Approved✅✅✅✅✅❌ Row does not match the condition.✅❌ Row does not match the condition.