Inherent
12
Onboarding and product
Loading the book.
cust_0001
Daniela Kowalski
Real estate agent · Toronto, ON · declared $5,000.00 / month
MediumPersonMedium Kyc
Behavioural
49
Open alert composite
Residual
42
What the queue should feel
Why this rating
- Onboarding KYC rating+12
Relationship was onboarded at MEDIUM KYC risk.
- Open monitoring indicators+49
Composite alert score 49 (HIGH confidence). LVCTR threshold reached by single receipt (+25); Activity inconsistent with the customer's stated expected volume (+14); Receipts concentrated in newly observed addresses (+10).
Behavioural anomaly
isolation_forest_customer_behaviour 1.0. Score 0.256 against the rest of this population. Higher means less typical. It adds a bounded number of points and never files anything.
- value 7d cad0.025
Timeline
Onboarding, movement, alerts and sample-list hits, newest first.
Virtual currency ·
Received $14,250.33tx_000209
Alert ·
LVCTR threshold reached by single receiptAML-VC-012. 1 receipt(s) grouped on conductor totalling CAD 14,250.33.
Alert ·
Activity inconsistent with the customer's stated expected volumeAML-VC-015. CAD 28,750.33 received over 30 days against a declared expected monthly volume of CAD 5,000.00 (5.8x).
Alert ·
Receipts concentrated in newly observed addressesAML-VC-014. 100% of the value received in 24h came from 1 address(es) first observed within the last 7 days.
Virtual currency ·
Received $900.00tx_000003
Virtual currency ·
Received $3,100.00tx_000000
Virtual currency ·
Received $1,500.00tx_000253
Virtual currency ·
Received $1,500.00tx_000252
Virtual currency ·
Received $1,500.00tx_000251
Alert ·
Receipts concentrated in newly observed addressesAML-VC-014. 100% of the value received in 24h came from 4 address(es) first observed within the last 7 days.
Virtual currency ·
Received $1,500.00tx_000250
Virtual currency ·
Received $3,100.00tx_000002
Virtual currency ·
Received $1,400.00tx_000001
Onboarding ·
Relationship opened
Real estate agent. Declared $5,000.00 a month.
Name screening
No sample-list hit at the 0.90 line.
Fictional names bundled with FINTRAC Sentinel so the screening control can be demonstrated offline. Not a legal designation.
Alerts
- LVCTR threshold reached by single receiptReporting
AML-VC-012 · 1 receipt(s) grouped on conductor totalling CAD 14,250.33.
- Activity inconsistent with the customer's stated expected volumeMedium
AML-VC-015 · CAD 28,750.33 received over 30 days against a declared expected monthly volume of CAD 5,000.00 (5.8x).
- Receipts concentrated in newly observed addressesLow
AML-VC-014 · 100% of the value received in 24h came from 4 address(es) first observed within the last 7 days.
- Receipts concentrated in newly observed addressesLow
AML-VC-014 · 100% of the value received in 24h came from 1 address(es) first observed within the last 7 days.
Recent transactions
| When | Reference | Rail | Direction | CAD |
|---|---|---|---|---|
| 2026-09-28 18:00 | tx_000209 | Virtual Currency | INCOMING | $14,250.33 |
| 2026-09-22 12:48 | tx_000003 | Virtual Currency | INCOMING | $900.00 |
| 2026-09-19 15:07 | tx_000000 | Virtual Currency | INCOMING | $3,100.00 |
| 2026-09-17 18:15 | tx_000253 | Virtual Currency | INCOMING | $1,500.00 |
| 2026-09-17 17:50 | tx_000252 | Virtual Currency | INCOMING | $1,500.00 |
| 2026-09-17 17:25 | tx_000251 | Virtual Currency | INCOMING | $1,500.00 |
| 2026-09-17 17:00 | tx_000250 | Virtual Currency | INCOMING | $1,500.00 |
| 2026-09-15 15:33 | tx_000002 | Virtual Currency | INCOMING | $3,100.00 |