Inherent
4
Onboarding and product
Loading the book.
cust_0020
Hana Wang
Real estate agent · Toronto, ON · declared $5,000.00 / month
HighPersonLow Kyc
Behavioural
100
Open alert composite
Residual
72
What the queue should feel
Why this rating
- Onboarding KYC rating+4
Relationship was onboarded at LOW KYC risk.
- Open monitoring indicators+100
Composite alert score 100 (HIGH confidence). LVCTR threshold reached by 24-hour aggregation (+25); Receipts accumulating just below the reporting threshold (+18); Receipt volume far above the customer's own baseline (+18).
Behavioural anomaly
isolation_forest_customer_behaviour 1.0. Score 0.923 against the rest of this population. Higher means less typical. It adds a bounded number of points and never files anything.
- txn count 7d0.087
- distinct assets 7d0.015
- value 7d cad-0.014
Timeline
Onboarding, movement, alerts and sample-list hits, newest first.
Virtual currency ·
Sent $72.00tx_000207
Alert ·
Activity inconsistent with the customer's stated expected volumeAML-VC-015. CAD 35,590.04 received over 30 days against a declared expected monthly volume of CAD 5,000.00 (7.1x).
Virtual currency ·
Received $120.00tx_000206
Alert ·
Activity inconsistent with the customer's stated expected volumeAML-VC-015. CAD 35,590.04 received over 30 days against a declared expected monthly volume of CAD 5,000.00 (7.1x).
Virtual currency ·
Sent $72.00tx_000204
Alert ·
Activity inconsistent with the customer's stated expected volumeAML-VC-015. CAD 35,470.04 received over 30 days against a declared expected monthly volume of CAD 5,000.00 (7.1x).
Virtual currency ·
Received $120.00tx_000203
Alert ·
LVCTR threshold reached by 24-hour aggregationAML-VC-012. 7 receipt(s) grouped on conductor totalling CAD 21,720.04.
Alert ·
Activity inconsistent with the customer's stated expected volumeAML-VC-015. CAD 35,470.04 received over 30 days against a declared expected monthly volume of CAD 5,000.00 (7.1x).
Alert ·
Receipts concentrated in newly observed addressesAML-VC-014. 99% of the value received in 24h came from 2 address(es) first observed within the last 7 days.
Virtual currency ·
Received $5,800.01tx_000215
Alert ·
Fan-in: many distinct wallets funding one customerAML-VC-010. 6 distinct sending wallets sent CAD 21,600.04 to this customer in 24 hours.
Virtual currency ·
Received $4,600.01tx_000214
Alert ·
Receipt volume far above the customer's own baselineAML-VC-004. CAD 21,600.04 received in 24 hours against an active-day average of CAD 3,283.34 over 9 active day(s) in 90 days (6.6x); the customer's previous busiest day was CAD 15,800.03.
Virtual currency ·
Received $2,500.01tx_000213
Alert ·
LVCTR threshold reached by 24-hour aggregationAML-VC-012. 6 receipt(s) grouped on conductor totalling CAD 21,600.04.
Virtual currency ·
Received $3,100.01tx_000212
Alert ·
Receipts accumulating just below the reporting thresholdAML-VC-002. 3 receipts totalling CAD 8,700.01 (87.0% of the reporting threshold) grouped on same conductor. Proximity to a threshold is not by itself evidence of structuring.
Virtual currency ·
Received $2,399.99tx_000211
Virtual currency ·
Received $3,200.01tx_000210
Alert ·
Activity inconsistent with the customer's stated expected volumeAML-VC-015. CAD 35,350.04 received over 30 days against a declared expected monthly volume of CAD 5,000.00 (7.1x).
Alert ·
Receipts concentrated in newly observed addressesAML-VC-014. 100% of the value received in 24h came from 6 address(es) first observed within the last 7 days.
Virtual currency ·
Received $900.00tx_000202
Virtual currency ·
Sent $8,100.00tx_hop_237
Virtual currency ·
Sent $540.00tx_000196
Virtual currency ·
Received $400.01tx_000208
Virtual currency ·
Received $900.00tx_000195
Virtual currency ·
Received $400.00tx_000197
Alert ·
Receipts concentrated in newly observed addressesAML-VC-014. 93% of the value received in 24h came from 1 address(es) first observed within the last 7 days.
Virtual currency ·
Received $5,200.00tx_000254
Alert ·
Counterparty exposure to a higher-risk jurisdictionAML-VC-009. Exposure to IR on this transaction.
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 ·
Sent $1,860.00tx_000199
Virtual currency ·
Sent $1,320.00tx_000201
Virtual currency ·
Received $3,099.99tx_000198
Virtual currency ·
Received $2,200.00tx_000200
Virtual currency ·
Received $650.00tx_000205
Alert ·
One wallet used by multiple customersAML-VC-007. Address 0xe85e2cabeb10a7ca450f3499c247a707e3a37235 transacted with 2 different customers in the last 30 days, which can indicate an undisclosed third party.
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 24-hour aggregationReporting
AML-VC-012 · 6 receipt(s) grouped on conductor totalling CAD 21,600.04.
- LVCTR threshold reached by 24-hour aggregationReporting
AML-VC-012 · 7 receipt(s) grouped on conductor totalling CAD 21,720.04.
- Receipts accumulating just below the reporting thresholdMedium
AML-VC-002 · 3 receipts totalling CAD 8,700.01 (87.0% of the reporting threshold) grouped on same conductor. Proximity to a threshold is not by itself evidence of structuring.
- Receipt volume far above the customer's own baselineHigh
AML-VC-004 · CAD 21,600.04 received in 24 hours against an active-day average of CAD 3,283.34 over 9 active day(s) in 90 days (6.6x); the customer's previous busiest day was CAD 15,800.03.
- One wallet used by multiple customersHigh
AML-VC-007 · Address 0xe85e2cabeb10a7ca450f3499c247a707e3a37235 transacted with 2 different customers in the last 30 days, which can indicate an undisclosed third party.
- Fan-in: many distinct wallets funding one customerMedium
AML-VC-010 · 6 distinct sending wallets sent CAD 21,600.04 to this customer in 24 hours.
- Activity inconsistent with the customer's stated expected volumeMedium
AML-VC-015 · CAD 35,350.04 received over 30 days against a declared expected monthly volume of CAD 5,000.00 (7.1x).
- Activity inconsistent with the customer's stated expected volumeMedium
AML-VC-015 · CAD 35,470.04 received over 30 days against a declared expected monthly volume of CAD 5,000.00 (7.1x).
- Activity inconsistent with the customer's stated expected volumeMedium
AML-VC-015 · CAD 35,470.04 received over 30 days against a declared expected monthly volume of CAD 5,000.00 (7.1x).
- Activity inconsistent with the customer's stated expected volumeMedium
AML-VC-015 · CAD 35,590.04 received over 30 days against a declared expected monthly volume of CAD 5,000.00 (7.1x).
- Activity inconsistent with the customer's stated expected volumeMedium
AML-VC-015 · CAD 35,590.04 received over 30 days against a declared expected monthly volume of CAD 5,000.00 (7.1x).
- Counterparty exposure to a higher-risk jurisdictionMedium
AML-VC-009 · Exposure to IR on this transaction.
- 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.
- Receipts concentrated in newly observed addressesLow
AML-VC-014 · 93% of the value received in 24h came from 1 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 6 address(es) first observed within the last 7 days.
- Receipts concentrated in newly observed addressesLow
AML-VC-014 · 99% of the value received in 24h came from 2 address(es) first observed within the last 7 days.
Recent transactions
| When | Reference | Rail | Direction | CAD |
|---|---|---|---|---|
| 2026-10-03 02:48 | tx_000207 | Virtual Currency | OUTGOING | $72.00 |
| 2026-09-30 05:48 | tx_000206 | Virtual Currency | INCOMING | $120.00 |
| 2026-09-29 10:42 | tx_000204 | Virtual Currency | OUTGOING | $72.00 |
| 2026-09-28 13:42 | tx_000203 | Virtual Currency | INCOMING | $120.00 |
| 2026-09-27 15:58 | tx_000215 | Virtual Currency | INCOMING | $5,800.01 |
| 2026-09-27 14:01 | tx_000214 | Virtual Currency | INCOMING | $4,600.01 |
| 2026-09-27 12:20 | tx_000213 | Virtual Currency | INCOMING | $2,500.01 |
| 2026-09-27 10:58 | tx_000212 | Virtual Currency | INCOMING | $3,100.01 |