Inherent
59
Onboarding and product
Loading the book.
cust_9102
Harbour Cash Services Ltd.
Money services and remittance · Vancouver, BC · declared $20,000.00 / month
HighEntityHigh Kyc
Behavioural
47
Open alert composite
Residual
68
What the queue should feel
Why this rating
- Onboarding KYC rating+25
Relationship was onboarded at HIGH KYC risk.
- Product and activity risk+18
Declared activity is a money-services business.
- Legal entity+4
Legal persons have a wider range of controllers and beneficiaries to understand.
- Cash-intensive recent activity+12
CAD 36,200.00 of CAD 36,200.00 received in the last 30 days arrived in cash.
- Open monitoring indicators+47
Composite alert score 47 (MEDIUM confidence). Large cash transaction reporting threshold reached (+25); Cash receipts structured below the reporting threshold (+22).
Behavioural anomaly
isolation_forest_customer_behaviour 1.0. Score 0.538 against the rest of this population. Higher means less typical. It adds a bounded number of points and never files anything.
- txn count 7d0.085
- value 7d cad0.054
Timeline
Onboarding, movement, alerts and sample-list hits, newest first.
CASH ·
Received $8,700.00tx_000285
CASH ·
Received $9,500.00tx_000284
Alert ·
Cash receipts structured below the reporting thresholdAML-FI-003. 4 cash receipts between CAD 2,000.00 and the CAD 10,000.00 threshold total CAD 36,200.00 within 48 hours. Each receipt is below the large-cash line; together they are not. Threshold proximity is not proof of structuring — it is one input to a holistic review.
CASH ·
Received $8,800.00tx_000283
Alert ·
Large cash transaction reporting threshold reachedAML-FI-001. 4 cash receipts in 24 hours total CAD 36,200.00, which meets the CAD 10,000.00 large cash transaction threshold. This is a reporting observation, not by itself an indicator of suspicion.
CASH ·
Received $9,200.00tx_000282
Onboarding ·
Relationship opened
Money services and remittance. Declared $20,000.00 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
- Large cash transaction reporting threshold reachedReporting
AML-FI-001 · 4 cash receipts in 24 hours total CAD 36,200.00, which meets the CAD 10,000.00 large cash transaction threshold. This is a reporting observation, not by itself an indicator of suspicion.
- Cash receipts structured below the reporting thresholdHigh
AML-FI-003 · 4 cash receipts between CAD 2,000.00 and the CAD 10,000.00 threshold total CAD 36,200.00 within 48 hours. Each receipt is below the large-cash line; together they are not. Threshold proximity is not proof of structuring — it is one input to a holistic review.