Inherent
4
Onboarding and product
Loading the book.
cust_0003
Chidi Moreau
Software developer · Halifax, NS · declared $5,000.00 / month
HighPersonLow Kyc
Behavioural
69
Open alert composite
Residual
51
What the queue should feel
Why this rating
- Onboarding KYC rating+4
Relationship was onboarded at LOW KYC risk.
- Open monitoring indicators+69
Composite alert score 69 (HIGH confidence). LVCTR threshold reached by 24-hour aggregation (+25); Received value moved out again almost immediately (+20); Activity inconsistent with the customer's stated expected volume (+14).
Behavioural anomaly
isolation_forest_customer_behaviour 1.0. Score 0.333 against the rest of this population. Higher means less typical. It adds a bounded number of points and never files anything.
- txn count 7d0.042
- value 7d cad0.007
Timeline
Onboarding, movement, alerts and sample-list hits, newest first.
Virtual currency ·
Sent $840.00tx_000011
Alert ·
Activity inconsistent with the customer's stated expected volumeAML-VC-015. CAD 20,800.00 received over 30 days against a declared expected monthly volume of CAD 5,000.00 (4.2x).
Virtual currency ·
Received $1,400.00tx_000010
Alert ·
Activity inconsistent with the customer's stated expected volumeAML-VC-015. CAD 20,800.00 received over 30 days against a declared expected monthly volume of CAD 5,000.00 (4.2x).
Virtual currency ·
Received $2,200.00tx_000015
Alert ·
Activity inconsistent with the customer's stated expected volumeAML-VC-015. CAD 19,400.00 received over 30 days against a declared expected monthly volume of CAD 5,000.00 (3.9x).
Virtual currency ·
Received $900.00tx_000013
Alert ·
LVCTR threshold reached by 24-hour aggregationAML-VC-012. 3 receipt(s) grouped on conductor totalling CAD 15,800.00.
Alert ·
Activity inconsistent with the customer's stated expected volumeAML-VC-015. CAD 17,200.00 received over 30 days against a declared expected monthly volume of CAD 5,000.00 (3.4x).
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 ·
Sent $11,328.00tx_000235
Virtual currency ·
Received $11,800.00tx_000234
Alert ·
LVCTR threshold reached by 24-hour aggregationAML-VC-012. 2 receipt(s) grouped on conductor totalling CAD 14,900.00.
Alert ·
Received value moved out again almost immediatelyAML-VC-003. CAD 11,328.00 sent onward within 180 minutes of receiving CAD 11,800.00 across 1 receipt(s) - 96% of the value received in that window. First outflow 22 minutes after the triggering receipt.
Alert ·
Activity inconsistent with the customer's stated expected volumeAML-VC-015. CAD 16,300.00 received over 30 days against a declared expected monthly volume of CAD 5,000.00 (3.3x).
Alert ·
Receipts concentrated in newly observed addressesAML-VC-014. 79% of the value received in 24h came from 1 address(es) first observed within the last 7 days.
Virtual currency ·
Received $3,100.00tx_000012
Virtual currency ·
Received $1,400.00tx_000014
Onboarding ·
Relationship opened
Software developer. 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 · 2 receipt(s) grouped on conductor totalling CAD 14,900.00.
- LVCTR threshold reached by 24-hour aggregationReporting
AML-VC-012 · 3 receipt(s) grouped on conductor totalling CAD 15,800.00.
- Received value moved out again almost immediatelyHigh
AML-VC-003 · CAD 11,328.00 sent onward within 180 minutes of receiving CAD 11,800.00 across 1 receipt(s) - 96% of the value received in that window. First outflow 22 minutes after the triggering receipt.
- Activity inconsistent with the customer's stated expected volumeMedium
AML-VC-015 · CAD 16,300.00 received over 30 days against a declared expected monthly volume of CAD 5,000.00 (3.3x).
- Activity inconsistent with the customer's stated expected volumeMedium
AML-VC-015 · CAD 17,200.00 received over 30 days against a declared expected monthly volume of CAD 5,000.00 (3.4x).
- Activity inconsistent with the customer's stated expected volumeMedium
AML-VC-015 · CAD 19,400.00 received over 30 days against a declared expected monthly volume of CAD 5,000.00 (3.9x).
- Activity inconsistent with the customer's stated expected volumeMedium
AML-VC-015 · CAD 20,800.00 received over 30 days against a declared expected monthly volume of CAD 5,000.00 (4.2x).
- Activity inconsistent with the customer's stated expected volumeMedium
AML-VC-015 · CAD 20,800.00 received over 30 days against a declared expected monthly volume of CAD 5,000.00 (4.2x).
- Receipts concentrated in newly observed addressesLow
AML-VC-014 · 79% 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.
Recent transactions
| When | Reference | Rail | Direction | CAD |
|---|---|---|---|---|
| 2026-10-02 14:16 | tx_000011 | Virtual Currency | OUTGOING | $840.00 |
| 2026-09-30 16:16 | tx_000010 | Virtual Currency | INCOMING | $1,400.00 |
| 2026-09-27 06:46 | tx_000015 | Virtual Currency | INCOMING | $2,200.00 |
| 2026-09-23 14:25 | tx_000013 | Virtual Currency | INCOMING | $900.00 |
| 2026-09-22 16:22 | tx_000235 | Virtual Currency | OUTGOING | $11,328.00 |
| 2026-09-22 16:00 | tx_000234 | Virtual Currency | INCOMING | $11,800.00 |
| 2026-09-22 04:07 | tx_000012 | Virtual Currency | INCOMING | $3,100.00 |
| 2026-09-21 01:10 | tx_000014 | Virtual Currency | INCOMING | $1,400.00 |