Inherent
37
Onboarding and product
Loading the book.
cust_9205
Aurora Cross-Border Trading Ltd.
Wholesale import and export · Toronto, ON · declared $40,000.00 / month
HighEntityHigh Kyc
Behavioural
61
Open alert composite
Residual
65
What the queue should feel
Why this rating
- Onboarding KYC rating+25
Relationship was onboarded at HIGH KYC risk.
- Product and activity risk+8
Declared activity is cross-border trade.
- Legal entity+4
Legal persons have a wider range of controllers and beneficiaries to understand.
- Open monitoring indicators+61
Composite alert score 61 (MEDIUM confidence). Trade payment diverges from the declared goods value (+36); International electronic funds transfer reporting threshold reached (+25).
Behavioural anomaly
isolation_forest_customer_behaviour 1.0. Score 0.564 against the rest of this population. Higher means less typical. It adds a bounded number of points and never files anything.
- value 7d cad0.046
- txn count 7d-0.010
- distinct assets 7d-0.013
Timeline
Onboarding, movement, alerts and sample-list hits, newest first.
EFT ·
Sent $48,000.00tx_000297
Alert ·
Trade payment diverges from the declared goods valueAML-TB-001. The invoice of CAD 48,000.00 is 300% above the declared goods value of CAD 12,000.00 for plastic household articles. A gap of that size is an indicator associated with over- or under-invoicing. It is not a finding that trade-based laundering occurred.
Alert ·
International electronic funds transfer reporting threshold reachedAML-FI-002. 1 international outgoing electronic funds transfer(s) total CAD 48,000.00 involving AE, meeting the CAD 10,000.00 EFTR threshold. This is a reporting observation, not by itself an indicator of suspicion.
Onboarding ·
Relationship opened
Wholesale import and export. Declared $40,000.00 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
- Trade payment diverges from the declared goods valueHigh
AML-TB-001 · The invoice of CAD 48,000.00 is 300% above the declared goods value of CAD 12,000.00 for plastic household articles. A gap of that size is an indicator associated with over- or under-invoicing. It is not a finding that trade-based laundering occurred.
- International electronic funds transfer reporting threshold reachedReporting
AML-FI-002 · 1 international outgoing electronic funds transfer(s) total CAD 48,000.00 involving AE, meeting the CAD 10,000.00 EFTR threshold. This is a reporting observation, not by itself an indicator of suspicion.
Recent transactions
| When | Reference | Rail | Direction | CAD |
|---|---|---|---|---|
| 2026-09-23 16:10 | tx_000297 | Eft | OUTGOING | $48,000.00 |