Inherent
4
Onboarding and product
Loading the book.
cust_0008
Ulla Kowalski
Teacher · Winnipeg, MB · declared $50,000.00 / month
LowPersonLow Kyc
Behavioural
24
Open alert composite
Residual
19
What the queue should feel
Why this rating
- Onboarding KYC rating+4
Relationship was onboarded at LOW KYC risk.
- Open monitoring indicators+24
Composite alert score 24 (MEDIUM confidence). Beneficiary shared across apparently unrelated customers (+14); Receipts concentrated in newly observed addresses (+10).
Behavioural anomaly
isolation_forest_customer_behaviour 1.0. Score 0.462 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
- distinct assets 7d0.006
- txn count 7d-0.008
Timeline
Onboarding, movement, alerts and sample-list hits, newest first.
Virtual currency ·
Sent $240.00tx_000057
Virtual currency ·
Received $250.00tx_000071
Alert ·
Receipts concentrated in newly observed addressesAML-VC-014. 94% of the value received in 24h came from 1 address(es) first observed within the last 7 days.
Virtual currency ·
Received $4,200.00tx_000217
Alert ·
Beneficiary shared across apparently unrelated customersAML-VC-008. 2 customers directed value to the same beneficiary within 7 days.
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 $400.00tx_000056
Virtual currency ·
Sent $150.00tx_000061
Virtual currency ·
Received $900.00tx_000065
Virtual currency ·
Received $400.00tx_000062
Virtual currency ·
Received $250.00tx_000060
Virtual currency ·
Sent $240.00tx_000067
Virtual currency ·
Received $400.00tx_000066
Virtual currency ·
Sent $540.00tx_000059
Virtual currency ·
Sent $240.00tx_000070
Virtual currency ·
Sent $840.00tx_000064
Virtual currency ·
Received $400.00tx_000069
Virtual currency ·
Received $1,400.00tx_000063
Virtual currency ·
Received $900.00tx_000058
Virtual currency ·
Received $650.00tx_000068
Onboarding ·
Relationship opened
Teacher. Declared $50,000.00 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
- Beneficiary shared across apparently unrelated customersMedium
AML-VC-008 · 2 customers directed value to the same beneficiary within 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.
- Receipts concentrated in newly observed addressesLow
AML-VC-014 · 94% 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 00:32 | tx_000057 | Virtual Currency | OUTGOING | $240.00 |
| 2026-09-27 09:15 | tx_000071 | Virtual Currency | INCOMING | $250.00 |
| 2026-09-26 12:00 | tx_000217 | Virtual Currency | INCOMING | $4,200.00 |
| 2026-09-25 10:32 | tx_000056 | Virtual Currency | INCOMING | $400.00 |
| 2026-09-17 21:08 | tx_000061 | Virtual Currency | OUTGOING | $150.00 |
| 2026-09-17 02:13 | tx_000065 | Virtual Currency | INCOMING | $900.00 |
| 2026-09-16 10:40 | tx_000062 | Virtual Currency | INCOMING | $400.00 |
| 2026-09-16 03:08 | tx_000060 | Virtual Currency | INCOMING | $250.00 |