Red flags include:

  • International use of ATMs

  • Customers who move frequently

  • Opening deposits such as international wires, large cash sums

  • Customers who are not local – ask why you won the business

  • Credit balances – customers who over pay on credit line or card accounts

  • Common addresses, IP addresses, phone numbers – unrelated customers who share data points could be suspicious. Customers who change their information after opening an account to a shared data point are particularly suspicious.

  • Customer discusses record keeping requirements, or is nervous or threatening

  • Customer will not proceed with a transaction once they are informed that it is reportable

  • Customers who offer bribes

  • Irrational behaviour, such as turning down a higher interest rate

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