Customers
Red flags include:
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International use of ATMs
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Customers who move frequently
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Opening deposits such as international wires, large cash sums
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Customers who are not local – ask why you won the business
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Credit balances – customers who over pay on credit line or card accounts
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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.
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Customer discusses record keeping requirements, or is nervous or threatening
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Customer will not proceed with a transaction once they are informed that it is reportable
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Customers who offer bribes
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Irrational behaviour, such as turning down a higher interest rate
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