Structuring / Smurfing Scenarios

Structuring / Smurfing

Entity Specific Conduit

Generate an alert if a pair of users / businesses transact X amount in X period AND the sum of the transactions is X between them.

Best for:

  • Find a pair of entities transacting suspicious amounts between them

General Example:

For example, two entities might be suspicious if they transact with each other 150 times a day and exchange over $100,000.00 during that time but the net amount is close to $0.

How It Works:

Select from the dropdown menu to complete the logic.

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Structuring

Generate an alert if a pattern of nonconsecutive transactions are all fiat dollar values similar to each other.

Best for:

  • Structured movement of funds
  • Entities with many transactions with similar amounts

General Example:

For example, an entity is suspicious if it makes the following 10 transactions in a 24 hour period: $5000, $4800, $5000, $4900, $5100, $4999, $5000, $5099, $4950. (these transactions are all in very similar amounts).

How It Works:

Select from the dropdown menu to complete the logic.

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Layering

Generate an alert if a user or business has X percent of transactions meet Y criteria and then a subset of those meet Z criteria.

Best for:

  • Laundering money
  • Sending and receiving relative transactional amounts

General Example

For example, an entity might be suspicious if it receives $150,000 and immediately (in a 24 hour period) sends $145,500 to one entity and $4,500 to another.

How It Works:

Select from the dropdown menu to complete the logic.

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Pass-Through

Generate an alert if a user or business has X ratio between received and sent funds in a transaction.

Best for:

  • If an entity receives X, how much of X is transacted in Y time
  • Looking for a middle man
  • Look at net sent/received $ in transactions

General Example

For example, an entity might be suspicious if it receives $100,000 and sends out $100,000 in 6 transactions ($45,000, $20,000, $8,000, $13,000, $5,000, $9,000) in less than 24 hours.

How It Works:

Select from the dropdown menu to complete the logic.

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Pass-Through Transferred Percent

Generate an alert if a user or business sent X percent of their funds to another user / business.

General Example

For example, an entity might be suspicious if it receives $50,000 and immediately sends that sum (or a similar sum of $49,900) to another entity.

Best for:

  • Entity received a large initial amount of $ and a large percentage of it is sent to a single user
  • Looking for a middle man

How It Works:

Select from the dropdown menu to complete the logic.

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Transaction Funds Ratio

Generate an alert if a user or business receives X percent of their transactions from Y address out of all previously seen addresses.

General Example

For example, an entity might be suspicious if more than 50% of their transactions originate from California even though the rental company is located in and only operates in Minnesota.

Best for:

  • Unexpected change in location of sender from received funds
  • Unexpected location for a majority of senders in a transaction

How It Works:

Select from the dropdown menu to complete the logic.

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Transaction Statistics A

Generate an alert if the average individual transaction volume > X and < Y AND with/without combined volume < or > Z.

Best for:

  • Transactions with amounts near regulatory thresholds but not exceeding it
  • Smurfing

General Example:

For example, an entity might be suspicious if a certain number of its transactions are close to USA regulation thresholds of $10,000.

How It Works:

Select from the dropdown menu to complete the logic.

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