AML Red Flags

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 🚩 AML Red Flags Every Analyst Should Know


In my CDD Analyst reviews at HSBC UK, I see one mistake again and again — analysts complete CDD but miss the RED FLAG staring at them.If you miss it, you miss financial crime.Here are the 5 categories interviewers at HSBC, Revolut, Barclays EXPECT you to know:1. Transaction Red Flags

Large round figures, Rapid in-out in 24-48 hrs (U-turn), Structuring under £10k, Profile inconsistent, Transfers to FATF grey list jurisdictions2. Customer Behaviour

Reluctant to provide KYC/SOF/SOW, Complex shell structures with no rationale, Evasive answers, Multiple accounts3. Business / Corporate

Mass registration address on Companies House, No real activity/no website/no employees, Grocery store doing £500k international wires, Use of nominees / bearer shares to hide UBO4. SOF / SOW Red Flags

Cannot explain funds/wealth, Wealth from high-corruption country with no legit career, Large cash business with no cash logic5. Sanctions & Adverse Media

OFAC / OFSI / EU / UN match, Adverse media for fraud/drug/tax evasion, PEP with unexplained wealth💡 What to do when you see a Red Flag?

Escalate → Document rationale → Send RFI

If suspicion remains → File SAR to NCA (UK) / FIU-IND (India)

Remember: You don't need proof, only suspicion.

Save this checklist. 

It will save your case and your interview.

Which red flag have you seen most often? 

Comment below 👇

#AML #RedFlags #KYC #EDD #FinancialCrime #Compliance #SAR #NCA #TransactionMonitoring #BeyondOnboarding #InterviewPrep #HSBC #FCC 




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