跨境支付服务商的KYC/AML——识别“新”的危险信号

The increased use of shell companies with no clear economic purpose, especially those registered in less transparent jurisdictions, seems to be a consistent subtle red flag. Also, sudden, unexplained changes in transaction patterns for established clients, even if the amounts are not immediately alarming.

Totally agree, it's a moving target. We've been seeing an uptick in rapid, small-value transactions across multiple new accounts, almost like a testing phase before a larger-scale attempt. Also, linked accounts showing unusual geographic hops that don't make sense for the client's stated business.