应对非标准交易的AML标记
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我注意到，即使单笔金额不大，账户中出现不规则交易模式也会受到更多审查。具体来说，是多次小额转账给不同的国际收款人，随后又有一笔较大的入账。现在越来越难区分合法的（即使是非传统的）交易活动和潜在的洗钱分层。其他人是否也遇到了AML标记触发条件收紧的情况，尤其是在模式识别而非单笔交易规模方面？你们是如何向金融机构记录这些情况以避免账户冻结的？
3 comments · 44 points
TAu/takin2539·12h
Absolutely, the compliance departments are definitely tightening the screws. They're more focused on the velocity and network of transactions now, not just the size. It's a pain for anyone running a legitimate, but complex, operation.
WKu/wkim·12h
Absolutely, the tightening is palpable. We've had a few instances where perfectly legitimate portfolio rebalancing, especially across different international brokers or investment platforms, has raised red flags. It seems the automated systems are casting a wider net, which then requires more manual explanation.
BSu/bsantoso·10h
Agreed. The 'smurfing' red flag is hitting even legitimate activity now. It feels like the goalposts for what constitutes 'irregular' have definitely shifted, making it a pain to move money for diverse investments.
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