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Funds Flow Analysis

Overview

Funds flow analysis reconstructs the movement of money across accounts, instruments, and jurisdictions to understand origins, intermediaries, and destinations. It supports AML investigations, SAR narratives, chargeback disputes, and asset recovery. Analysts combine bank statements, ledger data, blockchain traces, KYC profiles, and external intelligence to map sequences and detect layering or integration.

Visual graph tools highlight hubs, circular flows, and mule corridors. In transaction monitoring, funds-flow heuristics strengthen scenarios by adding context (beneficiary risk, velocity, directionality). Regulators value clear, time-sequenced narratives with supporting evidence and rationale. Cross-institution cooperation and lawful information sharing improve coverage of complex networks.

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Transaction Monitoring

Monitor transactions in real-time and analyse past behaviour to identify suspicious activities and ensure regulatory compliance across the user journey.

AML Screening

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Database Verification

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Related Terms

Transaction Monitoring

Suspicious Activity/Transaction Report (SAR/STR)

FAQ

What does 'good' analysis include?

Chronology, counterparties, amounts, channels, and links to red flags/typologies. Visuals aid comprehension; conclusions must be evidence-backed and reproducible.

How does it aid SARs?

It turns raw transactions into a coherent story of suspicion, showing flows, beneficiaries, and why the pattern deviates from expected behavior.

Which tools help most?

Graph analytics, case management, blockchain explorers, and entity resolution. Automated enrichments (jurisdiction risk, sanctions hits) speed investigations.

Any pitfalls to avoid?

Confirmation bias, missing off-platform flows, and poor documentation. Validate assumptions, note gaps, and record data lineage for audit.