Transaction Risk Indicators (TRIs)

Overview

Transaction Risk Indicators (TRIs) are predefined signals that help assess the likelihood a transaction is suspicious or fraudulent. Examples include unusually large amounts, transactions inconsistent with customer profile, links to high-risk countries, or rapid fund movements.Regulators expect institutions to define and document TRIs as part of AML monitoring frameworks.

TRIs allow systems to prioritize alerts, ensuring higher-risk cases are escalated quickly. Financial institutions, fintechs, and payment providers regularly refine TRIs to align with emerging typologies and regulatory guidance. By monitoring TRIs, institutions strengthen their ability to detect laundering, fraud, and terrorist financing activity in real time.

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