Triage signals for compliance, not verdicts
TransactIQ reads every Indian bank statement for the movement patterns that AML officers, investigators, and forensic auditors look for manually — structuring, unusual velocity, dormancy-and-burst, round-tripping, and circular flows. Each pattern is surfaced with the underlying evidence so a human can decide.
The six AML signals
Each signal surfaces a pattern — and the underlying rows that produced it — so a compliance reviewer moves straight to evidence, not to a black-box score.
Structuring detection
Transactions sized just below standard reporting thresholds — the textbook smurfing shape — are identified and counted. A single below-threshold deposit is unremarkable; a pattern of them, sequenced across days or split across counterparties, is exactly what a compliance review needs to see up front.
Velocity spikes
Every week of the statement is read against the account's own typical transaction count. Weeks with unusual activity bursts — a sudden multiple of normal turnover — are flagged for review. The baseline is per-account, so a salaried applicant and a trader do not get measured against the same ruler.
Dormancy-and-burst
Long quiet stretches followed by concentrated bursts of activity — the classic movement pattern in accounts used as temporary conduits — are surfaced explicitly. Dates of the dormancy and dates of the burst are both retained in the report so the reviewer can see the shape at a glance.
Round-trip matching
Credit-and-debit pairs with the same counterparty, similar amount, and a short time gap are matched and listed together. The report does not conclude that a round-trip is illicit — many are legitimate corrections or internal movements. It does surface every candidate pair so an auditor or investigator has the starting set in one place.
Circular transactions
Same-date, same-counterparty credit-and-debit pairs that inflate turnover without moving real value are flagged. This shape matters in IBC and audit contexts because it can show a statement engineered to look more active than the underlying business warrants.
Intra-bank transfer separation
Counterparties that appear in both the credit and debit flows are listed in a dedicated slice, separate from external counterparties. A forensic reviewer can then distinguish genuine third-party business from circular movement between the applicant's own or related accounts.
The composite layer
A summary view that supports triage, not a decision that replaces investigation.
Composite AML risk level
Across the six underlying signals, TransactIQ reports a single plain-English risk level on the account so compliance teams can prioritise cases. The composite exists to help triage a queue — it never replaces the detailed signal-by-signal view a SAR or enforcement review actually needs.
Who uses it
AML officers, investigation agencies, EDD teams, and forensic auditors. For a lender, these signals sit alongside the credit view — an applicant can be creditworthy and still raise a compliance question that has to be resolved before onboarding. Separating the two reads cleanly is the point.
Signal, not verdict
An AML signal is not an accusation. Structuring patterns can reflect a business that simply chooses invoice sizes below a reporting threshold for operational reasons. Round-trip pairs can reflect legitimate corrections. Dormancy-and-burst can reflect a seasonal account. The value TransactIQ adds is not to draw the conclusion — it is to make sure the pattern is never missed in a manual review that never had time to look at every week of every account.
Every compliance decision — enhanced due diligence, SAR filing, onboarding hold — stays with the compliance officer. TransactIQ gives them the starting set, the evidence, and the audit trail. The judgement stays human.
Walk through the AML signal set
Compliance and investigation teams can request a session on a representative sample statement to see how each signal is surfaced and evidenced.
Request a walkthrough