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VIG-2026-4085·
Structuring Below $10K – 31 Transfers
HIGHInvestigatingAI: 89% confidenceAt Risk: $278,000
Case Description
31 transfers over 12 days, all between $8,500–$9,800. Beneficiary names vary slightly but share same beneficiary account. Classic structuring pattern.
#structuring#smurfing#CTR#remittance
Risk Score86%
Assigned Team
Analyst
Flagged ByLSTM Velocity Engine
Created6/8/2026, 9:00:00 AM
Subject
Sender: WF-REF-9981-B
Industry
Banking
Amount at Risk
$278,000 USD
Escalation Level
L1 — L1 Analyst
ML
Mei LinStatus Changed
Status changed: OPEN → INVESTIGATING.
JW
James WhitfieldAnalyst Assigned· Banking Fraud Team
Assigned to Mei Lin for investigation.
JW
James WhitfieldTeam Assigned· Banking Fraud Team
Assigned to Banking Fraud Team.
AH
Ahmad HassanAlert Escalated
Alert escalated to case. Risk score 75.
SO
Sarah OkonkwoCase Created
Case automatically created by AI rule engine.
Evidence Locker
2 itemsSWIFT Transaction Log
MT103 raw transaction data export
Confirmed
GNN Entity Graph Export
Graph node-edge export — linked entities
Confirmed