Velocity, value, counterparty, and channel patterns scored against the customer's own behavioural baseline in real time. Adaptive models, not static rules — each customer is their own control group.

Structuring, layering, mule-network detection, suspicious activity reporting. A regulatory obligation with teeth — $6.6bn of KYC-related fines paid globally in 2023 alone.

The hardest problem: a real person, correctly verified, acting in bad faith — bust-out, chargeback abuse, dispute manipulation. US losses exceed $100bn a year. Only solvable with cross-institution data: the abuser looks clean at any single firm.

Profile changes, new payee creation, P2P enrollment, credential resets — the events that precede money leaving. Triggers step-up re-verification back through Module 01: the loop closes.