AML / KYC policies & rules
These rules are evaluated deterministically on every remittance — the AI never sets an outcome. Disable a rule to see the citation disappear from future screenings. All thresholds and authorities are simulated.
AML-SANC-01Sanctions & watchlist name match
Sanctions & PEP
Any remittance party matching a simulated sanctions/watchlist entry at ≥85% fuzzy score is blocked pending Compliance Officer review.
Threshold
Fuzzy match ≥ 85%
Authority
Banco Meridian AML Manual §4.1 (simulated)
AML-PEP-02Politically exposed person screening
Sanctions & PEP
PEP or close-associate matches require enhanced due diligence and human sign-off before release.
Threshold
Any PEP tier 1–2 match
Authority
Banco Meridian AML Manual §4.4 (simulated)
AML-STR-03Structuring / smurfing pattern
Structuring & Velocity
Three or more remittances from one sender below the USD 10,000 reporting threshold within a rolling 72 hours are treated as potential structuring.
Threshold
≥3 sends < $10,000 / 72h
Authority
Banco Meridian AML Manual §6.2 (simulated)
AML-VEL-04Sender velocity ceiling
Structuring & Velocity
A sender exceeding 8 outbound remittances or USD 25,000 aggregate in 30 days is routed to review.
Threshold
8 sends or $25,000 / 30d
Authority
Banco Meridian AML Manual §6.5 (simulated)
AML-COR-05High-risk corridor uplift
Corridor Risk
Corridors rated high risk add +20 to the transaction risk score and require corridor-specific source-of-funds evidence above USD 3,000.
Threshold
High-risk corridor + > $3,000
Authority
Banco Meridian Country Risk Matrix v7 (simulated)
AML-THR-06Reporting threshold breach
Thresholds
Single remittances at or above USD 10,000 generate a currency transaction report and require sign-off.
Threshold
≥ $10,000 single send
Authority
Banco Meridian Reporting Standard §2 (simulated)
KYC-REM-07Remittance party verification freshness
KYC
Sender identity verification older than 24 months must be refreshed before a remittance above USD 1,500 is released.
Threshold
KYC age > 24 months
Authority
Banco Meridian KYC Standard §3.3 (simulated)
KYC-REM-08Recipient beneficiary consistency
KYC
Recipient details must reconcile between the legacy core beneficiary record and the AWS remittance ledger.
Threshold
Field mismatch > 0
Authority
Banco Meridian KYC Standard §5.1 (simulated)