Money mules
Both sides of the pattern: a payout destination shared across accounts on the way out, and many first-time senders or a rapid pass-through on the way in.
8 rules · v0.3.5
- Account under 1 h old requests a payout (bust-out/mule)
new_account_rapid_withdrawal - One recipient receives from several customers
beneficiary_reuse - One payout destination shared across merchants
shared_payout_destination - Many small payments to one recipient add up past a limit (smurfing)
amount_structuring_beneficiary - One account splits a big sum into many small payments
amount_structuring_account - Many external senders pay into one of our accounts
inbound_sender_fan_in - Money comes in and most of it goes out within minutes
rapid_pass_through - New account receives a large incoming payment
new_account_large_incoming_credit
Also flagged by additional checks:
- A dormant account suddenly becomes active again
DORMANT_WAKE
Only rules in the current release are listed. The rule name is the reason code you see in the evidence report.