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AML Audit Readiness for Banks, Fintechs and MSBs
Date: 2/25/26 ⏱️Duration: 60 minutes
📊Expertise Level: Beginner–Intermediate
Course Description: Human trafficking hides inside everyday financial activity, often blending in with legitimate transactions unless professionals know exactly what signals to look for. This session gives teams a clear, practical roadmap for recognizing the foundational patterns behind trafficking and illicit massage businesses (IMBs). Instead of relying on intuition or generic red-flag lists, participants will learn structured ways to read transaction flows, identify patterns that don’t fit the customer’s expected behavior, and link those observations to potential indicators of exploitation.
Using real investigative examples and pattern-based walkthroughs, the course breaks down what IMB-related activity actually looks like in financial data—from repetitive payments and unusual cash behavior to account structuring and funneling practices. Attendees will strengthen their ability to detect these activities earlier, escalate concerns appropriately, and support cases with strong, defensible documentation.
Who This Is Designed For
AML analysts, transaction monitoring teams, investigators, fraud personnel, and compliance professionals who need a foundational but practical introduction to identifying human trafficking and IMB-related activity through financial intelligence.
Agenda
Understanding Trafficking’s Financial Signals:: Identify the recurring financial behaviors and transaction flows that underpin human trafficking operations.
IMB Indicators & Business Model Patterns: Break down how IMBs generate revenue, manage expenses, move funds, and exploit customer accounts.
Core Red Flags in Transaction Monitoring: Recognize the key transaction combinations that distinguish trafficking from other high-risk activity.
Analyzing Customer Profiles & Account Behavior: Evaluate customer activity against expected patterns to identify unusual movement, structuring, or layering behavior.
Connecting Data Points & Preparing Escalations: Strengthen case files through clear explanations, pattern recognition, and consistent documentation.
By the end of this course, you will be able to:
Recognize key financial behaviors associated with trafficking and IMB operations.
Evaluate customer activity patterns using structured analysis techniques.
Connect fragmented financial signals into clearer indicators of exploitation.
Strengthen escalations and SAR narratives with precise investigative insights.
Improve alert handling and reduce missed trafficking-related activity.
Note: This program meets the eligibility criteria for continuing education under ACFCS and is eligible for 1 credit.
Date: 2/25/26 ⏱️Duration: 60 minutes
📊Expertise Level: Beginner–Intermediate
Course Description: Human trafficking hides inside everyday financial activity, often blending in with legitimate transactions unless professionals know exactly what signals to look for. This session gives teams a clear, practical roadmap for recognizing the foundational patterns behind trafficking and illicit massage businesses (IMBs). Instead of relying on intuition or generic red-flag lists, participants will learn structured ways to read transaction flows, identify patterns that don’t fit the customer’s expected behavior, and link those observations to potential indicators of exploitation.
Using real investigative examples and pattern-based walkthroughs, the course breaks down what IMB-related activity actually looks like in financial data—from repetitive payments and unusual cash behavior to account structuring and funneling practices. Attendees will strengthen their ability to detect these activities earlier, escalate concerns appropriately, and support cases with strong, defensible documentation.
Who This Is Designed For
AML analysts, transaction monitoring teams, investigators, fraud personnel, and compliance professionals who need a foundational but practical introduction to identifying human trafficking and IMB-related activity through financial intelligence.
Agenda
Understanding Trafficking’s Financial Signals:: Identify the recurring financial behaviors and transaction flows that underpin human trafficking operations.
IMB Indicators & Business Model Patterns: Break down how IMBs generate revenue, manage expenses, move funds, and exploit customer accounts.
Core Red Flags in Transaction Monitoring: Recognize the key transaction combinations that distinguish trafficking from other high-risk activity.
Analyzing Customer Profiles & Account Behavior: Evaluate customer activity against expected patterns to identify unusual movement, structuring, or layering behavior.
Connecting Data Points & Preparing Escalations: Strengthen case files through clear explanations, pattern recognition, and consistent documentation.
By the end of this course, you will be able to:
Recognize key financial behaviors associated with trafficking and IMB operations.
Evaluate customer activity patterns using structured analysis techniques.
Connect fragmented financial signals into clearer indicators of exploitation.
Strengthen escalations and SAR narratives with precise investigative insights.
Improve alert handling and reduce missed trafficking-related activity.
Note: This program meets the eligibility criteria for continuing education under ACFCS and is eligible for 1 credit.