📅Date: 2/3/26 ⏱️Duration: 60 minutes
📊Expertise Level: Beginner
Description:Trafficking networks adapt quickly, and their financial footprints shift depending on the form of exploitation. This session gives financial professionals a practical, typology-driven framework for understanding trafficking in all its forms—including labor trafficking, illicit massage businesses (IMBs), forced criminality, debt bondage, and funnel-account-based movement. Instead of looking at isolated red flags, participants will examine full operational models and see how money moves through each stage of exploitation.
Through case studies and pattern analysis, attendees will explore the difference between high-risk but legitimate activity and financial behavior that suggests control, coercion, or movement of illicit proceeds. The session ends with a detailed review of how these typologies connect to monitoring strategies, rule optimization, and stronger SAR escalation practices.
Who This Is Designed For
AML investigators, compliance analysts, risk teams, fraud professionals, and BSA officers who want a deeper, structured understanding of trafficking typologies and their financial footprints.
Agenda
Understanding the purpose and proper use of IRS W-9 and W-8 series forms
How company-branded vendor setup and banking forms support compliance and internal controls
Must-have fields every vendor form should capture (and why they matter)
Streamlining onboarding by consolidating documents into a single vendor-ready package
Validations that improve vendor data accuracy and reduce downstream issues
Required regulatory checks: IRS TIN matching, OFAC screening, and watchlist monitoring
Standardizing vendor names, addresses, and formats for cleaner data and easier audits
Special requirements for non-U.S. vendors, including VAT considerations and cross-border documentation
Determining frequency and scope for ongoing vendor validations
What You’ll Learn
Typology Foundations: Break down the operational models behind labor trafficking, IMBs, forced criminality, and coercive schemes.
Labor Trafficking Financial Profiles: Examine wage theft, payroll manipulation, employment-agency funnels, and sponsor-controlled accounts.
IMB & Commercial Sex Operation Structures: Understand the financial flows, ownership concealment, and payment practices specific to IMBs and sex-based exploitation.
Funnel Accounts & Money Movement Strategies: Identify transaction patterns that suggest controlled movement of funds, third-party access, and layered transfers.
Integrating Typologies into Monitoring & SAR Processes: Enhance detection logic, escalation pathways, and investigation consistency using typology-informed frameworks.
By the end of this course, you will be able to
Identify key financial behaviors connected to labor trafficking, IMBs, forced criminality, and funnel-account activity.
Distinguish normal high-risk patterns from exploitation-driven financial behavior.
Apply typology-based insights to strengthen monitoring rules and alert thresholds.
Build stronger SAR narratives grounded in organized, pattern-based analysis.
Enhance collaboration between monitoring, fraud, and investigations teams.
Note: This program meets the eligibility criteria for continuing education under ACFCS and is eligible for 1 credit.