1. Walk me through how you would handle an alert where multiple small incoming e-transfers are coming from unrelated individuals over several days.
2. How do you determine whether a customer’s stated occupation and income make sense when compared to their transaction patterns?
3. If you suspect that a customer may be using intermediaries or third-party accounts, what steps would you take to verify this?
4. Describe how you would review a corporate client with multiple layers of ownership — how do you identify the true beneficial owner (UBO)?
5. You encounter activity that might indicate potential money mule behaviour — what indicators would you look for, and how would you document your findings?
6. When reviewing accounts linked to high-risk geographies, what additional checks or validations would you perform?
7. Tell me how you decide whether a case should be escalated for STR/SAR filing, especially when evidence is incomplete or indirect.
8. How do you ensure your investigation summary is concise、defensible、and meets audit expectations?