1. How would you approach an investigation where transaction behaviour appears compliant on the surface but does not align with the customer’s overall risk profile?
2. A customer provides documentation that technically satisfies KYC requirements but still raises concerns — how would you proceed?
3. How do you evaluate the risk of rapid movement of funds through an account when there is no clear loss or gain to the customer?
4. What factors would lead you to question whether a customer is acting under external influence or coercion?
5. How would you assess the AML risk of accounts associated with newly formed businesses that show immediate high transaction volume?
6. During an investigation, how do you ensure your personal bias does not influence your conclusion when evidence is inconclusive?
7. How would you handle a case where the transaction activity is legal but inconsistent with the bank’s risk appetite?
8. Describe how you would justify your investigation outcome if challenged months later by audit or regulators.