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AML & Compliance

The eleven AML monitoring rules

Updated 14 Aug 2026

Summary

The eleven monitoring rules in Wakandi AML Risk Monitoring, and the behaviour each one looks for.

About 2 minutes · 3 steps. Also called: AML rules, detection rules, what gets flagged.

Prerequisites

  • A sign-in for Wakandi AML Risk Monitoring. Any role can read the rules; changing them needs an administrator.

Step-by-step

  1. Open Wakandi AML Risk Monitoring and sign in.
  2. In the top menu, click Settings. You'll land on the Rules tab.
  3. Read the list. Match % on the right tells you how often each rule has fired.

Settings, Rules, listing all eleven rules with severity, priority, whether they are on, and match rate
Settings, Rules, listing all eleven rules with severity, priority, whether they are on, and match rate

The eleven rules:

Large cash transactions

  • LCT Single (critical) — one cash transaction on its own above your reporting threshold.
  • LCT Cummulative (high) — cash transactions that add up past the threshold across a day.

Splitting and layering

  • Structuring (critical) — a larger sum broken into several smaller transactions to stay under a limit.
  • Rapid Movement (high) — money arriving and leaving again quickly, the account used as a pipe.

Against the member's own normal

  • Baseline Amount Deviation (low) — amounts well above what this member usually moves.
  • Baseline Volume Deviation (low) — more money in total than this member usually moves.
  • Unusual Frequency (high) — more transactions today than the member's average daily count, multiplied by your set figure.
  • Velocity Change (medium) — the pace of a member's activity changing sharply.

Shape and timing

  • Round Amount (medium) — clean round figures repeated, rather than the uneven amounts real business produces.
  • Off Peak Activity (high) — transactions outside the member's usual active hours.
  • Dormant Activation (medium) — a long-quiet account suddenly transacting.

Severity sets how urgent a case looks. Priority decides which rule is evaluated first. On shows whether the rule runs at all, so a rule reading No raises nothing.

Note: The eleven are built in. An administrator can add a custom rule with its own conditions.

Common pitfalls & FAQ

  • One rule matches far more than the rest. Its threshold probably sits below normal member behaviour. Review the value, not the members.
  • A rule shows 0%. Either it is switched off, or nothing has matched it yet. Check the On column first.
  • "LCT Cummulative" is spelled oddly. That is the label as it appears on screen. It means cumulative.
  • Which rules should be on? A policy decision for your compliance officer, not a default. Agree it before switching anything.