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AML command center

Alert investigation workbench

AML-2026-0709-081 / CIF-KE-23219 / no-tipping-off investigation evidence

Sanctions queueclosed-no-action

Alert header

structuring

Alert type

structuring

transaction-monitoring typology

Customer

B**** L*****

CIF-KE-23219

Triggered at

09 Jul, 10:12

assigned to Kiptoo S.

Risk score

57

—threshold 80

risk score 57/10057.0%

Value: 57
Max: 100
Threshold: 80

Triggered transaction evidence

2 flagged txns

Txn ID	Date	Amount	Counterparty	M-Pesa ref	Channel	Pattern
AML-2026-0709-081-TXN-1	2026-07-09	Ksh 93,000	N**** SACCO	RGH22A4K6Z	M-Pesa paybill	split deposits by connected SACCO members
AML-2026-0709-081-TXN-2	2026-07-10	Ksh 81,500	S**** Group	RGH19Q5R2A	M-Pesa till	counterparty overlap with customer expected-activity exception

Customer profile

medium

KYC summary: SACCO-linked borrower KYC complete
Onboarding channel: SACCO partner
CRB status: performing
Account age: 504 days
Total txn volume 90d: Ksh 2,810,000
Expected activity: member dividend collections
Source of funds: member contributions

Decision panel

reason required

Investigation timeline

audit trail

At	Actor	Action	Note
09 Jul, 10:12	transaction-monitoring-engine	alert-created	structuring scenario crossed risk threshold with score 57.
11 Jul, 08:06	Kiptoo S.	evidence-triage	Flagged M-Pesa references, counterparty overlap, and expected-activity variance attached to case.
11 Jul, 09:15	MLRO queue	watchlist-check	No customer contact released before no-tipping-off check.

Related alerts

same customer or linked accounts

Alert ID	Type	Triggered	Status	Relationship
AML-2026-0711-042	velocity	11 Jul, 07:42	escalated	shared counterparty or device fingerprint
AML-2026-0711-039	structuring	11 Jul, 06:58	investigating	shared counterparty or device fingerprint
AML-2026-0711-036	PEP-match	11 Jul, 06:21	new	shared counterparty or device fingerprint