High RiskPattern ID: TYP-MONE
Money Mule Funnel Account Pattern
A funnel account is an individual or business account used to facilitate the movement of illicit funds. In this pattern, multiple "mules" make small cash deposits into a single account, often in different geographic locations, which are then rapidly withdrawn or transferred.
Operational Indicators
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Unexplained high-frequency transactions inconsistent with customer profile.
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Structuring of cash deposits just below regulatory reporting thresholds.
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Rapid movement of funds across multiple accounts in different jurisdictions.
Phase Info
Phase
Placement
Target
Retail & SME
info
Educational Use Disclaimer
This pattern is for educational purposes. Money laundering methods change quickly. Always verify against your local regulatory requirements (FATF, FinCEN, EU Directives).