Over- orunder-invoicingSmurfingUnusual loanarrangementsLayeringThird-partypaymentsTransactionswith high-riskcountriesComplexownershipchainUse ofvirtualassetsBearersharesUnexplainedwealthMultiplebankaccountsStructuringofdepositsCharitablefrontTrade-basedmoneylaunderingCirculartransactionsUse ofintermediariesUse offamilyaccountsCash-intensivebusinessPurchaseof luxuryassetsPoliticallyexposedperson(PEP)ShellcompanyFrontcompanyRapidmovementof fundsUse ofoffshoreentitiesOver- orunder-invoicingSmurfingUnusual loanarrangementsLayeringThird-partypaymentsTransactionswith high-riskcountriesComplexownershipchainUse ofvirtualassetsBearersharesUnexplainedwealthMultiplebankaccountsStructuringofdepositsCharitablefrontTrade-basedmoneylaunderingCirculartransactionsUse ofintermediariesUse offamilyaccountsCash-intensivebusinessPurchaseof luxuryassetsPoliticallyexposedperson(PEP)ShellcompanyFrontcompanyRapidmovementof fundsUse ofoffshoreentities

Advanced AML Red-Flag Bingo - Call List

(Print) Use this randomly generated list as your call list when playing the game. There is no need to say the BINGO column name. Place some kind of mark (like an X, a checkmark, a dot, tally mark, etc) on each cell as you announce it, to keep track. You can also cut out each item, place them in a bag and pull words from the bag.


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  1. Over- or under-invoicing
  2. Smurfing
  3. Unusual loan arrangements
  4. Layering
  5. Third-party payments
  6. Transactions with high-risk countries
  7. Complex ownership chain
  8. Use of virtual assets
  9. Bearer shares
  10. Unexplained wealth
  11. Multiple bank accounts
  12. Structuring of deposits
  13. Charitable front
  14. Trade-based money laundering
  15. Circular transactions
  16. Use of intermediaries
  17. Use of family accounts
  18. Cash-intensive business
  19. Purchase of luxury assets
  20. Politically exposed person (PEP)
  21. Shell company
  22. Front company
  23. Rapid movement of funds
  24. Use of offshore entities