Use ofintermediariesStructuringofdepositsShellcompanyTrade-basedmoneylaunderingUnusual loanarrangementsPoliticallyexposedperson(PEP)CharitablefrontBearersharesUse ofoffshoreentitiesCash-intensivebusinessOver- orunder-invoicingSmurfingPurchaseof luxuryassetsUse ofvirtualassetsCirculartransactionsLayeringUnexplainedwealthTransactionswith high-riskcountriesMultiplebankaccountsUse offamilyaccountsRapidmovementof fundsComplexownershipchainFrontcompanyThird-partypaymentsUse ofintermediariesStructuringofdepositsShellcompanyTrade-basedmoneylaunderingUnusual loanarrangementsPoliticallyexposedperson(PEP)CharitablefrontBearersharesUse ofoffshoreentitiesCash-intensivebusinessOver- orunder-invoicingSmurfingPurchaseof luxuryassetsUse ofvirtualassetsCirculartransactionsLayeringUnexplainedwealthTransactionswith high-riskcountriesMultiplebankaccountsUse offamilyaccountsRapidmovementof fundsComplexownershipchainFrontcompanyThird-partypayments

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