Third-partypaymentsCharitablefrontUse ofvirtualassetsPurchaseof luxuryassetsSmurfingStructuringofdepositsUse offamilyaccountsShellcompanyPoliticallyexposedperson(PEP)LayeringRapidmovementof fundsUse ofoffshoreentitiesOver- orunder-invoicingFrontcompanyUnusual loanarrangementsUse ofintermediariesComplexownershipchainCirculartransactionsMultiplebankaccountsCash-intensivebusinessBearersharesTrade-basedmoneylaunderingUnexplainedwealthTransactionswith high-riskcountriesThird-partypaymentsCharitablefrontUse ofvirtualassetsPurchaseof luxuryassetsSmurfingStructuringofdepositsUse offamilyaccountsShellcompanyPoliticallyexposedperson(PEP)LayeringRapidmovementof fundsUse ofoffshoreentitiesOver- orunder-invoicingFrontcompanyUnusual loanarrangementsUse ofintermediariesComplexownershipchainCirculartransactionsMultiplebankaccountsCash-intensivebusinessBearersharesTrade-basedmoneylaunderingUnexplainedwealthTransactionswith high-riskcountries

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