{"id":2017610,"date":"2026-04-17T11:58:29","date_gmt":"2026-04-17T11:58:29","guid":{"rendered":"https:\/\/staging.financialcrimeacademy.org\/identificacion-de-banderas-rojas-y-comportamiento-atipico-del-cliente\/---ecc4e0ec-db0b-4ae3-bdff-cdef72375193"},"modified":"2026-04-17T12:10:20","modified_gmt":"2026-04-17T12:10:20","slug":"identificacion-de-banderas-rojas-y-comportamiento-atipico-del-cliente","status":"publish","type":"post","link":"https:\/\/staging.financialcrimeacademy.org\/es\/identificacion-de-banderas-rojas-y-comportamiento-atipico-del-cliente\/","title":{"rendered":"Identificaci\u00f3n de banderas rojas y comportamiento at\u00edpico del cliente"},"content":{"rendered":"\n

Identifying red flags and atypical customer behavior accompany the entire customer life cycle and virtually every touch point with the customer. All of this is specific to a given organization and its products and services. However, some general red flags and types of behavior to look out for might indicate money laundering.<\/a><\/p>\n\n\n\n

Identifying Atypical Customer Behavior<\/h2>\n\n\n\n

Throughout the ongoing customer relationship, you must consider the following:<\/p>\n\n\n\n

Customer Behavior<\/h3>\n\n\n\n

What might make you suspicious is if the customer frequently changes your customer-facing representative several times in a short time without a legitimate reason. He could do this to find the weakest part of the chain or a customer representative that can be pressured or influenced. What is also atypical is if the client chooses an adviser who is geographically distant from himself or the location of the transaction. There is no legitimate reason for choosing that adviser over one who is closer. The customer may also ask for shortcuts or speed that can’t be explained, especially if he wants to find out who he is or what his background is. The customer might pressure the customer representative not to look too closely at the ID card. If the customer attempts to disguise themselves as the real owner of the business, this is almost always something to be sensitive about.<\/p>\n\n\n\n

Source of Funds<\/h3>\n\n\n\n

Sometimes the source of finance doesn\u2019t make sense and should raise questions about the basis of the transaction. Also, if you are an exporter of goods and have a client from a country home to big drug cartels, you want to keep things like the black market peso exchange in mind. Generally speaking, you want to look for large amounts of cash or significant private funding from an individual running a cash-intensive business. Additionally, it is advisable to be sensitive to a disproportionate amount of private funding or cash, which is inconsistent with the socio-economic profile of the individuals involved.<\/p>\n\n\n\n

Business Structure<\/h3>\n\n\n\n

Watch out if the ownership structure is overly complicated when there is no legitimate or economic reason, which also applies to business transactions involving countries with a high risk of money laundering, or if false or suspicious documents are used to back up dealings. In this regard, your mind should make the connection to offshore shell companies and fictitious invoices, bogus loans, and the like.<\/p>\n\n\n\n

\"Identifying<\/figure>\n\n\n\n

Identifying Transaction Red Flags<\/h2>\n\n\n\n

First, you need to make sure that your monitoring system alerts you to transactions or patterns that are unusual, large, or complicated. Your employees or automated systems can do this for you.<\/p>\n\n\n\n

However, what makes a transaction large or unusual will depend on the size of your business or organization and the services you offer. It will also depend on the types of customers and transaction activities you normally deal with.<\/p>\n\n\n\n

As a general rule, transaction monitoring should send you an alert in the following five situations, which could be signs of money laundering:<\/p>\n\n\n\n