Unusual Transaction Reports (UTR)
Document, decide, and escalate with a guided investigation workflow
Not every unusual transaction rises to the level of a suspicious report. But documenting why (and what you did about it) is critical to a defensible compliance program. Our UTR workflow gives analysts a structured path to capture every detail, make consistent decisions, and seamlessly escalate when warranted.
Guided Investigation
Step-by-step workflow that ensures no indicator is missed. Multiple categories of ML/TF indicators, from identifying structuring, wire activity, jurisdictions, and MSB-specific patterns.
Smart Decisions
Choose from clear disposition options: escalate to Enhanced Due Diligence, open an AML case, close with rationale, or snooze for follow-up. Every decision is logged with supporting evidence.
Regulator Ready
All documentation, indicators, supporting documents, and decisions are captured in an immutable audit trail. Export a complete case file whenever you need it.
Built-In Intelligence
ML/TF indicators organized the way analysts think
- Identifying: False or inconsistent identifiers, suspicious documents
- Behaviour: Unusual urgency, reluctance to provide information, evasiveness
- Transactions: Structuring, unusual volume or frequency, rapid movement of funds
- Services: Requests outside normal business profile, unusual product usage
- Atypical: Out-of-pattern activity deviating from established behaviour
- Structuring: Transactions just below thresholds, multiple accounts, pattern avoidance
- Wire: Rapidly layered wire transfers, unusual routing, unexpected jurisdictions
- Jurisdictions: High-risk or sanctioned regions, unexpected geographic patterns
- Parties: Unusual counterparties, nested accounts, unexpected intermediaries
- TF: Terrorism financing indicators, non-profit concerns, informal value transfer
- MSB: Money service business specific patterns, unusual agent activity
Analysts can select all relevant indicators with a single click, and the system tracks which indicators were considered, selected, and why. We help you build a complete picture for reviewers and regulators.
Integrated With Everything
UTRs connect across your compliance stack
From Alerts
UTRs can be opened directly from transaction monitoring alerts, bringing all context with them.
To Risk
UTR decisions propagate into the risk engine, triggering immediate recalculation of customer risk scores.
To Filing
Escalate a UTR into a full SAR/STR case. All indicators, notes, and documents carry forward, no rework.
When Should You Use a UTR?
Not every unusual transaction is suspicious, but every one should be documented
A transaction or behaviour seems off but doesn't meet the threshold for a suspicious report.
An alert was raised by monitoring rules but the analyst determines it's a false positive, with justification.
You need to document an unusual request or pattern for later reference or pattern analysis.
A customer's transaction history shows a change in behaviour that warrants monitoring but not escalation.
Your policies require documentation of all unusual activity reviews, regardless of outcome.