Deposit AML Monitoring

Automated anti-money laundering threshold monitoring via daily balance snapshots.

Overview

The deposit AML monitoring system automatically flags accounts that breach configurable transaction thresholds during End-of-Day (EOD) processing. This provides compliance teams with real-time alerts and a complete audit trail.

How It Works

EOD Balance Snapshot

During EOD batch processing, eod_capture_balance_snapshots runs for every ACTIVE, DORMANT, and FROZEN account:

1. Captures daily snapshot — opening/closing balance, deposits, withdrawals, accrued interest
2. Checks AML thresholds — compares daily totals against product-level flags
3. Flags breaches — sets aml_flag = 1 with structured aml_details JSON
4. Queues notifications — inserts activity log entries for compliance review

AML Threshold Flags

These flags are configured per deposit product type:

Flag	Default	Description
AML_DAILY_DEPOSIT_THRESHOLD	10,000	Daily cumulative deposit amount trigger
AML_DAILY_WITHDRAWAL_THRESHOLD	10,000	Daily cumulative withdrawal amount trigger
AML_MONTHLY_TURNOVER_THRESHOLD	100,000	Monthly total turnover trigger
AML_ENABLE_NOTIFICATIONS	true	Whether to queue notification on breach

AML Details Structure

When a breach is detected, the aml_details JSON contains:

{
  "breach_type": "DAILY_DEPOSIT",
  "threshold": 10000.0,
  "actual_amount": 15000.0,
  "transaction_count": 3,
  "flagged_date": "2026-04-26"
}

Balance Snapshot Table

The deposit_account_balance_snapshot table stores one row per account per day:

Column	Description
opening_balance	Previous day's closing balance
closing_balance	Current account balance
total_deposits / total_withdrawals	Daily aggregates
deposit_count / withdrawal_count	Transaction counts
accrued_interest	Interest accrued on this day
blocked_amount / hold_amount	Active blocks and holds
aml_flag	1 if any threshold breached
aml_details	JSON with breach details

Frontend

The BalanceSnapshotDialog component provides:

• Date-filtered balance history table
• AML-only filter toggle
• Color-coded AML flag indicators (red rows for breaches)
• Click-through to detailed breach information
• Summary cards (avg balance, total deposits/withdrawals, AML flag count)

API Endpoints

Method	Path	Permission
POST	/deposit-accounts/eod/capture-balance-snapshots	RUN_EOD
POST	/deposit-accounts/eod/expire-holds	RUN_EOD