CONFIDENTIAL · COMPLIANCE USE ONLY · MarketClair AML Decision Report
Reconstruction ID
MC-INV-1783032390335-6HKPE8Y...
Final Decision & Risk Assessment
Risk Signals & Regulatory Basis
⚠ UNUSUAL PATTERN⚠ VELOCITY SPIKE
1. UNUSUAL_PATTERN
FATF R.20 · FATF R.21 · 6AMLD Art. 3(4)
Document the deviation and rationale. Consider SAR if unexplained.
2. VELOCITY_SPIKE
FATF R.20 · FATF R.16 · 5AMLD Art. 13(1)(b)
Enhanced monitoring required. MLRO notification if pattern persists.
Engine-Generated Narrative & Evidence Package
The case was routed for manual compliance review following the detection of unusual pattern, velocity spike. The combined signal profile produced a risk score of 56/100, above the automated clearance threshold. The review decision was driven by cumulative risk exposure requiring additional analyst validation.
✓ Engine-generated narrative · v1.0.0 · Ruleset v1.0
| Ref | Type | Description | Integrity |
|---|
| EVT-001 | KYC Record | Customer verification at T0: N/A | ✓ VERIFIED |
| EVT-002 | Transaction Data | Transaction record at T0 | ✓ VERIFIED |
| EVT-003 | Alert History | 0 prior alert(s) on record | ✓ VERIFIED |
| EVT-004 | Sanctions Screening | EU · OFAC · UN lists checked at T0 | ✓ VERIFIED |
| EVT-005 | Risk Engine Output | Deterministic score 56/100 — 2 signal(s) | ✓ VERIFIED |
Decision Integrity — Independently Verifiable
This document is cryptographically sealed. Any alteration to inputs, rules, or outputs produces a different audit hash.
Audit Hash31aec014dfd3741e...53b51a0d
Data Hash4c91383a7bab572a...95101b10
Ruleset Hash4c3b3674957df239...e7c1edb9
Decision Hash9f1975f55d87690b...173646aa
Execution Trace Hashd0da7ba6483128f1...fd36245e
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Online Verification Portal
Use the reconstruction ID to access the complete evidence package, deterministic replay, execution trace and regulatory view.
https://marketclair.vercel.app/api/aml-investigation/regulator?id=MC-INV-1783032390335-6HKPE8YIO
⚙️
Public Verification API
POST request — no authentication required. Returns all hash checks.
https://marketclair.vercel.app/api/aml-investigation/verify
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Reconstruction ID
Use this ID in any verification method above.
MC-INV-1783032390335-6HKPE8YIO
✓ Cryptographically sealed
✓ Immutable
✓ Timestamped
✓ Non-repudiable
✓ Independently verifiable
✓ Replay MATCH
This report is a signed summary. The complete deterministic evidence package — including full timeline, replay engine, execution trace, RQL queries, and MLRO audit trail — is available through the Online Verification Portal using the reconstruction ID above.