app/plugins/knowledge_base/typologies/aml/integration.md

Money Laundering Typology: Integration

Definition

Integration is the final stage of the money laundering process, where the "cleaned" money is reintroduced into the legitimate economy. This often involves purchasing high-value assets (real estate, luxury goods) or investing in legitimate business ventures.

Indicators & Red Flags

• Real Estate: Purchases made with large cash payments or funded by third-party checks/wires.
• Luxury Goods: High-value purchases (art, jewelry, cars) by individuals with no clear source of wealth.
• Business Investment: Creating or investing in companies with no logical business purpose or commercial viability.
• Loans: Repayment of loans with funds from unclear sources, or "sham loans" where the lender and borrower are the same entity.

Detection Logic

• Keyword Search: Scan documents/evidence for "Property", "Estate", "Escrow", "Deed", "Art", "Jewelry".
• Source of Wealth: Mismatch between "Occupation" and "Transaction Value" for asset purchases.

Response

• Verify Source of Funds (SoF) for the asset purchase.
• Check if the asset price is significantly different from market value (under/over-valuation).