AML Alert and Suspicious Activity Report Agent

AML analysts spend hours per alert gathering data and writing report narratives, and weak narratives draw regulator criticism. For each anti-money laundering alert, this agent gathers the customer profile, expected activity, transactions in the review period and counterparties. It tests for typical patterns such as structuring, rapid movement of funds and use of high-risk countries, and writes an analysis with a recommendation to close or escalate. For escalated cases it drafts the suspicious activity report narrative covering who, what, when, where and why. It checks the narrative against the required elements and the filing deadline. If an element is missing, it gathers more data and redrafts. Cases with a deadline inside five days go first. The analyst decides, and the compliance officer approves any filing. Edge case: cash deposits just under the reporting threshold across branches are linked as possible structuring.