u/aml_first_job

A customer has maintained a personal bank account for three years, with regular salary payments and fairly stable spending.

Over the last two weeks:

The account receives 12 transfers from different individuals.

The total amount is around three times the customer's usual monthly salary.

Most of the funds are transferred to a crypto exchange within 24 hours.

The customer has no known history of significant crypto activity.

If you were investigating this case, what would be your first step, and what additional information would you need before deciding whether to escalate it?

For those already working in AML/KYC, what’s one practical skill you wish you had learned before getting your first AML job?

Transaction monitoring?

Writing investigation narratives?

Understanding red flags?

KYC/EDD?

Using investigative tools?

I’m curious what experienced analysts think beginners should focus on before applying for their first role.