TRAFFICKING
This "scaly anteater" is widely considered the most heavily trafficked mammal in the world due to the high demand for its meat and scales.
What is a Pangolin?
This type of malware encrypts a victim's files, with the attacker demanding payment to restore access.
What is Ransomware?
In the fintech world, "P2P" stands for this type of transaction or lending model
What is Peer-to-Peer
This higher level of KYC is required for customers who pose a greater risk, such as Politically Exposed Persons (PEPs).
What is Enhanced Due Diligence (EDD)?
This type of synthetic media, created using AI to impersonate executives or customers in video calls, is a top AML/Fraud threat for 2026.
What is a Deepfake?
This red flag involves bank accounts that collect small deposits from multiple geographic locations, which are then rapidly withdrawn in a different city or country to fund cartel operations.
What are Funnel Accounts?
This is the three-step process of money laundering: Placement, Integration, and this middle step where funds are moved through complex layers of transactions.
What is Layering?
Effective 2026, many US states now require these "kiosks" to have full KYC identification processes to prevent them from being used for anonymous drug or human trafficking payments.
What are Crypto ATMs?
Under the USA Patriot Act, financial institutions must maintain a "CIP," which stands for this.
What is a Customer Identification Program?
This is a red flag when a young individual with no dependents and a modest income suddenly buys a massive policy that has a significant one of these.
What is a Cash Surrender Value?
Unlike smuggling, which is a crime against a border, this crime is considered a crime against a person, regardless of whether they "consented" to the initial movement.
What is Human trafficking?
This specific fraud involves scammers placing fake stickers over legitimate payment codes in public spaces to redirect users to malicious websites.
What is QR Code Tampering (or Quishing)?
This technology, the foundation of most cryptocurrencies, is a decentralized, distributed ledger that records transactions across many computers.
What is a Blockchain?
This KYC term describes the "last mile" of transparency, identifying the natural person who ultimately owns or controls a legal entity.
What is Beneficial Ownership (or UBO)?
This US agency is responsible for investigating wildlife trafficking, often working with international partners.
What is the U.S. Fish and Wildlife Service (or Department of Justice)?
These "4 Ps" make up the standard international framework to combat human trafficking: Prevention, Protection, Prosecution, and this.
Partnership
This threat involves creating a "Frankenstein" profile by combining real data (like a child's SSN) with fabricated names and addresses to open checking accounts.
What is Synthetic Identity Fraud?
This "privacy service" pools multiple users' funds together to obscure the origin and destination of specific coins, a method frequently targeted by regulators.
What is a Mixer (or Tumbler)?
For a standard KYC check, banks must collect at minimum these four pieces of info: Legal name, Date of Birth, Identifying Number, and this.
What is a Physical Address?
This "wild" laundering method involves buying high-value, rare postage stamps or collectible "Magic the Gathering" cards because they are portable, hold value, and are rarely checked by customs.
What is Collectible/Alternative Asset Laundering?
Traffickers often use this specific method of control, making a victim believe they must work to pay off an impossible-to-repay travel or recruitment fee.
What is Debt Bondage?
A major identity fraud red flag for 2026 is when a new account applicant uses a phone number from this type of "internet-based" service rather than a traditional mobile carrier.
What is VoIP (Voice over IP)?
The U.S. Treasury's OFAC has issued sanctions against mixers like Tornado Cash and Blender.io, meaning U.S. persons are blocked from interacting with their associated addresses due to links to this North Korean hacking group.
What is the Lazarus Group?
A major red flag for labor trafficking is when multiple unrelated account holders list the exact same physical address and this other contact method during the KYC process.
What is the Same Phone Number?
In 2026, AML investigators are increasingly looking at "digital skins" and "loot boxes" in these platforms as a way for minors and criminals to launder small amounts of crypto.
What are Online Video Games (e.g., Roblox or Fortnite)?