The Central Bank has identified three specific schemes that are… (клиент · счёт · банк)
The Central Bank has identified three specific schemes that are almost guaranteed to attract the bank's attention. According to him, the first scheme involves depositing between 5 million rubles in cash within a 30-day period, provided that such deposits constitute at least 70% of all incoming funds to the client's account, and if subsequently, within ten days, at least 70% of the deposited amount is transferred abroad.
Consensus
- Banks analyze client transactions daily for suspicious activity
- Three specific transaction patterns can trigger bank attention
- Banks may request documentation or report suspicious activity to Rosfinmonitoring
- Large cash deposits or transfers may raise questions even if below the specified thresholds
Points of divergence
- The third pattern involves transfers without opening an account to legal entities or individual entrepreneurs, especially when the company is connected to foreign counterparties — vesti
- The third pattern involves transfers to legal entities or individual entrepreneurs without account opening, particularly when the company has connections with foreign counterparties — m24
Coverage (2 sources)
- Analyst Explains Why a Bank May Scrutinize a Client's Transaction — Вести
- Analyst Kotelevets: Deposits of 5 million rubles per month may raise bank questions — Москва 24