The Central Bank has identified three specific schemes that are…
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