How should a fixed review team choose which accounts to hold?

$33.4mSynthetic bank transfers

Ranking accounts, not payments

of $78.4m stopped by holding the top 100 accounts a day, against $14.9m ranking by payment

What was observed

A day of bank transfers, with a review team that can look at a fixed number of cases.

What a generic approach says

Score each payment and review the riskiest ones.

What the engine read

Ranking the account behind the money, from its behaviour over days, put mules in 94% of the top 25 places each day.

What it meant for the decision

Holding the top 100 accounts a day would have stopped $33.4m of the $78.4m they went on to move, more than twice the $14.9m from ranking by payment.

Figures are reproduced from Luminnovate's research records. Data sources are available on request; methods are proprietary.