Risk score-based anti-money laundering system

A first computer system for monitoring a customer to detect money laundering activity, the first computer system comprising:

• a processor;
• and
• a memory coupled with the processor and storing instructions operable, when executed by the processor, to cause the first computer system:
• to receive, from a second computer system, a set of data related to at least a portion of transactional information of the customer;
• to transform the set of data into a money laundering risk score of the customer;
• to select a monitoring level from a first monitoring level and a second monitoring level to monitor data related to transactions of the customer based on the money laundering risk score, the first monitoring level selected in response to the money laundering risk score being greater than a threshold, the second monitoring level selected in response to the money laundering risk score being less than the threshold, and the first monitoring level associated with a first monitoring method different from a second monitoring method associated with the second monitoring level;
• to transmit, to a third computer system, at least a portion of personal data associated with the customer when the first monitoring level is selected and the first monitoring method detects that the customer matches a condition;
• to receive, from the third computer system, an instruction to report the customer as having conducted a suspicious money laundering activity;
• and
• to transmit, to a fourth computer system, a report of the suspicious money laundering activity, in response to the instruction.

A non-transitory computer-readable medium of a first computer system having program code recorded thereon for monitoring a customer to detect money laundering activity, the program code executed by a processor and comprising:

• program code to receive from a second computer system a set of data related to at least a portion of transactional information of the customer;
• program code to transform the set of data into a money laundering risk score of the customer;
• program code to select a monitoring level from a first monitoring level and a second monitoring level to monitor data related to transactions of the customer based on the money laundering risk score, the first monitoring level selected in response to the money laundering risk score being greater than a threshold, the second monitoring level selected in response to the money laundering risk score being less than the threshold, and the first monitoring level associated with a first monitoring method being different from a second monitoring method associated with the second monitoring level;
• program code to transmit, to a third computer system, at least a portion of personal data associated with the customer when the first monitoring level is selected and the first monitoring method detects that the customer matches a condition;
• program code to receive from, the third computer system, an instruction to report the customer as having conducted a suspicious money laundering activity;
• and
• program code to transmit, to a fourth computer system, a report of the suspicious money laundering activity in response to the instruction.