Transaction Network & Money Movement Pattern Analysis

Meridian Community Bank • Last 30 Days • $4.2B Assets

Structuring Detection Rate

61.4%

-6.6% vs target

Graph Centrality Anomaly

4.8σ

Highest in 90d

Peer Velocity Deviation

accounts in layering quadrant

MCC Mismatch Rate

8.2%

+1.4% MoM

Alert-to-SAR Conversion

6.3%

Target: 8.5%

False Alert Suppression

72.1%

+4.8% MoM

Transaction Network Graph — 7-Node Mule Ring ($412K, 72H)

Structuring Pattern Heatmap by Amount Band & Branch

Detection Rate % (Red = Low, Green = High)

$0-5K

$5-8K

$8-10K

$10-15K

$15K+

Downtown

74.8%

58.2%

31.2%

69.4%

81.1%

Westside

79.3%

62.1%

29.8%

71.2%

77.6%

Airport

68.4%

55.3%

33.7%

66.8%

73.2%

Northgate

76.1%

60.4%

27.9%

70.3%

79.8%

Merchant Category Mismatch Rate by Sector

Settlement Lag Anomaly by Corridor

Round-Trip Fund Flow Rate

Network Expansion Hit Rate

34.2%

Expanded investigations yielding new entities

1-hop expansion 41.8%

2-hop expansion 28.3%

3-hop expansion 12.6%

High-Priority Network Expansion Investigations

Account ID	Centrality σ	Connected Nodes	Total Flow (72H)	Risk Score	Status
A-4821-9304	4.8	6	$412,340	94	Under Review
A-2203-7712	3.2	4	$218,920	87	Open Alert
A-8834-1129	2.9	5	$187,450	82	Queued
A-5591-3347	2.6	3	$164,220	76	Queued
A-7762-8801	2.4	4	$143,890	71	Cleared
A-3309-4456	2.1	3	$128,760	68	Queued

Dormant Account Activation Timeline (30D)

Peer Cohort Velocity Deviation

23 accounts in layering quadrant (high velocity, high deviation)

False Alert Suppression Quality Matrix

Threshold Tune

ML Scoring

Peer Group

Velocity Filter

Suppression %

68.2%

74.9%

61.3%

70.8%

Precision

0.82

0.89

0.76

0.84

Recall

0.71

0.68

0.79

0.73

F1 Score

0.76

0.77

0.78

Investigation Queue Depth

142

Open alerts (Target: reduce to 99)

High priority 38

Medium priority 67

Low priority 37

Avg. age (days) 8.4