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Fund-Usage Surveillance System Architecture

Data Ingestion & Preprocessing

• Input Source: Bank account mutation report (CSV, XML, or database stream) containing fields: TransactionID, Timestamp, AccountID, Description, Amount, Type (Debit/Credit), and Balance.
• Normalization: Standardize date-time formats, parse numerical amounts, and sort records chronologically by Timestamp per account to enable accurate velocity tracking.

Surveillance Pseudocode Algorithm

PROGRAM FundUsageSurveillance
    
    // Define Surveillance Thresholds & Risk Weights
    CONSTANT MAX_SINGLE_THRESHOLD = 50000.00
    CONSTANT VELOCITY_WINDOW_MINS = 60
    CONSTANT VELOCITY_LIMIT = 5
    CONSTANT HIGH_RISK_SCORE = 50

    // Main Execution Entry Point
    FUNCTION ProcessMutationReport(reportFile)
        rawRecords = LoadReport(reportFile)
        sortedRecords = SortByTimestamp(rawRecords)
        surveillanceAlerts = []

        FOR EACH tx IN sortedRecords
            currentRiskScore = 0
            violationFlags = []

            // Rule 1: Single Large Transaction Check
            IF tx.Amount > MAX_SINGLE_THRESHOLD AND tx.Type == "DEBIT" THEN
                currentRiskScore = currentRiskScore + 40
                APPEND "Exceeds Single Transaction Limit" TO violationFlags
            END IF

            // Rule 2: Transaction Velocity (Structuring / Smurfing Detection)
            recentTxList = GetTransactionsInTimeWindow(
                sortedRecords, 
                tx.AccountID, 
                tx.Timestamp, 
                VELOCITY_WINDOW_MINS
            )
            
            IF LENGTH(recentTxList) > VELOCITY_LIMIT THEN
                currentRiskScore = currentRiskScore + 35
                APPEND "High Frequency Velocity Breach" TO violationFlags
            END IF

            // Rule 3: Blacklisted or Watchlisted Destination Check
            IF IsInSanctionsOrBlacklist(tx.CounterpartyAccount) THEN
                currentRiskScore = currentRiskScore + 100
                APPEND "Blacklisted Counterparty Match" TO violationFlags
            END IF

            // Rule 4: Off-Hours Transaction Analysis (e.g., between 00:00 and 04:00)
            IF IsUnusualHour(tx.Timestamp) THEN
                currentRiskScore = currentRiskScore + 15
                APPEND "Off-Hours Transaction Activity" TO violationFlags
            END IF

            // Evaluation and Alert Logging
            IF currentRiskScore >= HIGH_RISK_SCORE THEN
                alertRecord = CREATE_ALERT(
                    ID: tx.TransactionID,
                    Account: tx.AccountID,
                    Time: tx.Timestamp,
                    Score: currentRiskScore,
                    Flags: violationFlags
                )
                APPEND alertRecord TO surveillanceAlerts
            END IF

        END FOR

        ExportSurveillanceOutput(surveillanceAlerts)
    END FUNCTION

    // Helper Functions
    FUNCTION IsInBlacklist(accountNumber)
        // Query secure compliance database
        RETURN DatabaseLookup("blacklist_table", accountNumber)
    END FUNCTION

    FUNCTION IsUnusualHour(timestamp)
        hour = EXTRACT_HOUR(timestamp)
        RETURN (hour >= 0 AND hour <= 4)
    END FUNCTION

END PROGRAM

Output & Reporting Phase

• Audit Trail Generation: The program compiles all triggered alertRecord entries into an encrypted compliance dashboard or generates a structured JSON/PDF report for human analysts.
• Risk Scoring Matrix: Aggregates individual scores to categorize monitored accounts into Low, Medium, or High-Risk tiers for automated freezing or manual compliance review.