Your bank does not need to believe you have done something illegal before it starts asking questions.

What matters first is whether your behavior still looks like you.

A salary that suddenly triples can make perfect sense when someone becomes a CEO. The same jump in income, arriving through unexplained cash deposits or third parties, tells the monitoring system a very different story. Banks work with patterns, deviations and risk signals long before a human employee ever looks at the case.

Victoria Tsoy takes us inside that invisible layer of personal finance.

We discuss how transaction monitoring works, why dormant accounts and excessive borrowing can affect the way a client is assessed, and how legitimate money can still be delayed until its source is documented.

The episode also challenges several assumptions abou ...