Agrani Exchange House - Singapore AML/CFT Portal (str.agraniex.sg)

AML Portal Authentication

Select your designated operational desk

Operational Desk

Branch Location

Officer / Staff ID

Instant Watchlist / Blacklist Screening

Screen customer NRIC / Work Permit / FIN / Passport before initiating transaction.

MAS-Compliant Teller Fast Flagging Form

Target SLA: 60 Seconds. Mark observed counter red flags without lengthy narratives.

1. Remitter & Employment Details (Singapore CDD)

Counter Number

Remitter Full Name *

Remitter FIN / WP / Passport *

MOM Pass Type *

Declared Monthly Salary (SGD)

Employer / Company Name

Remitter Mobile Number

Transaction Date *

2. Transaction & Beneficiary Cross-Check

TT Reference Number *

Remittance Amount (SGD) *

Beneficiary Full Name

Relationship to Remitter

3. Grounds for Suspicion (Singapore AML Red Flags Checklist) *

A. Customer Demeanor & Coercion Customer receiving instructions on call or accompanied by handler outside Defensive, hesitant, or aggressive when asked standard KYC questions Individual attempting to remit on behalf of multiple foreign workers

B. Structuring & Threshold Evasion Amount intentionally broken down just below mandatory ID/declaration thresholds Multiple small transactions within consecutive days (Structuring / Smurfing) Dormant profile suddenly initiating high-value repetitive transfers

C. Economic Profile & Wage Inconsistency Remittance value grossly exceeds declared wage/earning capacity Claims money was borrowed from fellow dormitory workers with no documentation

D. Beneficiary & Channel Irregularities Beneficiary has no family tie or is suspected commercial shell entity Cash source received via immediate PayNow/FAST from unknown Singapore third party

Teller Observational Notes (Direct Counter Narrative)

Your Branch's Submission Log (Today)

Docket ID	TT Number	Amount	Logged Date

MAS / AEH Watchlist & Blacklist Master

Live screening list enforced across Serangoon, Jurong East, Jookoon, Woodlands, and Tuas

Compliance Enhanced Due Diligence (EDD) Queue

Evaluate teller flags against MAS Notices, MOM pass validity, and transaction velocity.

Docket / Date	Branch	Customer & Pass	TT Ref / Amount	Indicators Flagged	Status	EDD Review

Reporting Officer (RO) STRO / CAD Lodgement Package

Final statutory authority under CDSA Section 39 to approve and lodge STRs with CAD STRO.

Docket Ref	Branch	Subject Person	Amount	Compliance Evaluation	Status	Statutory Action / Export