The Shape of Deceit: Behavioral Consistency and Fragility in Money Laundering Patterns
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| Format: | Preprint |
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2025
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| _version_ | 1866915389874634752 |
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| author | Butvinik, Danny Yakobi, Ofir Cohen, Michal Einhorn Maliarsky, Elina |
| author_facet | Butvinik, Danny Yakobi, Ofir Cohen, Michal Einhorn Maliarsky, Elina |
| contents | Conventional anti-money laundering (AML) systems predominantly focus on identifying anomalous entities or transactions, flagging them for manual investigation based on statistical deviation or suspicious behavior. This paradigm, however, misconstrues the true nature of money laundering, which is rarely anomalous but often deliberate, repeated, and concealed within consistent behavioral routines. In this paper, we challenge the entity-centric approach and propose a network-theoretic perspective that emphasizes detecting predefined laundering patterns across directed transaction networks. We introduce the notion of behavioral consistency as the core trait of laundering activity, and argue that such patterns are better captured through subgraph structures expressing semantic and functional roles - not solely geometry. Crucially, we explore the concept of pattern fragility: the sensitivity of laundering patterns to small attribute changes and, conversely, their semantic robustness even under drastic topological transformations. We claim that laundering detection should not hinge on statistical outliers, but on preservation of behavioral essence, and propose a reconceptualization of pattern similarity grounded in this insight. This philosophical and practical shift has implications for how AML systems model, scan, and interpret networks in the fight against financial crime. |
| format | Preprint |
| id |
arxiv_https___arxiv_org_abs_2507_10608 |
| institution | arXiv |
| publishDate | 2025 |
| record_format | arxiv |
| spellingShingle | The Shape of Deceit: Behavioral Consistency and Fragility in Money Laundering Patterns Butvinik, Danny Yakobi, Ofir Cohen, Michal Einhorn Maliarsky, Elina Social and Information Networks Machine Learning Applications Conventional anti-money laundering (AML) systems predominantly focus on identifying anomalous entities or transactions, flagging them for manual investigation based on statistical deviation or suspicious behavior. This paradigm, however, misconstrues the true nature of money laundering, which is rarely anomalous but often deliberate, repeated, and concealed within consistent behavioral routines. In this paper, we challenge the entity-centric approach and propose a network-theoretic perspective that emphasizes detecting predefined laundering patterns across directed transaction networks. We introduce the notion of behavioral consistency as the core trait of laundering activity, and argue that such patterns are better captured through subgraph structures expressing semantic and functional roles - not solely geometry. Crucially, we explore the concept of pattern fragility: the sensitivity of laundering patterns to small attribute changes and, conversely, their semantic robustness even under drastic topological transformations. We claim that laundering detection should not hinge on statistical outliers, but on preservation of behavioral essence, and propose a reconceptualization of pattern similarity grounded in this insight. This philosophical and practical shift has implications for how AML systems model, scan, and interpret networks in the fight against financial crime. |
| title | The Shape of Deceit: Behavioral Consistency and Fragility in Money Laundering Patterns |
| topic | Social and Information Networks Machine Learning Applications |
| url | https://arxiv.org/abs/2507.10608 |