Trigger
Why was this case selected?
Registered country
Portugal
Review period
August 2026
Recent login distribution
More than 20 logins occurred outside the customer's registered country during the review period.
AI Investigation
What appears to have happened
Mock AI outputLogins from Spain are concentrated in a single, contiguous 8-day window, bracketed on both sides by normal login activity from Portugal. Card transactions during the same window show hotel and travel-related merchants in Spain, consistent with a short trip rather than a change of residence. The customer's bank account, address evidence, and the large majority of transaction activity remain Portuguese.
Key Evidence
Login Activity
Wallet AdminAll non-Portuguese logins fall within a single 8-day window.
Payment & Funding
Payment InstrumentsFunding account is a verified Portuguese bank account, unchanged for 3 years.
Transaction Activity
Core BankingSpanish merchant activity is limited to hotels and travel during the login window.
KYC
KYC SystemIdentity verified against a Portuguese passport with no outstanding items.
Address Verification
KYC SystemAddress supported by a utility bill dated within the last 4 months.
Previous Reviews
Case ManagementNo prior reviews on file for this account.
Control / Policy Check
Prototype policy · synthetic example- Requirement
- Current residential address must be supported by qualifying recent proof of address.
- Observed
- A utility bill dated within the last 4 months supports the registered Portuguese address.
- Additional context
- The Spain-origin logins and transactions align with a short, single trip rather than a pattern of residence.
- Potential discrepancy
- None identified.
Agent Conclusion
Mock AI outputNO ISSUE
The login pattern, transaction categories, and timing are consistent with short-term travel rather than a change of residence. Address evidence remains current and the funding account is unchanged.
Recommended action
No further action required. Close the case.
Evidence supporting conclusion
4 sources
Confidence
High
Human Review
The AI recommendation is a starting point, not the final decision. You own this decision.