Trigger
Why was this case selected?
Registered country
Romania
Review period
July 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 outputLogin activity from Ireland has grown steadily over the last three review periods and now makes up the majority of sessions. Funding remains a Romanian bank account, but recent transactions increasingly show Irish payroll-style credits and Irish merchant spend. No updated address evidence has been submitted since onboarding, and the customer has not been asked to clarify a change of circumstances.
Key Evidence
Login Activity
Wallet AdminIrish logins have increased from 40% to 68% of sessions over the last three periods.
Payment & Funding
Payment InstrumentsFunding account remains Romanian, but recurring Irish-sourced credits now appear monthly.
Transaction Activity
Core BankingIrish merchant spend now exceeds Romanian merchant spend.
KYC
KYC SystemIdentity verified against a Romanian passport at onboarding; no re-verification since.
Address Verification
KYC SystemAddress evidence is unchanged since onboarding and has not been refreshed.
Previous Reviews
Case ManagementA prior review six months ago flagged rising Irish login share but closed with no action.
Control / Policy Check
Prototype policy · synthetic example- Requirement
- Current residential address must be supported by qualifying recent proof of address.
- Observed
- Address evidence on file dates to onboarding and has not been refreshed despite a sustained shift in behavior.
- Additional context
- Recurring Irish-sourced income and a rising share of Irish logins and spend suggest a possible change of residence.
- Potential discrepancy
- No updated proof-of-address document reflecting a potential Irish residence is recorded.
Agent Conclusion
Mock AI outputPOTENTIAL CONTROL FAILURE
A sustained, multi-period shift toward Irish login activity, income, and spend was previously identified but not acted on. Address evidence has not been refreshed to reflect a possible change of residence.
Recommended action
Contact the customer to confirm current residence and request updated proof of address; re-open and review the prior monitoring case.
Evidence supporting conclusion
4 sources
Confidence
Medium
Human Review
The AI recommendation is a starting point, not the final decision. You own this decision.