Customer behaviour red flags

• Reluctance or refusal to provide standard identification or source-of-funds information that would normally be routine.
• Unusual urgency to complete a transaction, especially combined with resistance to normal checks.
• Ownership or control structures that are unnecessarily complex for the size or nature of the business, with no clear commercial reason.
• Payments made by, or to, a third party unconnected to the transaction, with no adequate explanation.

Behavioural red flags are about noticing when something doesn't add up, not about treating every difficult or impatient customer as suspicious. Context and a clear, credible explanation matter.