The conversion rate from manual alerts to suspicious transaction reports is approximately 10%, which is higher than for automated alerts. This underscores the importance of human vigilance in the suspicious activity detection process.

According to ACPR data, between 1% and 8% of alerts lead to enhanced reviews, and approximately 30% of these reviews result in a suspicious transaction report. The conversion rate from manual alerts to suspicious transaction reports is approximately 10%, which underscores the importance of human vigilance.

According to the ACPR, the majority of institutions conduct monitoring on a daily basis. However, some opt for weekly or monthly frequency, while fintechs and payment service providers may use real-time monitoring.

According to the ACPR's thematic review of April 2023, the most common scenarios include amount threshold exceedances, cash withdrawals representing more than 80% of deposits, transaction structuring just below regulatory thresholds, flows to or from countries on FATF lists, and cumulative transactions over a given period exceeding certain thresholds. These scenarios are essential for detecting suspicious activities.

The joint ACPR-TRACFIN guidelines of January 2025 emphasize the dynamic nature of due diligence. Mechanically completed risk grids are a thing of the past, as each business relationship must be subject to an evolving assessment based on concrete criteria.

Article L.561-6 of the Code monétaire et financier requires regulated professionals to carefully examine all transactions carried out in order to detect and prevent suspicious activities. This obligation is permanent and requires continuous vigilance.

Although the majority of institutions use automated tools, human vigilance is crucial. Two-thirds of institutions supplement automated monitoring with manual queries, and human vigilance generates between one-third and two-thirds of suspicious transaction reports. Therefore, human intervention is indispensable.