FinCEN issues joint advisory with 18 red flags and a SAR key term for payroll-fraud and identity-theft schemes involving unauthorized workers
Financial institutions' AML and suspicious-activity-monitoring teams must incorporate FinCEN's 18 red flag indicators for payroll-fraud and identity-theft schemes involving unauthorized workers, apply enhanced due diligence to ITIN-based account and credit applications, and file SARs using the key term 'FINANCIALINTEGRITY-2026-A002'.