Transaction Flow Analysis

Transaction flow analysis is a critical first step in building a robust case file for victims of financial fraud. When funds are transferred to fraudulent platforms, the money typically passes through a chain of intermediary banks, payment service providers, and shell entities designed to obscure the final destination. EFPG conducts a detailed forensic-level review of each transaction chain to identify every entity involved in the movement of funds, creating a comprehensive evidential basis that supports formal complaints, fund tracing requests, and regulatory submissions across European jurisdictions.

What This Involves

• Comprehensive mapping of the complete transaction chain from the originating bank account to all identifiable intermediary and receiving entities.
• Identification of correspondent banks, payment processors, and e-money institutions involved in the transfer pathway.
• Analysis of SWIFT message data, SEPA transaction references, and card network transaction identifiers to establish the precise route of fund transfers.
• Cross-referencing of identified entities against regulatory databases, including ESMA warning lists, national supervisory authority registers, and sanctions databases.
• Preparation of structured transaction reports suitable for submission to financial institutions, regulatory authorities, and law enforcement agencies.

Who Is This For

• Individuals who have transferred funds via bank wire (SEPA or SWIFT) to entities they now suspect to be fraudulent.
• Victims who have made multiple deposits to a platform and need to trace the full extent of fund movements.
• Individuals whose funds have passed through multiple jurisdictions and require a clear, documented chain of transfers.
• Clients who need structured evidence packages to support chargeback applications or bank recall requests.

Regulatory Context

Transaction flow analysis aligns with the evidentiary requirements set out in the Payment Services Directive 2 (PSD2), which obliges payment service providers to cooperate with authorised recall and investigation requests. The analysis outputs are structured to meet the documentation standards required by National Competent Authorities (NCAs) under MiFID II supervisory procedures, as well as the Anti-Money Laundering Directive (AMLD) framework that governs the obligations of financial institutions when handling suspicious transaction reports.

Our Process