> ## Documentation Index
> Fetch the complete documentation index at: https://docs.clearaml.com.au/llms.txt
> Use this file to discover all available pages before exploring further.

# Monitor client transactions for suspicious activity

> Log and auto-flag financial transactions in ClearAML. Investigate suspicious activity and escalate flagged transactions directly to AUSTRAC reports.

Transaction monitoring lets you record financial transactions across your client base and detect patterns that may indicate money laundering or other suspicious activity. ClearAML automatically flags transactions that exceed your configured thresholds and surfaces them for review. Flagged transactions can be escalated directly to an AUSTRAC report from within the dashboard.

## The transaction monitoring dashboard

Navigate to **Dashboard → Transaction Monitoring** to access the transaction log.

The dashboard opens with four summary cards:

<CardGroup cols={4}>
  <Card title="Total volume" icon="trending-up">
    The total AUD value of all transactions currently loaded, with a count of transactions.
  </Card>

  <Card title="Flagged exceptions" icon="triangle-exclamation">
    Transactions auto-flagged or manually flagged for review. These require immediate attention.
  </Card>

  <Card title="Pending reviews" icon="clock">
    Transactions logged but not yet classified as cleared, flagged, or investigated.
  </Card>

  <Card title="Auto-flagging" icon="shield-check">
    Shows the current monitoring thresholds. Active when your monitoring rules are configured.
  </Card>
</CardGroup>

## Transaction statuses

Each transaction moves through a lifecycle of statuses:

| Status           | Meaning                                                          |
| ---------------- | ---------------------------------------------------------------- |
| **Pending**      | Newly logged. Awaiting classification.                           |
| **Flagged**      | Auto-flagged by a threshold rule or manually flagged for review. |
| **Investigated** | Under active investigation or an AUSTRAC draft has been created. |
| **Cleared**      | Reviewed and confirmed as legitimate.                            |

## Logging a transaction manually

<Steps>
  <Step title="Open the log dialog">
    Click **Log Transaction** in the top-right corner of the Transaction Monitoring page.
  </Step>

  <Step title="Enter transaction details">
    Fill in:

    * **Client** — link the transaction to an existing client in your register.
    * **Date** — the date the transaction occurred.
    * **Amount** — the transaction value in AUD.
    * **Type** — the transaction type (e.g. deposit, withdrawal, transfer).
    * **Cash flag** — mark the transaction as cash if applicable.
    * **Description** — a brief description of the transaction.
  </Step>

  <Step title="Save">
    Click **Save**. The transaction is added to your log with a Pending status. If the amount exceeds your configured auto-flagging thresholds, it will be flagged automatically.
  </Step>
</Steps>

## Auto-flagging thresholds

ClearAML automatically flags transactions based on two configurable thresholds:

* **Cash monitoring threshold** — cash transactions at or above this amount are flagged automatically. The default is \$10,000 (aligning with the TTR threshold under the AML/CTF Act).
* **High-value threshold** — any transaction (cash or non-cash) at or above this amount is flagged. The default is \$50,000.

Amounts displayed in the **Amount** column turn orange when they meet either threshold.

To adjust your thresholds, click the **Settings** icon (cog) in the top-right of the Transaction Monitoring page and update your Threshold Settings.

<Note>
  The \$10,000 cash threshold aligns with the Threshold Transaction Report (TTR) requirement under the *Anti-Money Laundering and Counter-Terrorism Financing Act 2006*. Transactions at or above this amount in cash must be reported to AUSTRAC. See [AUSTRAC Reporting](/features/austrac-reporting) for details.
</Note>

## Searching and filtering transactions

Use the search bar to filter by description or client name. Use the status dropdown to show only Pending, Flagged, Cleared, or Investigated transactions. Flagged transactions always appear at the top of the table regardless of date.

## Taking action on a transaction

Click the three-dot menu on any transaction row to access the following actions:

<Tabs>
  <Tab title="View details">
    Opens a dialog with the full transaction record including all metadata, flag reasons, and audit history.
  </Tab>

  <Tab title="Mark as cleared">
    Marks the transaction as legitimate. You must provide a written rationale of at least 20 characters. This is recorded in the audit trail.
  </Tab>

  <Tab title="Mark as investigated">
    Indicates the transaction is under active investigation. Requires a rationale.
  </Tab>

  <Tab title="Flag for review">
    Manually flags the transaction if it was not caught by auto-flagging. Requires a rationale.
  </Tab>

  <Tab title="Report to AUSTRAC">
    Creates a draft AUSTRAC report for this transaction — SMR for suspicious transactions, TTR for cash transactions at or above \$10,000. Requires a rationale and moves the transaction to Investigated. Only available to Admin, Owner, and Officer roles. See [AUSTRAC Reporting](/features/austrac-reporting) for details.
  </Tab>

  <Tab title="Dismiss with rationale">
    Dismisses the transaction as non-reportable. A formal dismissal reason (minimum 20 characters) is required and is stored in the audit trail. The transaction is marked Cleared.
  </Tab>
</Tabs>

<Warning>
  All status changes — including dismissals and clearances — require a written rationale. This is a deliberate compliance safeguard. The rationale is stored permanently in your audit trail and may be requested during an AUSTRAC examination.
</Warning>

## Connecting transactions to AUSTRAC reporting

When you select **Report to AUSTRAC**, ClearAML automatically determines the report type:

* **TTR** — if the transaction is marked as cash and the amount is \$10,000 or more.
* **SMR** — for all other suspicious transactions.

A draft report is created in the **AUSTRAC Reporting Hub** with the client name, amount, date, description, and any flag reasons pre-populated. You complete and lodge the report from there. See [AUSTRAC Reporting](/features/austrac-reporting) for the full lodgement workflow.

## Per-client transaction view

You can also view and log transactions for a specific client from the **Transactions** tab on their profile page. This tab shows only transactions linked to that client and displays a count of any flagged transactions in the tab label.