Following on from the previous example, if you were an employee of the brokerage or the virtual bank, what warning signals could alert us to the possibility that our customer's money is dirty? These are just some of the potential warning signals, and broadly there are two types. The first are things that don't make sense or don't add up, such as funding is not commensurate with the customer's age or experience. If the customer is 20 years old but has apparently made hundreds of millions from property deals in the Philippines, we should be asking where his starting capital came from. The customer's explanations for source of wealth do not make sense and no supporting documents are available, or the brokerage account has ample liquidity, but the customer sells both winners and losers shortly after buying them. The second are internal checks, such as the customer is unphased by stock losses. Media checks identify negative news on the customer. The bank account is being used to pay and receive money on behalf of a third party we have refused to bank.