Adaptive Workflow Allocation in Human–Machine Cooperative Anti-Money Laundering Operations
This study develops an adaptive workflow allocation mechanism for anti-money laundering (AML) operations, aiming to improve the accuracy and efficiency of suspicious-transaction review. A multi-agent simulation platform was constructed to model transaction flows, alert generation, and analyst decision behaviors. The system integrates model-confidence estimation, analyst-fatigue prediction, and real-time workload signals to dynamically route alerts. Experiments were conducted using 27.3 million historical transactions and 186,000 alerts from a large commercial financial dataset. Compared with fixed allocation rules, the adaptive […]