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arXiv · 2509.11595

AMLNet: A Knowledge-Based Multi-Agent Framework to Generate and Detect Realistic Money Laundering Transactions

Sabin Huda·Ernest Foo·Zahra Jadidi·MA Hakim Newton·Abdul Sattar
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Abstract

Anti-money laundering (AML) research is constrained by the lack of publicly shareable, regulation-aligned transaction datasets. We present AMLNet, a knowledge-based multi-agent framework with two coordinated units: a regulation-aware transaction generator and an ensemble detection pipeline. The generator produces 1,090,173 synthetic transactions (approximately 0.16\% laundering-positive) spanning core laundering phases (placement, layering, integration) and advanced typologies (e.g., structuring, adaptive threshold behavior). Regulatory alignment reaches 75\% based on AUSTRAC rule coverage (Section 4.2), while a composite technical fidelity score of 0.75 summarizes temporal, structural, and behavioral realism components (Section 4.4). The detection ensemble achieves F1 0.90 (precision 0.84, recall 0.97) on the internal test partitions of AMLNet and adapts to the external SynthAML dataset, indicating architectural generalizability across different synthetic generation paradigms. We provide multi-dimensional evaluation (regulatory, temporal, network, behavioral) and release the dataset (Version 1.0, https://doi.org/10.5281/zenodo.16736515), to advance reproducible and regulation-conscious AML experimentation.

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Sabin Huda, Ernest Foo, Zahra Jadidi, MA Hakim Newton, Abdul Sattar. 2025-09-15. AMLNet: A Knowledge-Based Multi-Agent Framework to Generate and Detect Realistic Money Laundering Transactions. https://arxiv.org/abs/2509.11595

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