Account monitoring and fraud detection systems should flag transactions for further review.  These systems could consider customer transaction history and transaction behavior, including pattern recognition that compares transactions to historical files, unusual amounts, unusual destinations (especially foreign recipients if the customer does not engage in international business), and changes in routing and account numbers of usual recipients (even when the recipient name is not changed).  Changes to established cumulative daily limits or transactions in excess of established limits should also be identified by fraud systems as potentially fraudulent activity.