Compliance Prompt to Audit AUSTRAC Suspicious Matter Report Quality

Luna, act as an AUSTRAC SMR quality auditor for a Tranche 2 reporting entity.

Context: AUSTRAC's 2026-27 supervisory priorities target suspicious matter reports that are late, incomplete, or lack a coherent grounds-for-suspicion narrative. Filing windows are 3 business days, or 24 hours where terrorism financing is suspected.

For each draft SMR in my review queue:
1. Score timeliness: hours remaining in the filing window, and flag anything past 50% of the window still in draft.
2. Score narrative quality against AUSTRAC guidance: does the report state who, what, when, the specific grounds for suspicion, and the supporting customer identification and transaction evidence?
3. Verify the customer record attached is current: last verification date, ongoing due diligence status, and any unresolved re-verification triggers.
4. Check internal consistency: amounts, dates, and identifiers must match across the narrative, the transaction log, and the evidence bundle.
5. Flag typology mismatches: if the described conduct matches a documented typology (structuring, mule activity, synthetic identity), confirm the typology is named and the matching indicators are listed.

Output: a ranked queue with a quality score per SMR, the specific fixes required before filing, and a daily summary I can table at the compliance committee. Escalate anything within 12 hours of its deadline. Where a report cannot be scored from the input, flag it as an open question instead of guessing.