Why salary credits stay out of the deposit baseline

A useful baseline starts with the right credits

The deposit anomaly check has two independent questions. It can flag a credit at or above the fixed absolute threshold, and it can compare other credits with a statistical baseline when there is enough history.

Before that relative comparison, the checker removes amount-consistent recurring credit series. Salary is a common example: regular credits would otherwise dominate the account's typical-credit baseline and make a one-off deposit harder to distinguish.

What the rule does

The recurring-series detector identifies credit transactions that repeat with a supported cadence and similar amounts. The deposit checker excludes those series from its non-recurring credit sample, then calculates a median and a median absolute deviation from the remaining credits.

When at least fifteen non-recurring credits remain, a credit above that robust baseline can receive a relative anomaly flag. The absolute threshold is separate and can still flag a large credit even when the statistical sample is too small.

What a flag means

The result says that a deposit deserves a source-of-funds question. It does not identify the source, assess the applicant, or decide whether the deposit is acceptable. Review the original statement, the linked transaction, and the supporting evidence before recording an outcome.

If fewer than fifteen non-recurring credits remain, the relative rule is skipped. That is a coverage note, not a clean result and not a finding. The tool keeps the distinction visible so a small sample is not mistaken for evidence that no unusual deposit exists.

A practical review sequence

1. Check whether the recurring credit series is genuinely regular and amount-consistent.
2. Read the transaction description and source row for any flagged credit.
3. Ask for the supporting source-of-funds evidence required by your process.
4. Treat the automated result as a traceable prompt for human review.

Keeping recurring salary-like credits out of the baseline makes the comparison more useful. It does not remove the broker's responsibility to understand the account.