AML Transaction-Monitoring Tuner & False-Positive-Reduction Memo

Produce a BSA-officer-grade transaction-monitoring tuning memo for a bank, broker-dealer, money-services business, or fintech / crypto VASP. Output is a structured calibration deliverable — Coverage Map (typology → rule / model coverage), Threshold Calibration (per rule with above-the-line / below-the-line testing and false-positive / true-positive yield), Segmentation Refresh (customer-risk and behavior segments), Scenario / Typology Refresh (with regulatory-advisory and enforcement-action source mapping), Model-Validation and Tuning Backtest, Governance Memo (BSA officer / model-risk / audit / regulator), and Implementation Plan with rollout, parallel-run, and reversion criteria — designed to be reviewed by the BSA officer, model-risk management, internal audit, and the regulator. Differs from the Sanctions / AML Alert Reviewer (which dispositions individual alerts and drafts SAR / OFAC reports): this skill calibrates the monitoring system itself.