When investigating an AML event, which techniques would be used to investigate suspected mule accounts? (Select Three.)

Determining whether multiple suspected accounts are accessed by the same person or telephone number helps establish that one individual is coordinating a network of mule accounts, a core indicator of organized money laundering.

Reconciling the stated purpose of an account against its actual transaction history reveals whether the account is being misused, which is a fundamental technique for identifying mule accounts used in layering schemes.

Submitting a suspicious activity report is a reporting obligation that occurs after an investigation is complete, not an investigative technique applied during the review of suspected mule accounts.

Reviewing payments to charity accounts is not a standard investigative technique specific to identifying mule account behavior, as mule accounts are typically characterized by rapid in-and-out fund movement rather than charitable payments.

Establishing the frequency with which funds are moved in and out of accounts identifies rapid fund cycling - a hallmark behavior of mule accounts used to obscure the origin of illicit proceeds.

Contacting law enforcement is an escalation or referral action taken after sufficient evidence is gathered, not an analytical technique used during the investigation itself.