What I don't understand looking at the article is how > “signals” of potential fraud turned into 100k EUR fines. Shouldn't the "signal" only flag suspect tran

What I don't understand looking at the article is how > “signals” of potential fraud turned into 100k EUR fines. Shouldn't the "signal" only flag suspect transfers and start in-person investigation? Or did they just slap the fines without any human due-process? I guess this is only possible because it's an administrative fine, and not a criminal case, right?