The paper presents anti-money laundering (AML) cross-organizational multi-level monitoring, a new solution to over-reporting due to financial institutions “defensive submitted”. Then it verifies the validity of using AML cross-organizational multi-level monitoring on the abnormal accounts focus, for it has lower Two Types of Errors, especially applying clustering analyzing to account layer monitoring. This is an effective method for separate operation and cross-organizational supervision. At the same time, it is meaningful for the extraction and application of AML reports in China and abroad.