Anti-money laundering (AML) investigations are organized around accounts, while the suspicious evidence for an account may reside in only a few of its transactions. Yet many account-level detectors summarize transactions before learning, and message-passing models may aggregate once more over neighboring accounts. We name this discrepancy the aggregation mismatch and study it under an account-window benchmark label defined by the presence of at least one flagged transaction. We recast account-level AML detection as multiple instance learning, in which an account-window is a bag and its transactions are instances. We propose TRACK, which encodes every transaction with a shared encoder and selectively pools the encodings into an account decision. To emulate coarse supervision, we withhold the transaction labels of five AML datasets from TRACK throughout training. Under a time-ordered protocol, TRACK achieves the highest average precision among the tabular and graph baselines trained from account labels on every dataset. Despite using only account-window supervision, it remains competitive with edge classifiers trained directly from transaction labels. Its instance scores also rank flagged transactions well above chance and approach or exceed directly supervised ranking performance across datasets.

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