Of the 23 million alleged breaches of the anti-money laundering law committed by Westpac Banking Corp, it's a smaller set – a little over 3000 transactions – that could prove to be the undoing of chief executive Brian Hartzer.

The final eight pages of AUSTRAC’s 47 page statement of claim are dedicated to 12 Westpac customers, who transferred a total of $497,612 in small amounts to the Philippines, and other south-east Asian countries.