Abstract: Various examples described herein are directed to systems, methods, and computer-readable medium for routing distribution requests. A request for distribution of funds is received. The funds are in an account of a user. An activity window is determined. Data from within the activity window is collected. A risk score is calculated based on the data. The request is routed to a further verification queue based on the risk score. Additional information needed to verify the request is determined. The additional information is requested and received. The additional information is verified. Approval of the request is determined based on the verification of the additional information.

Abstract: A monitoring device for monitoring a risk of drowning for users of one or more alarm devices is provided. The alarm devices include one or more detectors configured to detect status data. A controller circuit is configured to receive status data from the alarm device, to detect a triggering event, and, in response to the triggering event, to select one of a plurality of alarm protocols based on the status data. A user interface unit is configured to convey the selected alarm protocol to the user.