How do you analyze all incoming and outgoing fund sources for a wallet?

Building a risk scoring system for wallets. For any given address I need to answer: where did all their funds originate from (going back 3-5 hops), and where did all their outgoing funds end up?

Direct transfers are easy to get. But tracing back multiple hops — especially when funds get split and recombined — gets exponentially complex. Anyone have experience with multi-hop fund tracing APIs?