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Judgment & ambiguity · When to escalate

A teller flags that a customer came in visibly distressed, on the phone the whole time, asking to wire a large sum overseas to a person they only recently met online. The transaction is legal and the funds are theirs. When does this move beyond a routine wire?

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This has the fingerprints of a scam — urgency, an online-only relationship, a coached customer on the phone the whole time — so it stops being a routine wire the moment those marke

The full answer: structure, worked example, likely follow-up.

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