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Judgment & ambiguity · When to escalate

A transaction-monitoring alert fires on a long-standing business customer: several sub-$10,000 cash deposits across branches in one week. The relationship manager insists it's just their cash-heavy retail cycle. When does this stop being your call?

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The pattern — multiple sub-threshold cash deposits routed across branches in a tight window — is textbook potential structuring, and the RM's comfort with the customer is exactly the bias I have to discount.

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

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