Money laundering risks arise whentransaction patternsareinconsistent with a business’s expected activity.
Option D (Correct):Multiple cash deposits in different branchesis a knownstructuring (smurfing) technique, used toevade cash transaction reporting thresholds.
Option A (Incorrect):Depositing intoboth checking and savings accountsisnormal behavior.
Option B (Incorrect):Irregular incoming paymentsmay require further review but arenot inherently suspicious.
Option C (Incorrect):Industry-related expenses (e.g., conference tickets)arenormal business activity.
[Reference:FATF Red Flags for Structuring, Wolfsberg Group KYC Best Practices, FinCEN Advisory on Money Laundering Techniques., , , , ]
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