MSBsarehigh-risk for financial crime, requiringstrict AML controls.

Option D (Correct):Hesitancy to provide beneficiary informationis astrong indicator of illicit financial activity.

Option E (Correct):Using multiple accounts under different namesis aknown money laundering technique.

Option A (Incorrect):Currency exchange is common in MSBs, thoughadditional factors must be assessed.

Option B (Incorrect):Large cash deposits are normal for cash-based businesses, butneed further scrutiny.

Option C (Incorrect):Frequent small remittancesare normal, unless linked tostructuring or smurfing.