Medium RiskPattern ID: TYP-SMUR
Smurfing & Structuring
Structuring is the act of parceling what would otherwise be a large financial transaction into a series of smaller transactions to avoid detection by regulators.
Operational Indicators
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Unexplained high-frequency transactions inconsistent with customer profile.
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Structuring of cash deposits just below regulatory reporting thresholds.
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Rapid movement of funds across multiple accounts in different jurisdictions.
Phase Info
Phase
Placement
Target
Retail & SME
info
Educational Use Disclaimer
This pattern is for educational purposes. Money laundering methods change quickly. Always verify against your local regulatory requirements (FATF, FinCEN, EU Directives).