What might indicate that a customer is engaging in structuring?

Frequent deposits just below the reporting threshold are a strong indicator of structuring, which is a method used to evade detection of suspicious financial activity, particularly in relation to money laundering. This behavior often reflects an attempt to avoid triggering reporting requirements that financial institutions are mandated to fulfill for large transactions.

When a customer routinely deposits amounts that are intentionally kept just under the threshold that would require additional scrutiny or reporting, it suggests an intent to obscure the true nature or source of the funds. This pattern of behavior indicates that they are consciously trying to avoid drawing attention to their transactions, which is a hallmark of structuring.

Other options such as a single large cash deposit or transfers to overseas accounts may raise flags but are not as directly associated with the act of structuring compared to the methodical avoidance of reporting limits exhibited by frequent smaller deposits. Withdrawals made at different branches might suggest other types of suspicious activity but do not necessarily indicate structuring specifically.