AML & Compliance
What is structuring?
The illegal practice of breaking up large financial transactions into multiple smaller ones to avoid triggering regulatory reporting thresholds—specifically the $10,000 CTR filing requirement in the United States. Also known as “smurfing,” structuring is a federal crime regardless of whether the underlying funds are legitimate, and it is a key typology monitored by AML programs.
How it works
Example: An individual makes cash deposits of $9,500 at four different bank branches within three days. The bank’s AML system aggregates the transactions, identifies the structuring pattern, and generates a SAR.
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AI Risk Decisioning™ and Oscilar™ are trademarks of Oscilar, Inc.
See Oscilar in action.
©2026 Oscilar, Inc. All rights reserved.
AI Risk Decisioning™ and Oscilar™ are trademarks of Oscilar, Inc.
See Oscilar in action.
©2026 Oscilar, Inc. All rights reserved.
AI Risk Decisioning™ and Oscilar™ are trademarks of Oscilar, Inc.
See Oscilar in action.
©2026 Oscilar, Inc. All rights reserved.
AI Risk Decisioning™ and Oscilar™ are trademarks of Oscilar, Inc.
See Oscilar in action.
©2026 Oscilar, Inc. All rights reserved.
AI Risk Decisioning™ and Oscilar™ are trademarks of Oscilar, Inc.