This SAR is being filed to report suspected structuring activity conducted by [Name] [DOB] at [Institution Name]. Between [Date] and [Date], [Name] conducted a series of cash deposits and/or withdrawals into their [checking/savings] account [Account Number] at [Institution Name].

The deposits were conducted at [Branch Locations] and ranged between $[ ] and $[ ], totaling $[ ] during the reporting period. Each deposit was below the $10,000 Currency Transaction Report (CTR) threshold.

Transaction Pattern:

• [Date] – $[ ] cash withdrawal or deposit – [Branch/Method]

• [Date] – $[ ] cash withdrawal or deposit – [Branch/Method]

• [Date] – $[ ] cash withdrawal or deposit – [Branch/Method]

• …

During a deposit on [Date], [teller/staff] asked about the source of funds. [Name] responded: “[Customer statement if any].”

The account was opened on [Date]. Prior to this period, typical cash activity averaged $[ ] monthly. The sudden increase in multiple high-dollar cash withdrawals and/or deposits beginning on [Date] is inconsistent with the member’s established account activity. Occupation on file is [Occupation], and no business account is associated with the subject.

SAR Template Structuring