Also, from the exam manual:
SAR Filing on Continuing Activity
......Ultimately, the decision to maintain or close an account should be made by a bank in accordance with its own standards and guidelines.
The bank should develop policies, procedures, and processes indicating when to escalate issues or problems identified as the result of repeat SAR filings on accounts. The procedures should include:
•Review by senior management and legal staff (e.g., BSA compliance officer or SAR committee).
•Criteria for when analysis of the overall customer relationship is necessary.
•Criteria for whether and, if so, when to close the account.
•Criteria for when to notify law enforcement, if appropriate.
My opinions are my own, and not that of my employer.