For me, the fact that a SAR was filed is but one factor that goes into determining the Risk Rating of a customer. If it's been 5+ years since a SAR was filed, I would give that an appropriate element rating in the scheme of things (for me it would be zero) and let the risk rating revert to what it would be without the SAR.
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I hear and I forget. I see and I remember. I do and I understand.--Confucius