You might also consider a change in business operations or management that the bank becomes aware of, changes in principal signers on an account (not the payroll clerk, but perhaps the CFO, DEO or COO), or a significant change of address (more than adding a PO Box), or symptoms of possible misuse of a shell company as potential triggers.
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John S. Burnett
BankersOnline.com
Fighting for Compliance since 1976
Bankers' Threads User #8