Trying to figure out what this activity may be and if SAR worthy. Customer opened account 2 months ago with $120 cash. The next day he received a wire for $1000 and 2 days later $1500 domestic - from same person. Since then only deposits are incoming wires for a total of $22,750 International and these are from the same person. The day of wire, he has come into 2 different branches and withdrawn most of the money in cash. When the CSR at the branch tried to ask him about the wires - i.e., are you planning on having a lot of incoming wires and if so we can monitor for you and let you know as soon as they are received, he shutdown and does not answer. Further investigation shows that he has a criminal past which may or may not have any bearing on these wires but because of his 'past' this may be tied into some sort of pornography or some kind of sex trafficking. The overall feel for him and his account is 'off'. Want to get input on what my next move would be. Thank you.

I would file the SAR and close the account or better yet, switch those around.

I concur. The customer has already demonstrated that he won't help you understand what you're participating in. No good can come from keeping the account.

Thanks! Letter is going out today to close his account!

Also - after filing the SAR, be sure to notify Department of Homeland Security or FBI:

http://www.state.gov/j/tip/id/domestic/

It sure sounds like human trafficking to me.