Agreed. And while some believe that disclosing this is contributing to structuring if the transaction is changed, I disagree. As noted, you could have a SAR as a result. Some banks have a pamphlet that they provide to answer CTR questions. This provides consistent responses.
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AndyZ CRCM
My opinions are not necessarily my employers.
R+R-R=R+R
Rules and Regs minus Relationships equals Resentment and Rebellion. John Maxwell