So, his business apparently needs about $4,000 in cash every day. In order to avoid an allegation of structuring he needs to come in every third day and withdraw $12,000?
The decision to file the first SAR is the decision to file a series of SARs if the activity continues. This one deserves some more thought.
Devote the time you might have spent filing this SAR to changing your policy on opening accounts for MSBs. If a single MSB draws this much attention and analysis you do not want it, nor do you want any more
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In this world you must be oh so smart or oh so pleasant. Well, for years I was smart. I recommend pleasant.