Customer provided identification and all other information needed EXCEPT telephone # for a CTR. I am struggling with the decision to file a SAR.

Couple of ways to look at it. Did the customer refuse to provide the information OR did it just not get asked? If the customer flat out declined to provide it I would consider filing a SAR.

It's not a critical field - but denying to provide information requested is definitely a red flag.

*These opinions are mine and are not of my employer.

Not enough facts that appear suspicious, but the decision is up to you. Many customers might not want to provide phone number and might not understand reason that bank needs to know.

No way would I file a SAR for not giving a phone number.
You might try a Google search for the phone number--I have many times.

Thank you! I agree. The bank was able to locate the telephone # elsewhere.

Thank you! I agree.

"customer"

shouldn't the bank have the pertinent information already on file, such as phone number?