such a great question and discussion!
I do get reports daily for cash transactions over $3,000.00. We utilize integrated teller so the CTR pops altering the teller they have to "do something"; but not ask. we have branches and are >$500M however with that being said i truly believe it comes down to training. i would like to think the front line understands the KYC concept but getting anyone to probe or pry or ask in any way seems like asking too much. the younger front line workers i find aren't as comfortable asking (social conversational skills) so that makes the challenge even harder.
i agree that writing up some scripts, role playing, getting them to feel comfortable even saying "so i hope you are going to do something fun!" to the person who took out $9,000.00 is probably the best way. the saying lead by example is long gone as some don't seem to pick up cues in how to chat with customers.
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