Keep in mind a general rule - a person should only be identified on a CTR one time, therefore, if they are the beneficiary, then there is no need to list them again as the transactor. "If other than above" is your key to not having to list Mary a second time. Also consider that Mary was with John, but John did the transaction.
Fincen would be more concerned that Frank, James, Juan and Lefty were making deposits to the account in a structuring manner.
CAMS, AMLP, AKC, K-9