And you titled this "Need a quick answer on SAR" for what reason? To get our attention?
The check has no value. I recommend against returning it. If you decide to sic the police on her, you'll need the check as evidence.
And, for whatever it's worth, you said "large check." If it's for $5,000 or more, file the SAR.
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John S. Burnett
BankersOnline.com
Fighting for Compliance since 1976
Bankers' Threads User #8