We too have set the threshold at 3k for cash in or out of consumer accounts, or for a business account that usually does not deal in cash, and as a result have improved the quality of our notes and results to alerts flagged in our AML software.
Granted, it does take a lot of time, training and practice to get staff comfortable with seeking the information, and even training customers to become forthright as well. And still, customers will decline to give answers, and that is fine and that is what is notated. We find more often than not, customers like to talk, so I feel we have a pretty high success rate at obtaining info from them.
Fortunately for me, our executive management team has always been supportive of our program so the message from the top has been incredibly helpful in making that successful.
_________________________
I don't repeat gossip, so listen closely...