A customer has obviously structured her cash deposits - and actually told tellers on two different occasions that she was purposefully depositing less than $10,000 in cash to avoid reporting requirements because the federal government frowns on $10K. While monitoring her activity, I found where she made a deposit that consisted of cash and also a money order that was greater than $10,000.

On the SAR instructions, it says to describe any monetary instruments that are involved. Would this money order be considered part of her structuring since it was deposited and was greater than $10K?

Yes.

I agree with BrendaC. It's likely that she purchased the money order with cash and used it to deposit over $10,000 in funds while avoiding the report. Therefore, it would be suspicious and require SAR reporting.