I don't know why I'm second guessing this - but here's the scenario. I already know it's a SAR - so let's just look at the CTR.
Noncustomer comes in with customer. Noncustomer has a check for $14,000. They deposit it into customer's account.
Customer writes check to noncustomer for $10,000 - non customer cashes check.
Customer writes herself a check for $4,000 - and cashes the check.
This is all done at the same time at the same teller window.
Do they both go on the CTR - or because technically neither one benefitted over $10K (based on the way they conducted the transactions - though I feel otherwise, hence the SAR) - no CTR is required?
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My opinions are my own, and not that of my employer.