A CTR conductor does one transaction (>$10,000) for someone else and then conducts a personal transaction for themself. How do you file the CTR? With the total amount of both transactions? The conductor didn't benefit from the first transaction. I'm so confused!!

You have to aggregate and report cash transactions conducted on behalf of one person or conducted by one individual.

So, you combine the cash amounts into a single CTR. You'll describe one party as a person on whose behalf a transaction was conducted and the other party as a person who conducted a transaction on his own behalf. Include both account numbers.

On a "legacy" CTR (Form 104), you'd have a Section A entry for the conducting party, with "conducted on own behalf" checked in Section B, and a second Section A entry (back of form) with the other party's information (this is the party you described as "someone else").

Thanks so much, John!