Business Banking Services

Current-account packages, merchant settlement, remote-deposit capture, and online banking give fronts the day-to-day channels to lodge cash, receive card sales, and initiate wires—services that make illicit inflows appear as ordinary working-capital movements.

• Insiders can expedite or improperly approve account opening for shell or high-risk businesses, ignoring beneficial ownership red flags.
• They may downgrade risk classifications and circumvent transaction monitoring policies within business accounts, masking suspicious flows.

• Criminal enterprises establish or co-opt legitimate-seeming business accounts to process proceeds derived from narcotics distribution.
• Through regular deposits, wire transfers, and check issuance, these accounts help integrate illegitimate earnings into legitimate company balances, making it harder for authorities to trace the illegal origin.

• Wildlife traffickers establish business accounts to commingle illicit proceeds with legitimate income, making activity appear routine.
• High transaction volumes and normal business operations mask the influx of illegal funds from wildlife sales.