Cash Transaction Service

• Enables direct physical deposits of currency at bank counters, ATMs, or other deposit points.
• Criminals exploit daily or transaction limits by depositing multiple times across branches, thereby dispersing significant amounts of illicit cash.

Teller windows, night safes, and cash-deposit machines allow the front to inject physical currency as “daily takings”; threshold reporting and structuring analytics around these services are critical to spot anomalous volumes.

• Accept bulk cash deposits from scams, recorded as direct customer payments for telemarketing services.
• Hide the actual source of large physical deposits, making it appear as ordinary revenue from fictitious call-center activities.

• Protection payments are often collected in cash, enabling frequent deposits or withdrawals without clear traceability. • Criminals may structure these deposits below reporting thresholds, rapidly exchanging or depositing cash to evade detection and mask the origin of funds.

• Facilitate frequent, undocumented withdrawals of physical cash, enabling off-the-books wage payments without leaving reliable payroll records.
• Allow structuring of cash transactions under reporting thresholds, reducing transparency over disbursements labeled as legitimate wages.

• Enables direct cash payouts to undocumented workers, bypassing traditional payroll and electronic payment records.
• The reliance on high-volume cash transactions obscures the ultimate source and destination of funds.

• Criminals deposit smaller amounts of cash below official thresholds at numerous branches or counters, circumventing detection triggers.
• Distributing deposits geographically obscures the connection among individual transactions, hampering investigators’ ability to flag a consolidated illicit source.

• Predominantly cash-based sex work generates significant ready cash, deposited incrementally at different locations to avoid triggering AML alerts.
• The reliance on cash facilitates anonymity for both payers and beneficiaries, weakening the audit trail.

• Smugglers frequently handle large volumes of currency, depositing or exchanging it in segments to avoid suspicion.
• Breaking down bulk cash into smaller transactions helps disguise origin, aligning with typical smuggling modus operandi.

• Offenders physically present counterfeit currency at bank counters or other authorized outlets for deposit.
• Fragmented deposits or smaller transactions can bypass immediate scrutiny and deposit thresholds.

• Facilitates over-the-counter or retail withdrawal of funds in smaller increments to avoid triggering suspicious thresholds.
• Converting digital balances into anonymous physical cash impedes investigators’ ability to track fund movement.

• Enables repeated deposits and withdrawals of physical currency at bank branches or ATMs, which criminals break into smaller amounts to remain under reporting thresholds.
• By distributing these structured transactions across multiple locations, criminals reduce the likelihood of triggering suspicion or detection.

• Mules deposit or withdraw physical cash, enabling criminals to convert illicit digital proceeds into hard currency.
• Repetitive small transactions bypass thresholds that typically trigger enhanced scrutiny.
• This direct handling of cash blends illicit funds with everyday cash flows, hindering traceability.

• Drug traffickers generate substantial amounts of physical currency through illicit sales and rely on frequent cash deposits or withdrawals to obscure the origin of their funds.
• By splitting deposits into smaller amounts below reporting thresholds or using multiple points of deposit, they can evade detection and commingle illicit proceeds with legitimate transactions.

• Enables direct cash deposits or withdrawals from proceeds of illegal commodity trade without transparent digital trace.
• Smaller, repeated deposits (structuring) avoid detection thresholds, concealing the total criminal earnings.

• Offenders conduct multiple small cash deposits or withdrawals at branches, remaining below typical reporting thresholds.
• The physical handling of smaller cash transactions reduces scrutiny, enabling proceeds from minor crimes to enter the financial system undetected.

• Individuals handling cash deposits or withdrawals only see their specific role and lack awareness of subsequent or preceding transactions.
• By dividing physical cash handling among different points of service, criminals maintain strict knowledge silos that obscure the total scale and flow of illicit funds.