Ugh I feel like I should be ruling this thread, but basically you can either : 1) not bitch about banks allowing companies to launder money that then funds "terrorist" organization, illegal arms dealing, drugs, etc or 2) Run the risk of some individuals getting caught in the monitoring net because their activities appear suspicious, even though they may be innocent. You can't have it both ways people. Either banks are responsible for the actions of the people who hold accounts with them (like money laundering) or, yes, sometimes someone is going to look like they are money laundering and get caught in the net. I'm not saying this person should be prosecuted for appearances, but frankly, since they can prove they weren't structuring the deposits deliberately to avoid AML laws/regulations, they should be fine. Achieving both things is not, as I know it, possible.