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playbooks/bsa-aml/structuring-pattern-reference

Structuring Pattern Reference

A reference card of common structuring patterns with the FinCEN typology vocabulary, calibrated to the kinds of transactions community banks actually see.

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structuring-pattern-reference.mdReference · 4 min

Contents

  1. 01What this reference covers

For: BSA / AML analysts and front-line tellers

PlaybooksBSA / AMLReference

01

What this reference covers

This template is structured. The working copy is being finalized by our subject-matter editors — directionally accurate today, refined shortly.

  • The most common structuring patterns by transaction shape (cash deposits, wire layering, third-party transfers).
  • The FinCEN typology vocabulary you should use in narratives so examiners recognize the pattern.
  • A short list of red-flag combinations that warrant escalation even when no single transaction crosses a threshold.

BSA / AML Playbook

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The AiBI-Foundation course walks through the same prompts, with reviewed work you can take to your team.

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Structuring Pattern Reference — BSA / AML Playbook — The AI Banking Institute