Wire fraud detection for banks: known-number callbacks, beneficiary checks, mule holds, and 24-hour IC3 recall. IC3 reported $20.877B in 2025 losses.

BSA officer responsibilities go beyond a board title: designation, independence, SAR authority, board reporting, staffing, and what examiners test.

What FinCEN 314(a) information sharing is: government-to-institution searches, 14-day match reporting, and how it differs from voluntary 314(b).

A Currency Transaction Report is FinCEN Form 112 for cash over $10,000 in one business day. Covers aggregation, exemptions, and how CTRs differ from SARs.

CIP is the BSA identity program at account opening under 31 CFR 1020.220.

How banks and credit unions detect altered, counterfeit, forged, and duplicate checks: typologies, detection layers, Reg CC holds, and SAR key terms.

What an AML lookback review is, what triggers one, how regulators scope it, what TD Bank-scale lookbacks cost, and how automation changes the economics.

Shell company red flags at onboarding and in transaction activity, how to investigate a suspected shell, and what detection tooling needs to do.