T117 · Cat-12 · AML/KYC & Financial Crime · Transaction Monitoring

Structuring & Smurfing Pattern Detector

Detect structuring and smurfing patterns in synthetic transaction sequences. Input a transaction ledger (paste CSV format). Detects: single-day aggregation below threshold, multi-day smurfing across accounts, split-deposit patterns, round-tripping. Flags FinCEN structuring indicators (31 USC 5324). Outputs flagged transaction table, pattern narrative, SAR consideration memo. Client-side. Zero PII.

FinCENStructuringTypologyExport v1.0
FinCEN structuring indicators 31 USC 5324EU €10,000 cash reporting thresholdFATF ML Typology: Structuring/SmurfingBSA CTR requirement 31 CFR 1010.311
Scope & reliance — 🔒 All inputs are processed locally in your browser. No data is transmitted. Do not enter real personal data — use synthetic or anonymised inputs only. Embedded rates, thresholds, and regulatory citations are static reference values that may age — verify against current primary sources and your own data before relying on any output for commercial, legal, or compliance decisions. Deterministic logic · no inference · zero PII · CC BY 4.0.
Inputs
About this tool

Detect structuring and smurfing patterns in synthetic transaction sequences. Input a transaction ledger (paste CSV format). Detects: single-day aggregation below threshold, multi-day smurfing across accounts, split-deposit patterns, round-tripping. Flags FinCEN structuring indicators (31 USC 5324). Outputs flagged transaction table, pattern narrative, SAR consideration memo. Client-side. Zero PII.

Regulatory Coverage
FinCEN structuring indicators 31 USC 5324
EU €10,000 cash reporting threshold
FATF ML Typology: Structuring/Smurfing
BSA CTR requirement 31 CFR 1010.311
Analysis Results
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