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Work through each step. Tips appear along the way. Synthetic training case; all names and details are fictional.
78 / 100
Solid, with gaps.
Decision
✓ Best call: File a SAR
Top fixes
Evidence: 3 found · 1 partly · 1 missed (of 5)
✓ What went well: Made the right call and supported it with the deposit pattern and the branch notes.
9 cash deposits totaling $75,650 across 2 accounts at 6 locations between 2026-09-14 and 2026-09-24. Each individual deposit was under $10,000.
22 transactions shown · In $92,000.00 · Out $76,147.25 · Between own accounts in $23,600.00, out $23,600.00 · Tick rows to add them up. ·
| ID | Account | Type | Channel / location | Memo | ||||
|---|---|---|---|---|---|---|---|---|
| T001 | Jul 6, 2026 | 4417203398 | Cash deposit | $3,860.00 | — | Far Hills Branch, Dayton OH | BRANCH CASH DEPOSIT | |
| T002 | Jul 15, 2026 | 4417203398 | Transfer out | −$2,150.00 | Wilmington Pike Properties LLC | ACH | WAREHOUSE RENT JUL | |
| T003 | Aug 4, 2026 | 4417203398 | Cash deposit | $4,120.00 | — | Far Hills Branch, Dayton OH | BRANCH CASH DEPOSIT | |
| T004 | Aug 12, 2026 | 4417203398 | Card purchase | −$1,284.37 | Pinball Parts Direct | Card - Online | POS PARTS ORDER #55821 | |
| T005 | Aug 15, 2026 | 4417203398 | Transfer out | −$2,150.00 | Wilmington Pike Properties LLC | ACH | WAREHOUSE RENT AUG | |
| T006 | Sep 2, 2026 | 4417203398 | Cash deposit | $3,940.00 | — | Far Hills Branch, Dayton OH | BRANCH CASH DEPOSIT | |
| T007 | Sep 14, 2026 | 4417203398 | Cash deposit | $9,400.00 | — | Far Hills Branch, Dayton OH | BRANCH CASH DEPOSIT | |
| T008 | Sep 15, 2026 | 4417203398 | Cash deposit | $9,700.00 | — | Wilmington Pike Branch, Kettering OH | BRANCH CASH DEPOSIT | |
| T009 | Sep 15, 2026 | 4417203398 | Transfer out | −$2,150.00 | Wilmington Pike Properties LLC | ACH | WAREHOUSE RENT SEP | |
| T010 | Sep 16, 2026 | 4417203401 | Cash deposit | $9,200.00 | — | Centerville Branch, Centerville OH | BRANCH CASH DEPOSIT | |
| T011 | Sep 17, 2026 | 4417203398 | Cash deposit | $9,850.00 | — | Beavercreek Branch, Beavercreek OH | BRANCH CASH DEPOSIT | |
| T012 | Sep 21, 2026 | 4417203398 | Cash deposit | $8,900.00 | — | Far Hills Branch, Dayton OH | BRANCH CASH DEPOSIT | |
| T013 | Sep 22, 2026 | 4417203401 | Cash deposit | $9,600.00 | — | Huber Heights Branch, Huber Heights OH | BRANCH CASH DEPOSIT | |
| T014 | Sep 23, 2026 | 4417203398 | Cash deposit | $9,300.00 | — | Wilmington Pike Branch, Kettering OH | BRANCH CASH DEPOSIT | |
| T015 | Sep 24, 2026 | 4417203401 | Cash deposit | $4,800.00 | — | Centerville Branch, Centerville OH | BRANCH CASH DEPOSIT | |
| T016 | Sep 24, 2026 | 4417203398 | Cash deposit | $4,900.00 | — | ATM #0682, Miamisburg OH | ATM CASH DEPOSIT | |
| T017 | Sep 25, 2026 | 4417203401 | Internal transfer | −$23,600.00 | Kettering Flipper Works LLC x3398 | Online Banking | TRANSFER TO CHECKING x3398 | |
| T018 | Sep 25, 2026 | 4417203398 | Internal transfer | $23,600.00 | Kettering Flipper Works LLC x3401 | Online Banking | TRANSFER FROM SAVINGS x3401 | |
| T019 | Sep 28, 2026 | 4417203398 | Wire out | −$68,000.00 | Lakeshore Amusement Brokers Inc, Chicago IL | Domestic Wire | INV 2026-118 PINBALL MACHINES | |
| T020 | Sep 30, 2026 | 4417203398 | Card purchase | −$412.88 | Speedway Fuel | Card - Kettering OH | POS FUEL | |
| T021 | Oct 1, 2026 | 4417203398 | P2P in | $650.00 | Gregory Tull | Zelle | Machine repair Tulls Tavern | |
| T022 | Oct 5, 2026 | 4417203398 | Cash deposit | $3,780.00 | — | Far Hills Branch, Dayton OH | BRANCH CASH DEPOSIT |
Mr. Varnum (owner) deposited $9,700 in mixed $20s and $100s. Before handing over the cash he asked what amount 'triggers the government form.' I told him cash over $10,000 in a day requires a report. He said he would 'keep each one under so the IRS doesn't get excited' and mentioned he had more cash to bring in this week. I explained that breaking up deposits to avoid the report is not allowed. He did not respond and left.
Called owner regarding recent deposit activity. He said the cash came from selling 14 restored pinball machines at a collectors' show in Columbus on 2026-09-12 and 2026-09-13, and buyers paid cash. He said he used the money to buy a lot of 11 machines from a broker in Chicago. Asked why the cash went to several branches; he said it was 'easier not to carry it all at once.' He did not provide sales receipts and said he 'doesn't keep paperwork on cash sales.'
No prior alerts on either account. No CTRs have ever been filed for this customer. Over the prior 12 months, cash deposits averaged about $3,970 per month, typically one deposit per month at the Far Hills branch into checking. No cash had previously been deposited into the savings account.