The pattern that only exists across accounts and weeks STRUCTURING
Nothing on any single line is unusual. It is the fourteenth nine thousand, across four accounts, over eleven weeks, that is the finding.
The statement
What counts as the threshold
The shape of it
Windows that clear the threshold
Either side of the threshold
Money that did not stay
The working
Every one of these shapes has an innocent explanation, and none of them is a finding on its own.
How it works
STRUCTURING finds a pattern that only appears across accounts and weeks: payments kept just under a reporting threshold, repeated across several accounts over time. It measures how tightly amounts cluster below the threshold and how money passes through. It points to patterns for a person to review; it does not make findings. The data stays in this tab.
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