From banking
Activate for: SAR, STR, suspicious activity report, suspicious transaction report, NCA, FinCEN, AUSTRAC, SAR narrative, SAR drafting, SAR format, MLRO, money laundering reporting officer, tipping-off, consent SAR, defence SAR. NOT for: transaction monitoring alert triage (use aml-typologies), customer due diligence or KYC onboarding (use aml-cdd-edd), sanctions screening (use sanctions-screening).
npx claudepluginhub panaversity/agentfactory-business-plugins --plugin bankingThis skill uses the workspace's default tool permissions.
A Suspicious Activity Report (SAR) or Suspicious Transaction Report (STR) is a
Guides BSA/AML compliance program design and operation for broker-dealers, banks, and investment advisers. Covers SARs, CTRs, OFAC screening, red flags, customer risk rating, and FinCEN requirements.
Analyzes transaction data for AML compliance, detecting patterns like structuring, layering, velocity anomalies, and prepares Suspicious Activity Reports (SARs) with HITL review.
Activate for: AML alert, transaction monitoring, suspicious activity, money laundering, structuring, smurfing, round-tripping, layering, placement, integration, typology, red flag, velocity alert, geographic anomaly, TBML, trade-based money laundering, network analysis, PEP alert. NOT for: SAR/STR drafting or filing (use aml-sar-drafting), customer onboarding or KYC documentation (use aml-cdd-edd), sanctions list screening (use sanctions-screening).
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A Suspicious Activity Report (SAR) or Suspicious Transaction Report (STR) is a legally required filing made by a bank when it has the requisite suspicion of money laundering, terrorist financing, or related predicate offences.
| Jurisdiction | Standard | FIU | Filing System |
|---|---|---|---|
| UK | Reasonable grounds to suspect | National Crime Agency (NCA) | SARs Online |
| USA | Reason to suspect + USD 5,000 + legal violation | FinCEN | BSA E-Filing (FinCEN 111) |
| Australia | Suspicion on reasonable grounds | AUSTRAC | AUSTRAC Online (SMR) |
| EU | Suspicion | National FIU (per 6AMLD) | National system |
| UAE | Reasonable grounds to suspect | UAE FIU | goAML |
| Pakistan | Suspicion | Financial Monitoring Unit (FMU) | goAML |
This is the most critical section. Must contain: a) Description of the suspicious activity (who, what, when, amounts, frequency) b) The specific typology or typologies identified c) What is known about the customer's legitimate business d) Why the activity is inconsistent with the legitimate business e) What innocent explanation was considered and why it was found inadequate f) Any steps taken to obtain further information
Timeline of suspicious transactions:
A "consent SAR" (Defence Against Money Laundering — DAML) is filed when the bank wants to continue processing a specific transaction that it suspects is money laundering, seeking consent from the NCA before proceeding. If a DAML SAR is filed: the bank has a 7-day moratorium to await consent. If no response in 7 days: deemed consent granted. If the NCA grants consent or the moratorium expires: bank may proceed.
The test is OBJECTIVE: would a reasonable person, knowing the same facts, have reasonable grounds to suspect money laundering? It is NOT required to be CERTAIN it is money laundering. It IS required that there are REASONABLE GROUNDS for the suspicion. Mere unease or vague concern without factual basis does not meet the standard.
After a SAR/STR is filed, the bank MUST NOT disclose to the customer or any connected party that a disclosure has been made.
UK: POCA 2002 s333A — criminal offence to tip off, maximum 5 years imprisonment USA: Bank Secrecy Act — criminal offence, civil penalties Australia: AML/CTF Act 2006 — criminal offence
[ ] Customer identification complete and accurate [ ] Suspicious period clearly defined (from date — to date) [ ] Total amount of suspicious activity stated [ ] Typology identified and explained in plain English [ ] Customer's explanation included (if sought) and assessed [ ] Innocent explanation considered and why eliminated [ ] Prior SARs on this customer referenced [ ] All transaction details (date, amount, type, counterparty) included [ ] Consent SAR requirement considered (UK) [ ] All factual statements supported by available evidence
ALL OUTPUTS REQUIRE REVIEW BY A QUALIFIED PROFESSIONAL BEFORE USE IN REGULATORY FILINGS OR BUSINESS DECISIONS.