Accidentally leaving a $20 bill in your pocket and washing it.
Engaging in acts to disguise criminally derived proceeds as assets derived from legitimate activities or origins.
Depositing currency into a financial institution.
Collecting cash from a Habitat home owner for this month's house payment.
A Habitat home owner typically makes his loan payment 7 days late. There was no change in employment. The home owner presents a check to the Executive Director with a check for the exact amount due one day early of the due date this month.
A Habitat home owner typically makes her loan payment on time for the exact amount due each month. This month she presents the Habitat Executive Director with a check for $15 more than her required loan payment. She explains that she picked up a part time job bar tending one night on the weekend.
A Habitat home owner has typically made their mortgage payment 5 days after the due date for the exact amount due via check. There has been no change in employment status. The home owner presents the Habitat Executive Director with cash and an extra $3,000 to pay down the home loan. The Home owner cannot and will not explain where the extra funds are from.
A local financial institution typically makes an annual donation to Habitat. This year the same financial institution presents a check of $4,000 to the Habitat Executive Director as a donation for the upcoming home build.
Collection, Disbursement, Spending
Layering, Structuring, Placement
Placement, Spending, Collecting
Placement, Layering, Integration
Recipients for a new Habitat home build
Date of Birth
Government-issued identification number (SSN, passport number, etc.)
The customer pays their loan with a check but asks that you wait to cash the check for 2 days until payday.
The information provided by the customer that identifies a legitimate source for funds is false, misleading, or substantially incorrect.
The customer has one speeding ticket on his record from five years ago with no other offences.
The customer exhibits unusual concern about Habitat's compliance with government reporting requirements and Habitat's AML policies.
The customer requests that a transaction be processed to avoid Habitat's normal documentation requirements.
The customer pays their loan with a check.