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Cadre
Agent packs

Financial Crime · Agent pack

SAR drafting and filing preparation

Cadre pack · Scribe

Prepares and checks a draft filing package, or records the supplied no-SAR outcome, for accountable review.

Demonstrated on representative cases. Source coverage, thresholds, policy interpretation, escalation design, and performance require institution-specific validation.

Operating dossier

The job, permitted decisions, and owner

Mandate

Assembles and checks a draft SAR package from the investigation record, then routes it to accountable bank personnel for approval and submission.

Case arrives with
Case ID · Customer · Name · Alert ref · Customer · ID
Allowed outcomes
SAR · no-SAR
Where it fits
Alert to SAR
Decision logic
  1. 01Assembles and checks a draft SAR package from a completed investigation packet; accountable bank personnel retain approval and submission responsibility.
  2. 02Every fact in the narrative must trace to the packet; a thin packet yields a short, honest draft, never one padded with invented specifics.
  3. 03Prepares a SAR only when the packet recommends one — a no-SAR or continue-monitoring recommendation is recorded as such, not converted into a report.
  4. 04Surfaces the filing date carried in the supplied case policy, including the illustrated no-suspect extension, while keeping any sanctions nexus visible for review.
Must not
Invent missing evidence or act outside the permitted outcomes.
Human owner
Approval to submit a regulatory filing
Evidence retained
Structured outcome, observed path, and the source evidence used.

Case and record

One case, from supplied evidence to recorded decision

Supplied case

Representative case dataSynthetic or simulated data
Case ID
CASE-A3
Customer · Name
Horizon Import Export Inc
Alert ref
A3
Customer · ID
C7
Customer · Type
business
Customer · Risk rating
high
Customer · Country
United States
Customer · Profile
General trading company; vague stated purpose; thin file; opaque beneficial ownership.
Subjects
5 items
Timeline
4 items
View the case data

Case key funnel-sar

{
  "caseId": "CASE-A3",
  "alertRef": "A3",
  "customer": {
    "id": "C7",
    "name": "Horizon Import Export Inc",
    "type": "business",
    "riskRating": "high",
    "country": "United States",
    "profile": "General trading company; vague stated purpose; thin file; opaque beneficial ownership."
  },
  "subjects": [
    {
      "name": "Horizon Import Export Inc",
      "role": "account holder",
      "sanctionsScreened": true,
      "sanctionsResult": "clear"
    },
    {
      "name": "K. Adeyemi",
      "role": "sender",
      "sanctionsScreened": true,
      "sanctionsResult": "clear"
    },
    {
      "name": "L. Petrov",
      "role": "sender",
      "sanctionsScreened": true,
      "sanctionsResult": "clear"
    },
    {
      "name": "S. Rahman",
      "role": "sender",
      "sanctionsScreened": true,
      "sanctionsResult": "clear"
    },
    {
      "name": "Gulf Falcon General Trading FZE",
      "role": "beneficiary",
      "sanctionsScreened": true,
      "sanctionsResult": "clear",
      "adverseMedia": "High severity: named in regional press in connection with trade-based money laundering and mis-invoicing."
    }
  ],
  "timeline": [
    {
      "date": "2026-05-18",
      "event": "Inbound wire $62,000 from K. Adeyemi (memo: invoice 0421)"
    },
    {
      "date": "2026-05-18",
      "event": "Inbound wire $58,000 from L. Petrov (memo: consulting)"
    },
    {
      "date": "2026-05-19",
      "event": "Inbound wire $60,000 from S. Rahman (memo: goods)"
    },
    {
      "date": "2026-05-20",
      "event": "Outbound wire $175,000 to Gulf Falcon General Trading FZE, UAE (memo: supplier settlement)"
    }
  ],
  "transactions": [
    {
      "id": "T7001",
      "date": "2026-05-18",
      "amount": 62000,
      "currency": "USD",
      "direction": "credit",
      "method": "wire",
      "counterparty": "K. Adeyemi",
      "counterpartyCountry": "United States"
    },
    {
      "id": "T7002",
      "date": "2026-05-18",
      "amount": 58000,
      "currency": "USD",
      "direction": "credit",
      "method": "wire",
      "counterparty": "L. Petrov",
      "counterpartyCountry": "United States"
    },
    {
      "id": "T7003",
      "date": "2026-05-19",
      "amount": 60000,
      "currency": "USD",
      "direction": "credit",
      "method": "wire",
      "counterparty": "S. Rahman",
      "counterpartyCountry": "United States"
    },
    {
      "id": "T7004",
      "date": "2026-05-20",
      "amount": 175000,
      "currency": "USD",
      "direction": "debit",
      "method": "wire",
      "counterparty": "Gulf Falcon General Trading FZE",
      "counterpartyCountry": "United Arab Emirates"
    }
  ],
  "redFlags": [
    "Three inbound wires from unrelated senders aggregated within 48 hours ($180,000)",
    "Near-total pass-through: $175,000 (97%) wired out the next day, leaving negligible balance",
    "Outbound beneficiary (Gulf Falcon, UAE) carries high-severity adverse media for trade-based laundering",
    "Activity inconsistent with a thin-file trading company of vague stated purpose"
  ],
  "typologyAssessment": "Funnel / pass-through account with trade-based money-laundering characteristics: unrelated inbound funds consolidated and rapidly moved cross-border to a higher-risk jurisdiction and a counterparty with TBML adverse media.",
  "recommendation": "SAR",
  "recommendationRationale": "Articulable suspicion from rapid pass-through, unrelated senders, and a TBML-linked UAE beneficiary, with no legitimate business rationale evident."
}

Evaluation and limits

Evaluation coverage and stopping points

Published evaluation map

Expected decisions, boundaries, and costly failure modes.

These cases show what the pack is asked to decide, when it should stop, and which plausible errors the evaluation is meant to expose. They are not a reliability score or independent validation.

Expected and borderline behavior

Routine judgments, close calls, and named stopping points.

  • Funnel Sar

    Case key

    funnel-sar
  • Structuring Sar

    Case key

    structuring-sar
  • No Sar

    Case key

    no-sar

Boundary and misuse cases

Plausible inputs that could produce a costly or overconfident decision.

  • Continue Monitoring

    Case key

    adv-continue-monitoring
  • Thin Facts

    Case key

    adv-thin-facts

Operating fit

Workflow placement and validation

Operating pattern

Draft, check, revise

Separate drafting from checking and stop when the work meets clear requirements—or when the agreed review limit is reached.

Decision sequence and workflow placement
  1. 01Draft from evidence
  2. 02Check named requirements
  3. 03Return specific gaps
  4. 04Revise
  5. 05Complete or refer

Wider workflows

Alert to SAR·SAR package preparation
Pattern guide

Institution-specific validation

These questions remain open until the pack is fitted to an institution.

Validation questions
  • Policy and legal interpretation
  • Source coverage, quality, and freshness
  • Thresholds and exception calibration
  • Integration and degraded-mode behavior
  • Human approval and escalation design
  • Performance on the institution’s own case mix
Inputs, actions, and outcomes
Give it
  • Case ID
  • Customer · Name
  • Alert ref
  • Customer · ID
  • Customer · Type
  • Customer · Risk rating
  • Customer · Country
  • Customer · Profile
  • Subjects
  • Timeline
It does
  • Get sar requirementsget_sar_requirements
  • Validate sarvalidate_sar
  • File sarcommitfile_sar
It returns · Filing
  • SAR
  • no-SAR
Related packs

Related packs

SAR narrative quality

Also in Alert to SAR · Redliner

Financial-crime case orchestration

Also in Alert to SAR · Conductor

Sanctions disposition

Also in Alert to SAR · Cerberus

Financial-crime investigation

Also in Alert to SAR · Bloodhound