Financial Crime · Agent pack

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SAR narrative quality

Cadre pack · Redliner

Drafts and checks a narrative while treating unsupported facts as a failed evaluation.

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

Drafts the FinCEN SAR narrative from an investigation packet, then checks each revision against a completeness rubric; any fact absent from the packet fails the evaluation.

Case arrives with: Packet ID · Packet · Customer name · Packet · Period · Packet · Subjects
Allowed outcomes: Structured outcome for review
Where it fits: Alert to SAR

Operating logic

01Drafts the narrative section of a SAR from an investigation packet, then checks revisions against a configured completeness rubric within a defined review limit.
02Grounding is a non-negotiable evaluation rule: any amount or name the packet does not establish fails the case rather than being introduced into a regulatory draft.
03Gaps the packet cannot close are recorded as unresolved items and written around honestly, not papered over.
04States observations, not conclusions of law — the pattern of deposits under a reporting threshold, not an accusation of laundering.
05Stops at the rubric bar or the configured review limit, whichever comes first; the narrative is not padded to chase a score.

Decision logic

01Drafts the narrative section of a SAR from an investigation packet, then checks revisions against a configured completeness rubric within a defined review limit.
02Grounding is a non-negotiable evaluation rule: any amount or name the packet does not establish fails the case rather than being introduced into a regulatory draft.
03Gaps the packet cannot close are recorded as unresolved items and written around honestly, not papered over.
04States observations, not conclusions of law — the pattern of deposits under a reporting threshold, not an accusation of laundering.
05Stops at the rubric bar or the configured review limit, whichever comes first; the narrative is not padded to chase a score.

Must not: Invent missing evidence or act outside the permitted outcomes.
Human owner: Unresolved source gaps and filing approval
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

Packet ID: PKT-RICH-001
Packet · Customer name: Halcyon Imports LLC
Packet · Period: 03 Jan 2026 - 21 Jan 2026
Packet · Subjects: 3 items
Packet · Red flags: Twelve cash deposits each between 8,200 and 9,600 USD, all below the 10,000 USD CTR reporting threshold, Deposits clustered across three branches over nineteen days, Deposit volume inconsistent with the stated import-wholesale profile and prior account history, Funds aggregated then wired out within 48 hours of deposit to a single overseas beneficiary
Packet · Transactions: 5 items
Packet · Typology assessment: Cash structuring (smurfing) to evade the 10,000 USD CTR threshold, followed by rapid layering via outbound international wire. Consistent with placement-then-layering money laundering.
Packet · Recommendation: SAR
Packet · Recommendation rationale: Pattern of sub-threshold cash deposits aggregated and wired offshore is a textbook structuring-and-layering typology with no legitimate business explanation in the file.

View the case data

Case key rich-structuring-complete

{
  "packetId": "PKT-RICH-001",
  "packet": {
    "customerName": "Halcyon Imports LLC",
    "period": "03 Jan 2026 - 21 Jan 2026",
    "subjects": [
      {
        "name": "Halcyon Imports LLC",
        "role": "account holder",
        "sanctionsResult": "clear",
        "adverseMedia": "none"
      },
      {
        "name": "Daniel Okoro",
        "role": "beneficial owner",
        "sanctionsResult": "clear"
      },
      {
        "name": "Riverside Cash & Carry",
        "role": "counterparty (originator)"
      }
    ],
    "redFlags": [
      "Twelve cash deposits each between 8,200 and 9,600 USD, all below the 10,000 USD CTR reporting threshold",
      "Deposits clustered across three branches over nineteen days",
      "Deposit volume inconsistent with the stated import-wholesale profile and prior account history",
      "Funds aggregated then wired out within 48 hours of deposit to a single overseas beneficiary"
    ],
    "transactions": [
      {
        "id": "TX-9001",
        "date": "03 Jan 2026",
        "amount": 9400,
        "currency": "USD",
        "direction": "inbound",
        "method": "cash deposit",
        "counterparty": "Branch 014"
      },
      {
        "id": "TX-9002",
        "date": "06 Jan 2026",
        "amount": 8800,
        "currency": "USD",
        "direction": "inbound",
        "method": "cash deposit",
        "counterparty": "Branch 022"
      },
      {
        "id": "TX-9003",
        "date": "09 Jan 2026",
        "amount": 9600,
        "currency": "USD",
        "direction": "inbound",
        "method": "cash deposit",
        "counterparty": "Branch 014"
      },
      {
        "id": "TX-9004",
        "date": "14 Jan 2026",
        "amount": 8200,
        "currency": "USD",
        "direction": "inbound",
        "method": "cash deposit",
        "counterparty": "Branch 031"
      },
      {
        "id": "TX-9010",
        "date": "21 Jan 2026",
        "amount": 71200,
        "currency": "USD",
        "direction": "outbound",
        "method": "international wire",
        "counterparty": "Aurora Trading FZE",
        "counterpartyCountry": "United Arab Emirates",
        "flag": "aggregated structured cash wired out within 48 hours"
      }
    ],
    "typologyAssessment": "Cash structuring (smurfing) to evade the 10,000 USD CTR threshold, followed by rapid layering via outbound international wire. Consistent with placement-then-layering money laundering.",
    "recommendation": "SAR",
    "recommendationRationale": "Pattern of sub-threshold cash deposits aggregated and wired offshore is a textbook structuring-and-layering typology with no legitimate business explanation in the file."
  }
}

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.

Full packet
structuring plus layering. The draft should cover the who, what, when, where, why, and how from the supplied record, then be checked against the configured completeness rubric.
Case key
rich-structuring-complete
Medium packet
a BEC redirection. The narrative should cover the five Ws and the how from the facts actually present, no further.
Case key
medium-bec-most-facts

Boundary and misuse cases

Plausible inputs that could produce a costly or overconfident decision.

Sparse packet
dates, counterparties, and a clear typology are missing. The pack must not invent them — any amount or name absent from the packet fails the case, and the gaps remain unresolved.
Case key
adv-sparse-no-fabrication

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.

01Draft from evidence
02Check named requirements
03Return specific gaps
04Revise
05Complete or refer

Wider workflows

Alert to SAR·Narrative quality

Decision sequence and workflow placement

01Draft from evidence
02Check named requirements
03Return specific gaps
04Revise
05Complete or refer

Wider workflows

Alert to SAR·Narrative quality

Pattern guide

Institution-specific validation

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

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

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

Packet ID
Packet · Customer name
Packet · Period
Packet · Subjects
Packet · Red flags
Packet · Transactions
Packet · Typology assessment
Packet · Recommendation
Packet · Recommendation rationale

It does

Draft narrativedraft_narrative
Critiquecritique
Commit narrativecommitcommit_narrative

Related packs

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Also in Alert to SAR · Scribe

Financial-crime case orchestration

Also in Alert to SAR · Conductor

Sanctions disposition

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Financial-crime investigation

Also in Alert to SAR · Bloodhound