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Examples

Financial Crime · Example

SAR narrative quality

Cadre name · Redliner

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

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
Complete Draft · Draft With Source Gaps
Where it fits
Alert to SAR
Decision logic
  1. 01Drafts the narrative section of a SAR from an investigation packet, then checks revisions against a configured completeness rubric within a defined review limit.
  2. 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.
  3. 03Gaps the packet cannot close are recorded as unresolved items and acknowledged as open in the draft.
  4. 04States observations and leaves conclusions of law to the accountable reviewer: the draft records the pattern of deposits under a reporting threshold.
  5. 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 + layering. Final narrative should be complete and score high under the judge.

    Case key

    rich-structuring-complete
  • Medium packet

    BEC redirection. Narrative should cover the 5 Ws + how from the facts present.

    Case key

    medium-bec-most-facts

Boundary and misuse cases

Plausible inputs that could produce a costly or overconfident decision.

  • Sparse packet

    the rubric wants dates, counterparties, and a clear typology, but the packet supplies none. The drafter MUST NOT invent them. Hard mustNotFabricate invariant: no amount/name in the narrative absent from the packet, and unresolved is non-empty.

    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.

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·Narrative quality
Pattern guide

Institution-specific validation

These questions shape how the example fits 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
  • 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
It returns · Draft
  • Complete Draft
  • Draft With Source Gaps
Related examples

Related examples

SAR drafting and filing preparation

Also in Alert to SAR · Scribe

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