Representative capture · 2 Jul 2026

Financial-crime case orchestration

Cadre pack · Conductor

Routes a case through triage, investigation, and filing specialists only as evidence warrants.

One frozen, sanitized execution on representative data. It shows an observed path and retained decision—not repeatability, production fitness, legal instruction, or regulatory compliance.

Recorded decision

Decision record

Disposition

Escalated

CASE-A1 — Final Summary

Field	Value
Case ID	CASE-A1
Customer	Greenfield Auto Parts (C6)
Alert	A1 — Structuring / sub-threshold cash
Path taken	`triage → investigation → filing`
Final disposition	ESCALATED
SAR filed	fail No

What happened at each stage

🔵 Triage (Sift) — ESCALATE | Risk score 0.89 Four sub-threshold cash deposits across two branches in five days fired five reason codes. The pattern was irreconcilable with a B2B wholesaler's expected ACH/card profile. Triage could not close this case.

🔵 Investigation (Bloodhound) — SAR recommended Full typology assessment confirmed deliberate structuring under 31 U.S.C. § 5324: sub-threshold sizing ($8,900–$9,700 band), multi-branch dispersion, $37,300 aggregate that splits a single CTR obligation across four transactions, and a KYC profile with zero documented cash-sales rationale. Sanctions clear; no adverse media; no prior alerts — noted but not exculpatory.

🔴 Filing (Scribe) — BLOCKED — cadre_sar_gate_v1 Governance gate intervened: autonomous SAR filing requires BSA officer approval. The filing did not execute.

Action required

A BSA officer must review the full investigation packet for CASE-A1 and authorise SAR submission to FinCEN. The case and packet have been committed to the control plane. No human outreach to Greenfield Auto Parts should occur before the BSA officer reviews (tipping-off risk).

Decision record retained · contract-validated

caseId: "CASE-A1",

"triage",

"investigation",

"filing"

stage: "triage",

agentId: "fincrime.tm.triage",

outcomeSummary: "Disposition: ESCALATE. Risk score 0.89. Five reason codes fired: structuring, sub-threshold-cash, cross-branch, profile-deviation, cash-not-expected-for-business-type. Four cash deposits ($8,900–$9,700) over five days across two branches are entirely inconsistent with Greenfield Auto Parts' KYC profile of card settlement and supplier ACH."

stage: "investigation",

agentId: "fincrime.sar.investigator",

outcomeSummary: "Recommendation: SAR. Bloodhound confirmed classic structuring typology under 31 U.S.C. § 5324: deliberate sub-threshold sizing ($8,900–$9,700 band), multi-branch dispersion across at least two branches and an ATM, aggregate of $37,300 that would have triggered a CTR if deposited whole, and material KYC profile mismatch with no documented cash-sales rationale. Sanctions screening clear; no adverse media; no prior alerts — mitigating but not exculpatory."

stage: "filing",

agentId: "fincrime.sar.scribe",

outcomeSummary: "Filing BLOCKED by governance gate cadre_sar_gate_v1: autonomous SAR filing requires BSA officer approval. SAR was not filed. Case routed to escalated disposition for human sign-off."

}

finalDisposition: "escalated",

sarFiled: false,

rationale: "Triage returned ESCALATE (risk 0.89) on five structuring-consistent reason codes, warranting full investigation. Investigation by Bloodhound produced a clear SAR recommendation grounded in three mutually reinforcing pillars: (1) deliberate sub-threshold cash deposit sizing ($8,900–$9,700) across four transactions in five days, (2) multi-branch and ATM dispersion consistent with wilful CTR evasion under 31 U.S.C. § 5324, and (3) material mismatch with the customer's KYC profile as a B2B wholesaler with no documented cash-sales component. The full investigation packet was passed to the Filing Agent (Scribe), but the filing attempt was blocked at the control plane by governance gate cadre_sar_gate_v1, which requires BSA officer approval before any SAR is autonomously filed. The SAR has not been filed. The case is escalated to senior oversight / the BSA officer for human review and sign-off on the SAR before submission to FinCEN."

}

Inspect the observed pathOpen the sanitized reasoning, actions, and ordered event record behind this decision.

This is the retained public trace from one frozen representative execution. It is not a live run, a repeatability claim, or a complete production audit record.

Conductor

Briefed on the case

CASE-A1 — Orchestration Start

Plan: Read the alert first to identify the customer, then pull the customer profile and prior alert history in parallel. Size the case, then triage.

Alert read. Customer C6, structuring scenario — 4 cash deposits just under the CTR threshold across two branches in 5 days. This is a classic structuring pattern. Now pulling the customer profile and prior alert history in parallel.

Sizing complete. Key observations before triage:

Greenfield Auto Parts — auto-parts wholesaler. Expected activity: card settlements & supplier ACH. Cash deposits are not in the expected activity profile.
Medium risk rating, account opened Feb 2023.
No prior alerts — clean history.
Pattern: 4 sub-threshold cash deposits ($8,900–$9,700), two branches, five days. Classic structuring signature.

Hypothesis: High likelihood of escalation given the mismatch between expected activity (ACH/card) and repeated sub-threshold cash — but triage decides. Routing to Sift now.

Stage 1 — TRIAGE

Triage → ESCALATE | Risk score: 0.89

Reason codes confirm all five structuring red flags: sub-threshold cash, cross-branch, profile deviation, and cash-not-expected for this business type. Triage narrative finds no benign reconciliation. Proceeding to investigation — do not stop here.

Stage 2 — INVESTIGATION

Investigation → SAR RECOMMENDED

Bloodhound's findings are unambiguous:

All 4 deposits deliberately sized $8,900–$9,700 — statistically improbable coincidence; hallmark structuring band.
Multi-branch dispersion (≥2 branches + ATM) consistent with wilful CTR evasion under 31 U.S.C. § 5324.
$37,300 aggregate — one transaction would have triggered a CTR; splitting evades it.
Zero KYC documentation of any cash-sales component for this B2B wholesaler.
Sanctions: clear. Adverse media: none. These do not resolve the articulable suspicion.

SAR is recommended. Proceeding to filing — routing full packet to Scribe.

Stage 3 — FILING

The Governor blocked this actionAutonomous SAR filing requires BSA officer approval. Escalate the case for human sign-off. [cadre_sar_gate_v1]

Filing → BLOCKED by governance gate cadre_sar_gate_v1.

The control plane has intervened: autonomous SAR filing requires BSA officer approval. This is beyond what the specialist sub-agents can resolve autonomously. Per mandate, I must not fabricate a disposition — I will commit as escalated and route to senior oversight for human sign-off.