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我仍在努力理解AML，特别是针对潜在拆分交易的交易监控。我理解拆分存款以避免报告门槛的基本概念。但在实践中，尤其是在高交易量账户中，何时多个较小、看似不相关的存款开始看起来像一个你实际会标记以供进一步审查的模式？是否存在一个常见的时间范围内的交易数量或累计金额，还是更多地取决于资金来源和账户持有人的典型活动？除了达到CTR标记之外，你内部的阈值或让你深入调查这种特定模式的危险信号是什么？
You're looking for a hard number that doesn't really exist in practice. It's less about a specific count of transactions and more about the context and the deviation from a client's established behavior profile. If an account suddenly starts receiving frequent, slightly below-threshold deposits from various new sources, that's more suspicious than an existing business account doing the same thing as part of its normal operations.
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