ALERT ID: TM-2024-084417 RULE: Structuring — Multiple Cash Deposits Below Reporting Threshold GENERATED: 2024-11-14 PRIORITY: Medium ACCOUNT DETAILS Account #: 7740-0029-14 Customer: Riverton Home Services LLC Account type: Business Checking Opened: 2021-03-08 Branch: Millfield (MF-04) Expected activity (CIP): "Small residential remodeling contractor. Cash receipts from homeowner clients. Avg monthly deposit $8,000–$12,000." Owner: Dale Pruitt, DOB 1978-04-22, SSN on file, no adverse media FLAGGED TRANSACTIONS (Oct 28 – Nov 13, 2024) 10/28 Cash dep $9,200 Millfield branch teller 10/30 Cash dep $8,750 Millfield ATM 11/04 Cash dep $9,400 Millfield branch teller 11/06 Cash dep $8,900 Millfield ATM 11/11 Cash dep $9,100 Millfield branch teller 11/13 Cash dep $8,600 Millfield ATM TOTAL: $54,000 in 17 calendar days / 6 transactions ACCOUNT HISTORY (last 12 months) Avg monthly cash deposits prior to Oct: ~$9,500 (consistent w/ CIP) No prior structuring alerts. Two prior TM alerts in 2023: - TM-2023-041102: Unusual wire activity — reviewed, closed NFA - TM-2023-067834: Large cash deposit ($18,400) — reviewed, closed NFA (both closed by L1 analyst, no SAR filed) Outflows: payroll ACH ~$7,200/mo, vendor ACH ~$3,100/mo, owner distributions Account balance currently $46,300 (elevated vs. avg $11,000) NOTES FROM ALERT QUEUE - no negative news on customer or owner - business Yelp reviews look legit (home remodel/painting) - Oct–Nov is busy season for contractors in region? - transactions just under $10k — multiple, consistent interval - current balance is 4x normal — funds not moving out yet